Know where your money goes — without linking your bank.
Import a month of spending from a bank statement, Gmail, or a photo of a receipt. TheMoneyMitra sorts it into categories and shows you your real month.
Why tracking spending in India is broken
Most tools ask for too much or do too little.
Bank apps show balances, not categories
Your banking app tells you what is left in your account, but it won't show you that 40% of last month went to food delivery and unneeded subscriptions.
Other "trackers" turned into loan apps
Apps that started as clean expense tools quickly monetized your financial data to sell instant personal loans, credit cards, and credit score monitoring.
Manual apps fail the 10-second test
Typing in every coffee and auto-rickshaw fare by hand gets abandoned within two weeks. Intake has to be flexible, fast, and semi-automated.
Three ways in. One clear picture out.
Take control in seconds. No complex setup or bank linking required.
Add it your way
Import a bank statement CSV, connect read-only Gmail transaction alerts, scan paper receipts on-device, or tap in an expense in 10 seconds.
It sorts itself
Cryptic UPI strings like UPI-SWIGGY-BLR get translated cleanly to "Swiggy" and "Food & Dining". Correct one and it remembers.
Your month makes sense
A calm, glanceable summary shows total outflows, income, net cash flow, and plain-language insights without anxiety or lectures.
Built for everyday calm, not screen time.
10-second manual entry
Record cash or spot expenses in three taps. Category + amount + merchant. Fully operational without internet connectivity.
Bank statement & CSV import
Upload the CSV statement your bank exports — HDFC, ICICI, SBI, Axis, Kotak, Zerodha and other standard formats. Parsed into an unconfirmed review queue before it touches your history.
Read-only Gmail import
Extracts transaction alerts from verified bank senders only. Sync is triggered by you, never reads personal mail, and is revocable anytime.
On-device receipt scanning
Snap paper bills and grocery slips. On-device OCR reads the merchant, date, and total. The image never uploads to any server.
Smart categorization
Merchant keyword matching resolves UPI transaction codes to plain names. Change a category once, and your preference sticks.
Local-first + optional sync
Your data is stored directly on your phone. Works 100% offline. Multi-device sync is optional, for when you are connected.
Your data lives on your phone first.
We never ask for your net-banking password, OTP, or card PIN. No ads, no selling your data to credit bureaus, and no hidden kickbacks.
Why "Mitra"? A quiet friend on your side.
Financial software should reduce stress, not create alerts to capture your attention.
- close Push notifications urging you to take out pre-approved personal loans.
- close Monetizes and categorizes your spending history to target sponsored credit cards.
- close Gamified scratch cards, cashback gimmicks, and noisy banner ads.
- close Guilt-inducing warnings when you enjoy dining out with family.
- check Zero third-party product sales — we never sell loans or insurance.
- check Read-only imports you control — triggered by you on your terms.
- check Uncluttered by design — clean paper aesthetics, dense typography, zero ads.
- check Clarity without lectures — shows you where you stand with quiet composure.
Built from scratch for Indian spending patterns.
Western apps assume credit cards and direct bank-link APIs. In India, spending runs through UPI, cards, and bank transfers — and the record of it is scattered across banking apps, alert emails, and CSV statement exports.
Plus any standard CSV export with date, description, and debit/credit columns.
Curious about what is shipping next?
See the 5-phase product roadmap arrow_forwardBe one of the first to track with calm.
No bank login. No ads. Your financial data stays on your device. Drop your email to get an invite the day we launch on iOS and Android.