TLDR Money is an expense tracker and personal finance app for India that tracks spending automatically from Gmail alerts, values your whole net worth, and projects your FIRE date.
It reads every rupee automatically, values everything you own, and shows exactly when you can retire — funded by your subscription alone. No ads, no referrals, no fund you never asked to buy.
When the tracking is free, the revenue comes from somewhere else — and that somewhere else is usually a product being sold back to you. We took the other path.
All legitimate. But each one gives the app a reason to sell you something.
Your subscription. That's the whole business model.
The subscription is the alignment. We only do well if the product is worth paying for — not if we can point you toward something else.
Set up once. It works from day one — including the three months before you signed up.
TLDR reads your Gmail UPI and salary alerts and files each one automatically. No manual entry — and three months of history are backfilled the moment you connect. More on how automatic expense tracking works in India.
Mutual funds, stocks, gold, real estate and FDs roll up into a single net-worth figure with one honest trend line — not a dozen scattered dashboards. More on tracking net worth in India.
Your FI number, how far along you are, and a projected retirement date — modelled for Lean, Coast and Fat FIRE so you can see every version of the finish line. More on calculating your FIRE number in India.
There's no warehouse of your finances on our servers to protect, breach, or monetise — because we don't keep one. The architecture is the privacy policy.
Your financial data stays linked to accounts you already own and control. TLDR reads what it needs to compute your numbers; it doesn't warehouse them.
We parse transaction alerts to categorise spend and detect salary credits. TLDR can never move money, place trades, or open accounts on your behalf.
No third-party data brokers, no ad networks, no anonymised-and-resold loophole. Export or delete everything whenever you want.
Built to India's Digital Personal Data Protection Act. You keep the right to access, correct, and erase your data — and consent you can withdraw any time.
Every plan includes a 14-day full-access trial. No credit card to start.
Month to month. Cancel anytime.
≈ ₹167/month · save 44% vs monthly
A locked early-user rate for year one.
They're free because they make money elsewhere — brokerage commissions, loan referrals, distribution fees on the funds they sell you. That means their incentive is to sell you something. TLDR Money has one revenue line: your subscription. We don't have a lending arm, we don't sell insurance, we don't get paid when you buy a mutual fund. The subscription price is the alignment — we only win if you find the product worth paying for, not if we can cross-sell you something else. We've written the comparisons out one by one — against spreadsheets, Mint, Walnut and broker apps.
Read-only access to the transaction alerts in your Gmail — UPI debits, card spends, salary credits — plus the asset values you add for net worth. That data stays connected to your own Gmail and cloud, not warehoused on our servers. We parse it to compute your numbers; we never move money, place trades, sell it, or share it.
Cancel in one tap, anytime, from inside the app. You keep full access until the end of the period you already paid for, and you can export all your data on the way out. The 14-day trial takes no card, so if you decide TLDR isn’t for you, there’s nothing to cancel and nothing charged.
Nothing automatic. Because the trial needs no card, it simply ends — your data and setup wait for you if you choose a plan later. Pick Monthly, Annual, or the Founding rate whenever you’re ready; that’s the first time you’re ever charged.
Full access, no credit card. TLDR Money costs ₹299 a month, or less on the annual plan — you'll know if it's worth it before you're ever charged.