AI Personal Finance Coach
Catch overspending
before payday.
Mr. Money predicts where your money is going, then coaches you to change course. Before the month ends, not after.
Bank-grade encryption. Data stored in India. Free for 14 days.
How it works
Your coach. Not just a tracker.
Your coach predicts drift. Not just tracks it.
Most apps tell you where you failed after the month ends. Mr. Money spots the pattern three days before payday and asks one question: still going ahead? Proactive, not punishing.
- Pre-payday spending alerts
- Drift detection before it becomes overspending
- Gentle nudges, not blame
Save like you level up.
Budgets fail because they are rules. Streaks work because they are rituals. Daily logging earns streak badges and unlocks coaching features. The goal is not the badge. The goal is the habit.
First badge
Habit lock-in
Rohan's current streak
Master coach unlocked
Built for UPI, EPF, and salary day.
Not a Western banking app with INR bolted on. Mr. Money was designed from the ground up for how money moves in India: UPI auto-sync, EPF tracking, irregular freelance income, and family transfers.
- All major Indian banks supported
- UPI auto-sync catches every transaction
- Account Aggregator framework compliant
- RBI data localization: stored in India
What early users are saying
Real stories from beta testers.
“I was overspending by ₹8,000 every month without knowing where it went. After two weeks the AI flagged my subscriptions and food delivery patterns. I cleared ₹15,000 in unnecessary spend in month one.”
Priya S.
“The streak system is genuinely addictive. 47 days logged, no breaks. My emergency fund is at 60% of target and I actually look forward to opening the app.”
Rohan M.
“As a freelancer every other app made me feel like I was failing. Mr. Money set a smoothed budget that accounts for my slow months and stopped blaming me for irregular income.”
Aisha K.
“The predictions showed me exactly where drift was happening three days before payday. Saved ₹6,500 last month I would have spent without thinking.”
Vikram T.
“UPI sync picks up every transaction automatically. I correct maybe 2 or 3 entries a week. Set it, forget it, and the savings actually grow.”
Sneha D.
“I track USD income and INR expenses in one dashboard. My US ETFs and Indian SIPs side by side. No other app comes close for an NRI.”
Aditya R.
Pricing
Start free. Upgrade when you are ready.
No credit card needed for the trial. India Pro is priced for India.
Free
14 days of full AI coaching, spending insights, and your first savings goal. No credit card needed.
Start FreeIndia Pro
Most Popularor ₹1,990/year (save 2 months)
Full AI coaching, unlimited goals, UPI and bank sync, spending predictions, and habit streaks. Billed in INR.
Get India ProGlobal Pro
Everything in India Pro plus multi-currency tracking, global investment portfolios, and priority coaching.
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Questions before you sign up.
Is my financial data safe?
Yes. All data is encrypted in transit (TLS 1.3) and at rest (AES-256). Data is stored on servers in India, compliant with RBI data localization guidelines. We support the Account Aggregator (AA) framework, so you control exactly what we can and cannot see.
Does it support UPI and Indian banks?
Yes. Mr. Money syncs with all major Indian banks and reads every UPI transaction in real time. That includes PhonePe, GPay, BHIM, and bank-direct UPI. Merchant names are normalized so ZOMA*12345 becomes Zomato Food Delivery automatically.
What happens after the 14-day trial?
After the trial, you can upgrade to India Pro at ₹199/month, or continue on the free plan with basic tracking and ads. No credit card is required during the trial period.
Is there an annual plan?
Yes. India Pro is ₹1,990/year, which saves you two months compared to the monthly plan. Billed in INR, no foreign transaction fees.
Does it work for freelancers with irregular income?
Absolutely. Mr. Money uses smoothed budgeting that accounts for high-earning and low-earning months. You set a target annual income; the AI distributes it across months based on your actual history, so a slow month does not trigger a false overspending alert.
When is the app launching?
The app launches within one month. Join the early access waitlist today and you will be among the first users. Early access members also get a 3-month India Pro trial at no cost.
Your money coach is almost here.
Join the waitlist. Get early access before the public launch.
Early access members get 3 months of India Pro at no cost.