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, on the free plan or on Pro. 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.

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.

Why there is a free plan, and where it stops

Writing down what you spent costs us almost nothing to run, so it is free and unlimited, along with budgets, alerts and recurring entries. Nothing ever stops you logging a transaction.

Voice entry, chat entry and Ask are different. Each voice entry is transcribed and each sentence or question is read by a language model, and every one of those is a bill we pay per use. That is why the free plan includes 30 voice or chat entries and 5 Ask questions a month, and Pro makes them unlimited. Your full history and the shared ledger are the other things Pro pays for. The details are on the pricing page.

What the subscription has to cover

Transcription and model calls for every voice entry, chat entry and question. The database your ledger lives in, and the backups behind it. The share of every subscription that the App Store and Google Play keep for billing it. And the people who build and support the thing.

The price has to cover that with something left over, rather than start low and climb once an investor needs a return. Pro is ₹199 a month or ₹1,299 a year in India. The first 1,000 subscribers can lock in a founding rate of ₹999 a year for life; once those places are gone, the founding rate closes.

Where we currently stand

The app launches on iPhone and Android; until then no one is charged, 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.

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.