Software · Desktop and consumer
Personal finance apps
Budgeting and money apps that track spending, goals and accounts, with privacy and accuracy at the core.
People only trust a money app that is accurate and careful with their data. We build budgeting and expense apps that categorise transactions clearly, link bank accounts through consent-based channels such as India’s Account Aggregator framework or Open Banking, and keep sensitive data encrypted.
What we build
- Budgets by category with rollover, alerts and a monthly review
- Expense tracking from bank feeds, receipts, emails and manual entries
- Account linking through Account Aggregator, Open Banking or Plaid
- Savings goals, bill reminders and subscription tracking
- Shared budgets for couples, families and housemates
- Spending insights and monthly reports exportable to CSV or PDF
DemoInteractive · sample data
Try it live.
A working sample with made-up data. It runs in your browser; nothing is sent anywhere.
- Spent42,380 ₹
- Budget used78 %
- Saved18,500 ₹
- Subscriptions7
What it does well
Automatic categories
Transactions are sorted by merchant and pattern, and learn from each user correction.
Linked accounts
Bank and card data arrives through consented, regulated channels, never stored passwords.
Budget alerts
Gentle alerts warn before a category runs out, not after the money is gone.
Savings goals
Each goal shows progress, a target date and how much to set aside each month.
Subscription tracking
Recurring charges are detected so users can spot and cancel the ones they forgot.
Privacy first
Data is encrypted, analytics are minimal and users can export or delete everything.
Questions
How do you connect to users’ bank accounts?
Through regulated, consent-based channels: India’s Account Aggregator framework, Open Banking APIs in the UK and EU, or providers such as Plaid in the US. Users approve access with their bank, can revoke it at any time, and the app never sees their bank password.
Does a budgeting app need a financial licence?
Budgeting and tracking alone usually do not, but moving money, lending or giving investment advice often do, and the rules differ by country. We design the product so regulated features can be added through licensed partners, and your legal adviser confirms the position.
Can it read bank SMS messages on Android?
An Android app can read SMS only with the user’s permission, and Google Play restricts that permission to specific approved uses. We usually prefer Account Aggregator data and email or receipt parsing, and use SMS only where store policy clearly allows it.