See where your money actually goes.
One private ledger for your cards, banks, UPI, cash, and investments. It sorts every rupee, keeps your real net worth current, and answers whatever you ask it in plain words. One picture, for the whole household.
You earn well.
Where does it go?
The money rarely leaves in big moves. It leaks in small, constant ones: a ₹2,500 dinner out, a ₹250 grocery top-up, a handful of subscriptions still auto-charging long after you stopped using them. Your bank shows one slice, your cards another, your broker a third.
Nothing pulls them together into the one figure that matters, so two lakhs a month quietly turns into a question mark.
- 04 JunSwiggy₹2,540
- 09 JunBlinkit₹248
- 13 JunZomato₹612
- 18 JunSwiggy Instamart₹431
- + 96 more small orders this month
Every account, in one ledger.
CRED shows your cards. Zerodha shows your stocks. Wealth Manager works on top of all of it: statements, UPI, cash, funds, deposits, the lot. It reconciles what slipped, splits who paid what between the two of you, and keeps one honest net-worth number current.
- Net worth, live
- Who-paid split
- Budgets & goals
- Reconcile what slipped
- Spend by category
- Funds, stocks & FDs
- Food & Dining₹42,180
- Shopping₹38,640
- Transport & Fuel₹21,300
- Bills & Utilities₹17,920
Ask a question.
Get a straight answer.
Type it the way you'd say it: “how much on dining last month?”, “which FDs mature this year?”, “what's my net worth?” It reads your own ledger and answers in plain words, with the exact figures.
Read-only. Every figure is computed from your ledger by a deterministic engine. The answer is only phrased in words; nothing is labelled, changed, or moved.
Messy statement in.
Clear number out.
Six steps, fully automatic. You only step in to confirm.
Everything, deduplicated
CaptureStatements, screenshots, and quick-adds merge into one canonical record, never double-counted.
Automatic, and it learns
CategorizeA rules engine labels on import and gets sharper from every correction you make.
See what slipped
ReconcileMatch logged spend against statements, both ways, and surface what you forgot.
Where the money goes
UnderstandBalances, budgets, goals, forecasts, and a who-paid split across the household.
Net worth, not just spend
InvestFunds, stocks, and FD/RD/SCSS deposits, priced live, with returns and XIRR at a glance.
Share with the people who matter
FamilyInvite members; with consent, one consolidated family net-worth view. Opt-in only.
Your money's data, locked to you.
A private ledger for one household, built that way at the foundation, not promised in a policy. Your records are walled off to you, encrypted on the wire, and never sold, mined, or used for ads. Only you, and the people you invite, can ever see your numbers.
Walled off to your household
Every record is fenced to your household at the database itself, not just in the app. One household can never see another's, on any screen or request.
Encrypted on the wire
All traffic runs over an encrypted connection, and your data lives in managed, access-controlled infrastructure. Nothing about your money travels in the open.
Statement files stay private
Uploaded PDFs and CSVs go to a private store, never a public link, and are reachable only through short-lived links that expire.
Passwords never in plain text
A protected-statement password you give is encrypted, used only in memory to open that one file, and never logged. We never store it as readable text.
Sign in without a password
Use a magic link or Google, so there's no account password to leak. Add a device-only passcode or Face ID lock on top for a second layer.
Never sold, never ads
Your data is never sold, never used for advertising, and never used to train AI models. No third-party tracking. It exists to serve you, full stop.
No system is perfectly secure, but the defaults are private by design. The full detail is in our Privacy Policy.
Start with a single statement.
Upload it, forward it by email, or add an expense by hand. The picture builds itself from there, and stays current with almost no upkeep.
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