Guides
Tracking money in India, explained plainly
How spending gets into a tracker here and what each method costs you, how to value what you own, and how early retirement maths changes in India. Each guide stands on its own and none of them is selling you a product.
Tracking what you spend
Expense tracking in India
Every way spending reaches a tracker here — SMS, bank feeds, email, typing it — and what each one costs you.
Manual expense tracking
What an automatic feed misses, and how to make logging it yourself take a sentence.
Expense tracker without SMS permission
What SMS access actually grants, and the ways to track spending without giving it.
Expense tracking on iPhone in India
Why most Indian expense apps were Android-only, and what works on an iPhone.
Net worth and retirement
Tracking net worth in India
Funds, stocks, EPF, gold, property and loans: how to value each one honestly.
FIRE in India
Why the 4% rule does not transfer, and how to work out your own number.
Comparisons
Choosing a money app in India
Against spreadsheets, Mint, Walnut and broker apps, one comparison at a time.
Expense tracker app vs Google Sheets
Where a spreadsheet wins, and the one place it does not.
Walnut alternatives
What happened to Walnut, and why who pays for an app matters.
For the numbers themselves, the calculators are free and need no sign-up, and the blog covers rule changes as they happen.
An expense tracker you can type or talk to
Say what you spent, ask what you spent it on, and set budgets that warn you early. Every new account starts with 30 days of Pro.
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