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Transactions

Amount (₹)
Category
Auto-compressed (max 1600px JPEG)
In: ₹0.00
Out: ₹0.00
Net: ₹0.00
November 2026
25 Oct – 24 Nov 2026
Total Budgeted
₹0
Includes ₹0 rollover
Total Spent
₹0
0% of total
Remaining
₹0
All fine
Overall Budget Progress 0%
0 Fine (<80%) 0 Watch (80–100%) 0 Over (>100%)

Sinking Funds

Goals
Target-based savings set aside inside your accounts
Total Target
₹0.00
Total Saved
₹0.00
Remaining
₹0.00
Monthly Need
₹0.00 / mo

Reports & Analytics

Monthly spending, savings rate & trends
—
Income
₹0
Expenses
₹0
Net Savings
₹0
Savings Rate
n/a

Essential vs Discretionary Spending

Essential: ₹0 (0%) Discretionary: ₹0 (0%)

Income vs Expense Trend

Income Expenses

Rolling Averages

Average monthly income, spending and essentials
Avg Monthly Income
₹0
Avg Monthly Spending
₹0
Avg Monthly Essentials
₹0

Spending by Category

Top Payees & Merchants

Cash-Flow Forecast

Estimate
Projected account balances from recurring bills and 3-month daily spending habits
Safety Minimum Balance: ₹0
Current Total
₹0.00
Daily Spending Habit
₹0.00 / day
Projected Total
₹0.00
Estimated Projection: Future balances are estimated by combining your active recurring subscriptions & bills with your actual 3-month unbudgeted daily spending rate. Individual variable transactions may cause actual balances to differ.

Subscriptions & Bills

Recurring expenses, bills calendar & monthly equivalents
Next 30 Days Total: ₹0.00

Bank Statement Import

Import CSV statements directly in your browser with duplicate protection

Categorization Rules

Auto-categorize transactions during import and quick add

Shared Expenses & Splits

Track split expenses with friends and flatmates, see who owes what & settle repayments
You are Owed
₹0.00
You Owe
₹0.00
Net Balance
₹0.00

Share with FM Pro

Export monthly spending averages to FM Pro via private summary packet
Generates a verified fmlink summary packet containing only high-level monthly income, expense, and essential spending averages. Zero payees, account numbers, or individual transactions are ever shared.

Settings & Data Management

Storage Usage
Calculating...
App PIN Lock
PIN lock disabled
Export Backup
Full portable JSON backup
Import Backup
Restore from backup file
Purge Deleted Records & Receipts
Permanently remove soft-deleted transactions and unreferenced receipt photos
Edit Transaction
Auto-compressed (max 1600px JPEG)
Set Category Budget
Budget Period Start Day

Choose the calendar day of each month your salary arrives or budget cycle starts (e.g. 25 for salary paid on the 25th).

e.g. If set to 25th, period 2026-11 runs from 25 Nov to 24 Dec.
New Recurring Item
31st lands on last day of shorter months

Import Bank Statement

1. Choose File & Account
2. Map Columns
3. Preview & Confirm
Choose a CSV file or drag & drop here
Max 5 MB • Up to 20,000 rows • Processed 100% locally in browser
New Categorization Rule
Matching is case-insensitive plain text (no regex).
Replaces messy bank narration with clean merchant name.

Apply Rules to Transactions

Receipt Photo

Receipt Photo
Download

Share with FM Pro

Generate an air-gapped summary packet for FM Pro. All figures are whole-rupee monthly averages.
Monthly Income Avg
₹0
Monthly Expense Avg
₹0
Essential Spending Avg
₹0
EMI & Loans Avg
₹0
fmlink v1 

      


      
      

        
        Privacy guarantee: 100% zero payees, account numbers, or transaction records included.
      


      
      

        
        
        
      

    

  

  
  
    

      

        

          
          Cloud Sync (Zero-Knowledge)
        

        
      


      

        Auto-syncs live expense averages into FM Pro's Monthly Expense liability. Everything is client-side encrypted with AES-GCM-256 before uploading to Firebase Firestore.
      


      

        

          
          
        

        

          
          
        

        

          
          
          
Used locally to derive AES-256 key. Never sent to any server.

        

        
        

          
          
        

      


      
    

  

  
  
    

      
Add Person

      
      
      

        
        
      


      

        
        
      


      

        
        
      


      

        
        
      

    

  

  
  
    

      
Settle Up Repayment

      
      

      

        
      


      

        
        
      


      

        
        
      


      

        
        
      


      

        
        
      


      

        
        
      

    

  

  
  
    

      
Safety Minimum Balance

      

        Set a safety buffer amount. When your 30-day or 60-day projected balance drops below this threshold, an early-warning banner and account alert will highlight the breach.
      


      

        
        
        
Default is ₹0.00 (warns only on negative balance/overdraft).

      


      

        
        
      

    

  

  
  
    

      
Add Sinking Fund

      

      

        
        
      


      

        
        
      


      

        
        
      


      

        
        
        
Money allocated to this fund will be virtually set aside inside this account.

      


      

        

          
          
        

        

          
          
        

      


      

        
        
      


      

        
        
      

    

  

  
  
    

      
Manage Fund Balance