Account opening balance
₹
This is the anchor every balance in the ledger is calculated from. Change it any time — every period below recalculates automatically.
Privacy everything below stays in this browser
No data leaves this device — there's no server, no account, no sync. Statement passwords are used once to unlock a file in memory and are never saved. Nothing is sent anywhere when you import a statement.
PIN lock a casual screen lock, not real security — anyone with browser dev tools can still see the data
Manual backup a file you keep, independent of cloud sync
Download everything as a single file you can store anywhere — a USB drive, email to yourself, another cloud folder. Restoring replaces what's currently in this browser.
Cloud folder sync auto-save to a file in OneDrive / Google Drive
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Pick or create a file inside your OneDrive or Google Drive synced folder. Every change here writes straight to that file, and the cloud app syncs it for you. On another device, connect to that same file and use "Load from file" to pull in the latest data.
Daily
Weekly
Monthly
Annual
Categories tag transactions, or leave them blank
Import bank statement PDF, best-effort parsing — review before adding
Every bank lays out statements differently. Parsed rows appear below for you to check, edit, or discard — nothing is added to the ledger automatically.
Add transaction manually
Categorized spend this period
Balance over time
Income vs expense, per month
Income
Expense
Top categories
Spending by day of week
Savings rate, per month (income − expense) ÷ income
Biggest transactions top 10 debits in the selected range
Daily spending heatmap always the last 365 days
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Low
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High