TrackMyRupee
The Financial Operating System for India.
TrackMyRupee unifies your entire wealth.
Track your net worth, double-entry ledger, investments, loans, and monthly cashflow in one privacy-first powerhouse. No bank passwords required. No SMS reading.
It's free, takes 2 minutes
Used by 313 professionals
Bangalore
Mumbai
Pune
Hyderabad
Delhi
and 10 more cities
NET WORTH
₹0
LIVE
2BHK Flat, Baner
Physical Assets
+₹65,00,000
Zerodha Demat
Investments
+₹7,01,422
HDFC Bank (Main)
Cash & Bank
+₹3,06,457
SBI Fixed Deposit (5Y)
Fixed-Income
+₹2,00,000
HDFC Regalia Credit Card
Credit Card
-₹41,568
Home Renovation Loan
Loans
-₹0
YOUR FINANCIAL PICTURE
Everything your salary story needs.
Know your real net worth.
Track your PF, PPF, NPS, mutual funds, FDs, RDs, and credit cards - everything that makes up your real Indian net worth without logging into 6 different apps.
Savings & Current
HDFC, ICICI, SBI accounts
Mutual Funds & Stocks
Zerodha, Groww, SIPs
FDs, EPF & PPF
Provident Fund, NPS, FDs
Credit Cards & Loans
Autotracked liabilities
ZERO-FRICTION INPUT
Just type. We'll handle the rest.
Forget navigating through complex menus. Spend less than 3 seconds typing naturally, and TrackMyRupee automatically extracts the amount, routes it to your double-entry ledger, and updates your net worth.
tea at tapri 20
500 swiggy dinner
₹450 uber to office
Parsed instantly in your browser
₹500
Food
Description
For lunch with friends
No SMS reading
|
No bank login required
|
Your data, always yours
The Problem
Salary credited.
Three weeks later... where did it go?
Sound familiar?
"I do SIPs and still feel broke every month."
Your savings account, investments, and credit card balance in a single net worth number — so you can finally see it growing.
"I tried Walnut and Money Manager. Both felt invasive."
TrackMyRupee never touches your SMS or bank. You log what you want to track. Nothing more.
"I want to save more but don't know where to cut."
Insights point out which categories are quietly rising month over month, and by exactly how much.
THE POWERHOUSE SYSTEM
One platform. Everything your personal finance operating system needs.
🏦
Loan & EMI Amortization — floating rates + early payoff planner
📊
Double-Entry Accounting Engine — zero-leakage precision
🎯
Capital Events & Milestones (isolate large purchases without skewing monthly budgets)
🏠
Multi-Asset Portfolio Tracker (track EPF, PPF, NPS, mutual funds, FDs, gold & real estate)
📈
12-Month Net Worth Analytics — real-time trajectory and savings targets
🔒
Your data, your control: self-hostable, instant CSV export, DPDP Act-aligned data handling
Insights
It notices. You decide.
Most apps show you a list and leave the reading to you. TrackMyRupee reads your own entries and says what is worth a look, in one calm sentence, with the numbers behind it.
Before it becomes a problemA budget running out early, a deposit about to mature, a card billing date, a bill that changed price, a salary that is late.
Every number opens the entries behind itTap a figure and see the exact transactions. Nothing is a black box.
Calm, never alarmingIt leads with what is going well, never compares you with other people, and never predicts the markets.
Follows your real monthBuilt on your salary cycle, your budgets and your currency, so it always agrees with the rest of the app.
You set the volumeChoose the topics and how often it speaks, or keep it to the pages. Included on every plan.
Transport may reach its limit early
At this pace, Transport could reach its ₹5k limit around the 28th; ₹4k is used so far. If that sounds right, you could ease the pace or leave it.
A deposit matures soon
Your FD matures on 3 Nov, with about ₹2.1L coming back to you. You might decide where it goes next, or leave it for now.
Netflix now costs a bit more
Netflix went up from ₹499 to ₹649 on the latest entry. If you expected this, you can dismiss it.
A steady run of saving
You have kept more than you spent for 6 months in a row. Small habits like this add up quietly.
Examples. Yours are written from your own entries.
Built around how you actually spend
Built for how Indian salaried professionals actually live.
Spot spending leaks before they become habits
Insights read your own entries and show exactly which categories are growing month over month, in one calm sentence.
Watch your net worth grow
One real-time number across savings, SIPs, and credit cards. Not a list of transactions - a trajectory.
Set recurring expenses once, forget them forever.
Set up your SIPs, rent, and subscriptions once. Only log what changes, takes 30 seconds a day.
See exactly when you'll hit your goals
Set a savings target and get a projected date based on your real saving pace - not guesswork.
Track in your own language
Fully translated in English, Hindi, and Marathi - finance that feels natural to read.
Multi-currency Ready
Track USD, EUR, or any currency alongside ₹. Useful if you travel, freelance, or hold foreign investments.
Your data is never locked in
Export your full transaction history to CSV anytime. No permission needed, no hoops to jump through.
Feels like an app. No install required.
Add to your home screen as a PWA on Android or iPhone. Works offline. Launches in under 2 seconds.
Loan Manager with EMI Calculator
Plan before you borrow. Preview your monthly EMI instantly. Track multiple loans, manage floating rates, and visualize your amortization schedule.
Available in your language:
🇬🇧 English
🇮🇳 हिंदी
अपनी भाषा में अपने पैसों को समझें
🇮🇳 मराठी
More coming soon
WHY TRACKMYRUPEE
Most finance apps sell
your behaviour. We don't.
TrackMyRupee runs on subscriptions. Your data has no role in our business model, and never will.
No ads, ever
We don't run ads, sell your data, or build advertising profiles.
Less exposure by design
We never connect to your bank or read your SMS, so those credentials can never be exposed through us.
You're the customer
Subscription-funded. Our only job is to make the product better for you.
THE HONEST COMPARISON
✕ Fi Money
Requires their savings account. You're locked into their ecosystem.
✓ TrackMyRupee
Works with any bank, any account, any combination.
✕ INDmoney
Connects directly to your Zerodha or bank, powerful but invasive.
✓ TrackMyRupee
Never touches your accounts. You log what you choose.
✕ Walnut / ET Money
Built on SMS reading and bank statement parsing.
✓ TrackMyRupee
Has never read a single message. Ever.
✕ Spreadsheets
You eventually stop updating them.
✓ TrackMyRupee
3-second logging and auto-recurring keep it current on its own.
LIFE BEFORE AND AFTER
✕ Before
- ✕ Salary disappears by the 20th every month
- ✕ Excel sheets you stop updating after week 2
- ✕ No idea what your actual net worth is
- ✕ Saving "whatever is left", usually nothing
✓ After
- ✓ Know exactly where every rupee went, on any day
- ✓ Recurring transactions log themselves automatically
- ✓ Net worth number that grows visibly month over month
- ✓ Savings rate target that you actually hit
Open source, view on GitHub
HTTPS encrypted, always
DPDP Act-aligned data handling
Export anytime, never locked in
SIMPLE PRICING
Choose the plan that fits your financial goals
Start free, upgrade when you need more power. No hidden fees, cancel anytime.
Monthly
Yearly -17%
Free
₹0
forever
Try it at your own pace
- 90 expenses / month
- 2 accounts · 5 budget categories
- Full net worth tracking (2mo history)
- Insights on every page
- Community support
Plus
₹499
/yr
or ₹49/mo
For the serious saver
- Unlimited expenses
- 10 accounts · 1 loan · 5 recurring
- 15 budget categories · 5 goals
- Year in Review + alert emails
- Email support
Pro
₹999
/yr
or ₹99/mo
Everything, unlimited
- Unlimited accounts, loans, recurring
- Unlimited budget categories & goals
- Full net worth history
- Year in Review + alert emails
- Weekly insights email
- 7-day free trial · Priority support
Insights and net worth tracking are included on every plan. Cancel anytime, no lock-in.
Trusted by users
Used and trusted by salaried professionals across India
"Finally a finance app that doesn't read my SMS. The net worth tracker is a game-changer for SIP planning."
"Found ₹15k in forgotten subscriptions within the first week. Simple, fast, and built for how Indians actually spend."
"Been using it 6 months. My savings rate has genuinely gone up by 15%."
Built with purpose, not VC pressure
I'm Omkar and I built TrackMyRupee after a month where I earned well, invested on time, and still couldn't account for ₹40,000 of my salary. Every app I tried wanted my bank access to solve a problem I had created myself. So I built something that doesn't.
Omkar Pathak
Founder · Pune, India
Ready to begin?
Your salary deserves a better story. Start writing it today.
Free forever. 2 minutes to set up. No bank access needed.