TrackMyRupee

TrackMyRupee is a personal finance system built for Indian salaried professionals who want a clear view of their money without connecting bank accounts or giving an app access to SMS. It brings net worth, cashflow, loans, recurring expenses, and investments together in one place, helping you keep track of what you own, what you owe, and where your salary goes.

The system uses manual, privacy-first tracking. You record the financial information you want to monitor, while the app organizes it through a double-entry ledger. This makes it useful for people who want accurate records while keeping control over their financial data and avoiding account connections.

Key Features

Net Worth Tracking

Keep track of your overall financial position across different types of assets and liabilities.

• Savings accounts
• Credit cards
• Loans
• Investments
• Physical assets
• Indian financial instruments
• Foreign currency holdings

Double-Entry Ledger

Track transactions through a structured ledger designed to keep financial records consistent over time.

• Double-entry accounting
• More structured financial records
• Reduced tracking drift
• Manual control over recorded transactions

Loan & EMI Planning

Plan loans and understand how repayments change over time.

• EMI tracking
• Loan amortization
• Floating-rate support
• Repayment planning

Recurring Expense Tracking

Keep recurring financial commitments visible in one place.

• SIPs
• Rent
• Subscriptions
• Other recurring expenses
• Regular payment tracking

Goals & Projections

Set financial goals and see how your current saving pace could affect future progress.

• Goal tracking
• Saving projections
• Progress monitoring
• Pace-based estimates

AI Spending Insights

Identify spending categories that are changing over time.

• Month-over-month category analysis
• Growing spending categories
• Automated financial observations
• Spending trend visibility

Indian Asset Support

Track common Indian savings and investment products alongside everyday finances.

• PF
• PPF
• NPS
• Mutual funds
• Fixed deposits
• Recurring deposits
• Gold
• Real estate

Multi-Currency Tracking

Keep track of assets and balances held in different currencies.

• Foreign currency support
• Multi-currency records
• Useful for travelers and people holding overseas assets

Offline PWA

Access your financial tracking workspace through a Progressive Web App.

• Offline support
• Home-screen access
• Browser-based workflow
• Designed for use across devices

Built For Private Personal Finance

TrackMyRupee is designed for people who want to manage their finances without handing over bank credentials or SMS access.

It is particularly suited to:

• Indian salaried professionals tracking income and expenses
• Privacy-conscious users who don't want connected banking
• Investors managing multiple asset types
• People with loans planning EMIs and repayments
• Multi-asset households tracking savings, investments, and physical assets
• Users with foreign holdings who need multi-currency tracking

Common Use Cases

Tracking Net Worth

Bring savings, investments, loans, credit cards, and physical assets into one view to understand your overall financial position.

Managing Monthly Cashflow

Record salary, expenses, recurring commitments, and other transactions to understand where money goes each month.

Planning Loans

Use amortization and floating-rate support to track loan repayments and plan future EMIs.

Monitoring Investments

Keep PF, PPF, NPS, mutual funds, FDs, RDs, gold, and other assets within the same financial picture.

Setting Financial Goals

Track progress toward savings goals and use your current saving pace to build projections.

Managing Finances Without Bank Connections

Record financial information manually without providing bank credentials or allowing the app to read SMS messages.

Manual Tracking With Your Data Under Your Control

Many personal finance tools rely on bank connections or automated SMS parsing to collect financial information. TrackMyRupee takes a different approach by letting you decide what gets recorded.

You enter the information yourself, while the double-entry ledger provides the structure needed to keep those records organized. This makes the system independent of any particular bank or financial institution.

Built Around Indian Financial Workflows

TrackMyRupee supports financial categories commonly used in India, including PF, PPF, NPS, mutual funds, FDs, RDs, gold, and real estate.

Combined with loan planning, recurring expense tracking, multi-currency support, and goal projections, this allows different parts of your financial life to be managed from the same system.

Privacy-First Finance Tracking

The main distinction is the data-access model. TrackMyRupee does not read SMS messages or request bank credentials. Instead, you decide which financial information enters the system.

That makes it useful for people who want a finance tracker that can work with any bank, account, or combination of assets without connecting everything to a single financial ecosystem.

Export & Data Control

The platform also supports CSV export and self-hostable data handling, giving users more control over how their financial records are stored and used.

• CSV export
• Self-hostable data handling
• Manual data entry
• No bank credential access
• No SMS-based tracking

Why It Matters

Managing personal finances becomes more complicated when savings, investments, loans, recurring expenses, and physical assets are spread across different places. Connecting everything automatically can make tracking easier, but it also means giving third-party services access to sensitive financial information.

TrackMyRupee focuses instead on manual control, structured accounting, and privacy. You decide what to record, while the system organizes it into a broader picture of your finances.

Take Control of Your Personal Finances

Track net worth, cashflow, loans, investments, recurring expenses, and financial goals in one privacy-first system built for Indian users, without connecting your bank accounts or giving access to SMS.