I started tracking every expense manually. 3 months later, I finally understand where my salary actually goes.

Hi everyone! 29M here.

For years, I just checked my bank balance occasionally and checked transaction histories to remember where my money went. No real picture of what was actually happening. I got tired of every finance app asking for my bank login or SMS access, and I thought that surely this same problem was being faced by individuals like me.

So, 3 months ago, I started doing it my way, logging every expense myself. Built a dashboard app to make it easier. No bank linking, no SMS reading, 100% private.

Here's what 3 months of honest tracking actually showed me:
Fixed EMIs were eating ₹47,374 before I'd spent a single rupee on living expenses. I knew the individual amounts but had never added them as one number. Seeing it together was a gut punch. Subscriptions came to ₹1,012/month across 4 apps. I use iCloud once a month. Hotstar, I forgot, was still running. Cancelled both in the same week. The Money Flow chart showed April's expense bar noticeably taller than March's. Drill down kiya toh food delivery and random UPI transactions explained the entire difference. Without the chart, I would have just felt vaguely bad about April. With it, I knew exactly what happened.
The foreign trip goal is sitting at 42.8%, on track. Every month, the tracker tells me exactly how much I need to save to stay on target.
No guessing, no spreadsheet formulas breaking. If you've ever felt uncomfortable giving a finance app your bank password, this dashboard is built for that exact feeling.
3 days free trial is live right now.

With this, I concluded - The insight is that most Indians already know roughly what they earn and what their fixed costs are. EMI amount, rent, Netflix bill — they know these numbers. They just never see them together in one place.

It delivers a "first shock of clarity" the moment someone sets up their profile, before they've logged a single daily expense.

Have you ever tracked your monthly spend? What surprised you the most?

PFA - Real Dashboard Screenshots below! The numbers will shock you