Features
Everything you need to take control.
AI coaching, UPI sync, habit streaks, and India-native budgeting — built for how money actually moves in India.
AI Spending Coach
Knows where the money goes before you do.
The AI reads your transaction patterns and predicts overspend 3 days before it happens. It flags drift, names the category, and tells you exactly how much to pull back. You act before the money is gone.
AI Spending Coach
The AI reads your transaction patterns and predicts overspend 3 days before it happens.
Habit Streaks
Saving feels like leveling up.
Every day you log, review, or hit a micro-savings target, your streak advances. Miss a day and you get a 6-hour grace window. Milestones at 7, 21, 60, and 100 days unlock coaching features and gold badges. The goal is not the badge: it's the habit the badge signals you have built.
Habit Streaks
Every day you log, review, or hit a micro-savings target, your streak advances.
UPI + Bank Sync
Every transaction, automatically.
Reads directly from your bank's transaction feed in real time. Catches every UPI debit and credit. Normalizes merchant names so ZOMA*12345 becomes Zomato Food Delivery. Detects split payments and separates family transfers from expenses.
UPI + Bank Sync
Reads directly from your bank's transaction feed in real time.
India Native
Built for how money moves here.
UPI transfers, EPF contributions, salary structures with multiple components, family remittances, irregular freelance income. Every category India uses is built in — not a Western taxonomy retrofitted for the Indian market.
India Native
UPI transfers, EPF contributions, salary structures with multiple components, family remittances, irregular freelance income.
Investment Tracker
Your SIPs and savings in one place.
Track mutual fund SIPs, direct stock holdings, and EPF balances alongside your daily budget. Global Pro users add US ETFs and see INR and USD portfolios in a single dashboard. No separate app needed.
Investment Tracker
Track mutual fund SIPs, direct stock holdings, and EPF balances alongside your daily budget.
Privacy Center
Your data never leaves your control.
Biometric authentication. Account Aggregator framework support for consent-based data access. AES-256 encryption at rest, TLS 1.3 in transit. All data stored on servers in India, compliant with RBI data localization guidelines. We have never sold user data and we never will.
Privacy Center
Biometric authentication.
How it works
Up and running in minutes.
Connect your accounts
Link your UPI handles and bank accounts via the Account Aggregator framework. Consent-based, revocable anytime.
Set your first goal
Emergency fund, festival budget, or just making it to month-end — pick one. The coach builds a path to it.
Coach alerts you
Receive proactive nudges before overspend, not post-mortems after. Real-time and 3-day predictive alerts.
Build the habit
Daily streaks, milestone badges, and a coaching score that goes up as your financial behavior improves.
What early users are saying
"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.