Local-first No account No tracking Encrypted backups
Personal & small-business finance

Track every rupee.

Accounts, debts, credits, EMIs, income, expenses — across cash and bank. Built for owners who run business cash and personal cash from the same head.

Get pricing Why local-first ↓
Net worth · April
₹ 4,82,500
▲ ₹ 32,400 · since March
62% of ₹7.7L target
HDFC Savings
₹ 2,40,800
SBI Current
₹ 1,84,200
Cash on hand
₹ 18,500
EMI · May 5
– ₹ 14,200
01 · Features

Designed for messy real life.

$
Multi-account ledger
Cash, savings, current, wallet, credit card. Add as many accounts as you need.
↻
EMI calendar
Every loan EMI on a calendar. Reminders 3 days, 1 day, day-of. Never miss a date.
⬢
Loan tracker
Principal, interest, EMI count, prepayment impact. See what you'll save.
⇆
Debts & credits
Who owes you, who you owe. Settle on cash, partial settle, ledger per person.
▤
Income / expense splits
Tag every entry — categories you customize. Monthly & yearly summary.
⌘
Quick add
Three taps from app open to expense logged. Voice input on Android.
Local-first by default

Your money stays on your phone.

No server. No account. No "we collect anonymous usage data for product improvement." We literally cannot see your transactions because they never leave your device.

  • All data stored in encrypted SQLite on your phone or laptop.
  • Optional backup to your own Google Drive / iCloud — encrypted with your passphrase.
  • No analytics. No crash reporting with personal data. No telemetry.
  • Open-source data format — export to JSON / CSV anytime.
Server storageNone
Account requiredNo
AnalyticsOff
Crash reportsAnonymous only
Local encryptionAES-256
Backup destinationYour cloud
Data exportJSON / CSV
02 · Who it's for

Built for four kinds of owners.

RS
The shop owner
Mixes home + business cash
Daily cash counter goes home in the evening. Need to know what's "the shop's" vs "the family's" — without separate apps.
PK
The freelancer
Irregular income, regular bills
Big projects, gaps between payments. Wants a runway view — how many months of expenses are covered today?
AM
The EMI juggler
Bike, home, gold, personal loan
Five EMIs across four banks. Wants one calendar, one principal-paid-vs-pending view, and pre-payment what-ifs.
SD
The privacy-aware
Doesn't trust account-aggregators
Will not connect bank statements to a third-party server. Wants the upside of an app without becoming the product.

Money on your phone, not ours.

One-time license. Android & iOS. Free to try for 14 days, full features.

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