Know exactly where every rupee goes — and where it's headed.
Stop juggling five different apps for banking, cards, investments, and tax. Where Is My Money? is one home for your entire financial life — built for India.
Android · iOS · Windows · macOS · Linux — No ads, no data selling
Your data lives on your device first. Cloud sync is optional, never forced.
Where Is My Money? doesn't monetise your financial data. Ever.
Lock the app behind your fingerprint, face, or PIN.
Export everything to PDF, or delete your data, whenever you choose.
Everything about your money, unified
Where Is My Money? isn't another expense tracker. It's a complete financial operating system covering 14 areas of your financial life.
Banking & Wallets
See balances across every bank account and wallet in one view — no more app-hopping to check what you actually have.
Credit Cards & Rewards
Track statements, due dates, reward points, and spending patterns for every card side by side.
Investments
Stocks, mutual funds, ETFs, and bonds with real XIRR calculations — see your actual return, not a rough estimate.
Debt & Credit Health
Loans and credit cards in one place, with a credit health score that tells you where you stand.
Goals & Budgeting
Personal and household budgets with forecasting, so you know today if you're on track for next month.
Income Tax
New Regime calculator with Form 26AS tracking, built in — no separate tax software required.
How Where Is My Money? works
Five steps from install to a full picture of your money — this is a real, ordered flow, not a feature list.
- 1
Add your bank, cards, and wallets
Bring your accounts into one place in a few minutes — no lengthy onboarding.
- 2
Categorise expenses
Auto-suggested categories do most of the work; adjust anything by hand when you want to.
- 3
View your financial health dashboard
Net worth, budgets, and investments — one screen, always current.
- 4
Get alerts on budgets, investments, goals
Where Is My Money? tells you when something needs attention, instead of you having to go looking for it.
- 5
Export reports, share with family
PDF exports and shared budgets, whenever the numbers need to leave the app.
Built for how Indians actually manage money
One Dashboard, Everything Visible
- Stop switching between five-plus apps — bank app, card app, investment app, travel app, tax software
- A real-time view of net worth across every account you hold
India-First Design
- Budget natively in INR — no forex-conversion headaches
- Income Tax (New Regime) calculator built in
- Support for family structures — joint budgets, kids' allowances
Smart, Automated Insights
- Credit health scoring and spending-trend alerts
- Goal progress tracking with forecasts, not just totals
- A year-in-review that actually tells you something new
Control & Privacy
- Local-first — your data lives on your device first, cloud sync is optional
- No ads, no data selling, ever
- Biometric + PIN security on top of local storage
Comprehensive Beyond Tracking
- Not just where money went — where money is: investments, vehicles, metals
- Life-event coverage: travel budgets, vehicle lifecycle, precious-metal insurance
Cross-Platform Freedom
- Android, iOS, Windows, macOS, and Linux
- Sync when you want to, or stay completely local
- Export everything to PDF whenever you need it
Where Is My Money? is here
Download it now on Google Play, or scan the code to install straight from your phone.
Frequently asked questions
Yes. All your financial data is encrypted at rest using AES-256 encryption, directly on your phone or device. Only when you enter your 6-digit PIN does the app decrypt it to show it to you — we never see your financial data, and your phone is the source of truth. When cloud sync is enabled (Premium), your data syncs to our servers over HTTPS, encrypted both in transit and at rest.
No. The entire app works fully offline — you can track all your expenses, income, investments, budgets, and goals without ever connecting to the internet. Cloud sync across devices is optional and only available in Premium.
Free (Offline) covers everything core: expense, income, budget, goal, investment, debt, vehicle, and precious-metal tracking, encrypted backup and restore, financial health scoring, a tax calculator, reports, home-screen widgets, and local family member tagging. Premium adds cloud sync across Android, iOS, and desktop, attachments for receipts and documents, live precious-metal market rates, multi-currency support, cross-account family sharing where you can invite another person into a shared household, and priority support.
Early-bird launch pricing, available through the end of September 2026, is roughly ₹49/week, ₹99/month, or ₹499/year — the exact price shown at checkout may vary slightly by region and currency. Early-bird subscribers lock in that price forever.
On the free plan, yes — you can tag local family members when adding expenses or income. Premium adds cross-account sharing: create a shared family, invite others to link their real accounts, choose which data categories they can see, and track household budgets, subscriptions, and joint goals together.
Free users can export an encrypted backup file, protected by a passphrase you set, any time from Settings, and restore it on a new device whenever needed. Premium adds continuous backup of your synced data to your cloud account. Everyone can also import bank statements as CSV files and export PDF financial reports.
There's a built-in list of 200+ Indian banks, covering all major banks, NBFCs, and digital banks. Add any of them manually with an opening balance, or import a CSV statement — the app doesn't auto-connect to your bank, so you stay in full control of what's logged.
Not yet. Where Is My Money? is mobile-first — it's available on Android now, with early-bird pricing, and iOS is coming next. Desktop apps for Windows, macOS, and Linux are planned after the mobile launch.
No — the app is designed for personal finances, built around individual budgets, household expenses, and personal tax filing under India's New Regime. If you need to separate business income and expenses from personal ones, you can use a second account, but the app isn't optimised for business accounting.
On the free plan, everything is tracked in INR. Premium lets you log expenses and income in any currency — the app converts it to your base currency using live exchange rates, which is useful for international travel or NRI finances.
You can wipe just the app's local data from Settings > Data Management > Factory Reset, which keeps the app installed. To delete your account completely — all local data, your cloud data if you're on Premium, and your cloud account — go to Settings > Account Deletion. Both actions are instant and irreversible.
You can track both SIP (recurring) and lump-sum investments. The app calculates XIRR — your real rate of return, accounting for the timing of each deposit — along with current capital gains and your asset allocation across mutual funds, stocks, gold, and other vehicles, so you can monitor your portfolio and plan around tax.
Yes, for India's New Regime. The app includes a tax calculator that pulls from your actual income entries, a slab visualisation, NPS tax-saving tips, advance tax tracking, and Form 26AS/AIS reconciliation you can upload and verify against. It's not a replacement for a CA, but it helps you understand your tax liability and keep your documents organised.
Android is launching now, with early-bird pricing available through September 30, 2026. iOS is coming soon, once Android has stabilised, and desktop apps for Windows, macOS, and Linux are planned after the mobile launch — there are no current plans for a web version. Early-bird subscribers lock in their pricing forever, so it's a good window to join if you want to save.
The free tier is fully free forever — no ads, no data selling, no freemium tricks. Premium is a subscription (weekly, monthly, or yearly, cancel anytime) handled through RevenueCat. Usage analytics are optional and off by default for free users; if you opt in, no financial data is ever included.
Most other apps lock core features like budgeting, investing, or tax tools behind a paywall, or run an ad-supported free tier. Where Is My Money? locks nothing finance-core behind Premium — everything a personal-finance app needs works offline and free. Premium stays genuinely optional: cloud sync, attachments, live rates, and family sharing, not a requirement for a complete app.