Everything about how TLDR Money works, what it can access, what it deliberately cannot, what it costs and who is behind it. If something here isn’t answered, email [email protected] — a real person reads it.
A personal finance app for India that does three things: it tracks every rupee you spend automatically, rolls everything you own into a single net worth figure, and projects the date you could stop working. It reads the transaction alerts already in your Gmail rather than asking you to type anything in. It is funded by subscription alone — no ads, no referrals, no commissions on any financial product.
Your bank and card issuer already email you when money moves — UPI debits, card spends, salary credits. TLDR Money reads those alerts with read-only access and files each transaction into a category automatically. Connecting your account backfills three months of history immediately, so the first screen shows a real spending pattern instead of an empty state.
No. That is the entire point. Manual entry is why most expense tracking fails — a spreadsheet works for about nine days and then stops being a record of anything. Because the alerts already arrive in your mailbox, something just has to read them, and that something is the app. You may occasionally correct a category, and cash spending has to be added by hand if you want it counted, because nothing generates an alert for a banknote.
Cash, first of all — no automatic method of any kind can see a banknote change hands. Beyond that, coverage depends on your bank actually emailing you: most major Indian banks and issuers do, but not for every alert type, and some accounts need email alerts switched on in netbanking first. Alerts are also not statements. An alert records that a transaction happened; it is not a reconciled bank record, so you should still check the figures that matter to you.
Yes, identically to Android — it reads your mailbox, not your phone's SMS inbox. Full answer on expense trackers for iPhone in India.
Because Android cannot scope it to your bank. The SMS permission grants an app your entire message inbox, including every one-time password you receive and every personal message. Google treats it as highly sensitive and restricts which apps may request it at all. Reading email alerts gets the same transaction data without ever being in a position to see an OTP, so there is no reason to ask for the broader permission. More on tracking without SMS permission.
No, and we never will — reading a transaction alert requires no banking credentials at all. Full answer on expense tracking in India.
No, and this is a structural limit rather than a policy. Access is read-only, and transfers, trades and account opening are not operations that exist within a mail scope — there is no setting we could change to enable them. Combined with never holding your credentials, there is no route to your accounts even in principle.
We do not keep a central warehouse of your financial history. Your data stays connected to accounts you already own and control, and we read what is needed to compute your numbers rather than copying your financial life into a permanent store on our side. The reasoning is simple: the most effective protection against a breach of a financial data warehouse is not operating one. The architecture is described on the security page.
Two independent ways, including one that never depends on our app working. Full answer on security.
No. No ad networks, no third-party data brokers, no anonymised-and-resold arrangement. This is easier for us to hold to than for much of the category, for a structural reason rather than a virtuous one: our only revenue is the subscription, so there is no advertising business or distribution arm whose economics depend on knowing what you spend.
₹299 a month, or ₹1,999 a year. Every plan includes the complete product. Full breakdown, including the founding-member rate, on pricing.
Yes — 14 days with full access, and it takes no card. Because no card is collected, nothing is charged when it ends; the trial simply stops, and your data and setup wait for you if you subscribe later. The first time you are ever charged is when you actively pick a plan.
Because a free finance app still has costs, and that money then comes from somewhere other than you: brokerage on trades, distribution fees on funds it recommends, interest on a pre-approved loan, or a referral fee on a credit card. All legal, all normal — and each one gives the product a reason to show you something, and no reason to tell you when the honest answer is to do nothing. One subscription is the whole business model, so the only way it works is if the product is worth paying for.
One tap, anytime, from inside the app — full details on pricing.
Those are investment platforms, free because they earn elsewhere. TLDR Money is not a broker or a distributor and earns nothing when you buy or hold any product. Full comparison on the homepage.
Everything you own at current value, minus everything you owe. Mutual funds, stocks, fixed deposits, EPF and PPF, gold and property on one side; outstanding loan principal, credit card and BNPL balances on the other. Two rules make it honest: value the asset at what it is worth now rather than what you paid, and be conservative wherever you are estimating — particularly on property, where an optimistic figure silently inflates every decision downstream. More on net worth tracking.
Include it in net worth, with the loan recorded against it, but keep it out of a retirement corpus you plan to draw income from. A home you live in is genuine net worth and cannot be spent — selling it means needing somewhere else to live. Counting it toward a FIRE number is the most common reason people conclude they are far closer to independence than they are.
Your target corpus is your annual expenses divided by the withdrawal rate you rely on — 25 times expenses at 4%, about 28.6 times at 3.5%, roughly 33.3 times at 3% — inflated to the year you plan to stop. Your projection is your current corpus compounding, plus what you add each month compounding on top. Both are illustrations built on stated assumptions, not forecasts, and changing the withdrawal rate or the inflation assumption moves the answer substantially. The arithmetic is worked through on the FIRE page.
It was derived from US market history, and a longer retirement with no state healthcare backstop argues for treating 4% as a ceiling, not a constant. Full reasoning on the FIRE calculator.
No. TLDR Money is not a SEBI-registered investment adviser, research analyst, stock broker or mutual fund distributor, and is not an NBFC, bank or insurance intermediary. It is an information and record-keeping tool. It does not recommend securities and does not tell you what to buy, sell or hold. Every figure it shows is a calculation on data you supply and assumptions it states.
TLDR Money is operated by Sonal Systems Private Limited, incorporated on 28 June 2026 and registered in Vadodara, Gujarat, with CIN U62099GJ2026PTC179785. The company does no lending, no insurance distribution and takes no mutual fund commissions — its only revenue line is the subscription. More on the about page.
Seats are opening in batches rather than all at once, so TLDR Money is not open to everyone yet. Joining the waitlist puts you in line and we email you when a seat opens. There is no charge to join and no spam.
Email [email protected] and a real person will answer it.
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Nothing on this page is financial, investment or tax advice. TLDR Money is not a registered investment adviser or distributor, and every figure the product shows is a calculation on data you provide and assumptions it states.