What we do not do

We do not run a lending arm. We do not distribute mutual funds, so no fund pays us a commission when you buy it. We do not sell insurance. We do not take referral fees on credit cards, deposits or brokerage accounts. We do not show ads. We do not sell, broker or share your data, and there is no anonymised-and-resold loophole underneath that sentence.

TLDR Money holds no SEBI, AMFI or IRDAI registration, because it sells no financial product. That is a real limitation as well as the point — it means we cannot sell you anything even if we wanted to.

Why it is built this way

A free finance app still has costs, so the money has to come from somewhere other than you. Wherever it comes from, that is the thing the product will get better at over time. Ours comes from you, so the only way this works is if the product is worth paying for. When the right answer for your money is to do nothing, nothing in our incentives argues otherwise.

What the free version actually costs

A commission-funded app is not free. The payment is moved somewhere you do not see it. Distribution commission is paid out of a fund’s expense ratio, and the expense ratio is deducted from the fund’s assets before the return you see is calculated. So you pay it every year you hold the fund, on the entire balance, whether or not you ever open the app again.

The scale of it is public. Indian mutual funds paid ₹27,335 crore in distribution commission in FY 2024-25. Fintech platforms took ₹458 crore of that; banks and traditional wealth managers took the rest. Every rupee was paid by somebody who owned the fund.

The amount is not really the point, though. A commission is earned per product sold and per rupee held, so the app earns more when you buy more, hold more, and move into whatever pays the platform best. A subscription earns exactly the same whether you invest ₹5,000 this month or ₹5 lakh — and exactly the same when the honest answer is that you should not invest anything at all. That is the whole argument for charging you directly, and it is the only one we have.

What ₹299 has to cover

Reading transaction alerts and turning them into a ledger is not free either. Each batch of redacted snippets costs model inference on Amazon Bedrock. Your records sit in a database in Mumbai. There are encryption keys to manage, audit logs to keep, payment processing fees on the subscription itself, and the people who build and support the thing.

₹299 is a number chosen to cover that with something left over, not an introductory rate that has to climb later once an investor needs a return on it. If it ever has to change, this page will say so and explain why before the price does.

Where we currently stand

TLDR Money is not open to everyone yet. Seats open in batches and there is a waitlist, which means we have no revenue to report and the company is funded by its founders rather than by customers. The alignment described above is a commitment we have designed for, not yet a track record we can point at.

We audited ourselves against seven competitors on the same criteria, with sources: how Indian personal finance apps actually make money. Prices and plans are on the pricing page.

The rest of the argument

tldrmoney.in is operated by Sonal Systems Private Limited, CIN U62099GJ2026PTC179785, Vadodara, Gujarat. If any statement on this page stops being true, this page changes before the marketing does.