Combined plan
Total
Joint pot
Chintu
Shanu
Current bank balance
Type the number in each account; saves on blur.Auto-suggest contributions
Preview the smart per-month split. Apply to override the fixed numbers above.| Month | Chintu | Shanu | Joint need |
|---|
Edit goal
Month breakdown
Restore from backup
The laptop keeps an automatic snapshot before every save. Pick one to roll everyone back to that point. Other devices will follow within a second.
Monthly fixed expenses
All — by account
Fixed Expenses
Tap a row to edit.| Name | Category | Remark | Account | Cadence | Anchor month | Deadline | Amount | |
|---|---|---|---|---|---|---|---|---|
| Per month | 0 | |||||||
+ Add expense
Other recurring expenses
Quarterly, yearly, and flexible-target expenses
Birthdays, festivals, annual renewals, one-shot goals with deadlines. Tap a row to edit.| Name | Category | Remark | Account | Cadence | Anchor month | Deadline | Amount | |
|---|---|---|---|---|---|---|---|---|
| Per-month equivalent | 0 | |||||||
+ Add other recurring expense
Savings / Investment
All — by account
Savings & Investments
Tap a row to edit.| Name | Type | Account | Cadence | Anchor month | Deadline | Amount | |
|---|---|---|---|---|---|---|---|
| Per month | 0 | ||||||
+ Add savings or investment
Planned expenses
All — by account
Planned expenses
Grouped by due month. Tap ✓ to mark done.Nothing planned yet. Add a goal below to start saving for it.
Done
(0)
+ Add planned expense
Forecast
Projected balance — next 24 months
Lines start at today's bank balance and accumulate each month's net flow.Recommended
| Month | Salary contribution to Joint | Net worth at end of month | Owed at month-end | ||||
|---|---|---|---|---|---|---|---|
| Chintu | Shanu | Combined | Joint | Chintu | Shanu | ||
Current
| Month | Salary contribution to Joint | Net worth at end of month | Owed at month-end | ||||
|---|---|---|---|---|---|---|---|
| Chintu | Shanu | Combined | Joint | Chintu | Shanu | ||
Planned expenses — monthly draw schedule
Each goal's draw, month by month. Zero rows means deferred to later months.| Month |
|---|
| Total |
No pending planned expenses.
Savings / investment targets — monthly funding schedule
Flexible targets with a deadline only. The scheduler picks the months that fit best given other commitments.| Month |
|---|
| Total |
No pending savings / investment targets. Add one from Plan → Savings/Investment using cadence “Flexible target”.
Recommendation mode
Defines what "Recommended" means everywhere else in the app. Switching here re-runs every projection and balance sheet.Fairness policy
How Equal and Proportional should behave when one partner can't afford their ideal share this month.Equal mode
Both partners pay exactly the same ₹ each month. If one is capped, the other also caps. Joint may take a temporary shortfall.
Proportional mode
Contributions split by salary ratio exactly every month. If the higher earner is capped, both scale down. Joint may take a temporary shortfall.
Upload a Monthly Statement
Preview
| Date | Description | Category | Debit | Credit | |
|---|---|---|---|---|---|
| Totals | 0 | 0 | |||
Saved Statements
| Month | Account | Label | Txns | Outflow | Inflow |
|---|
No statements saved yet.
Filters
Inflow
Outflow
Net
Spend by Category
| Category | Txns | Amount | Share | Distribution |
|---|
No transactions yet for this filter. Upload a statement in the Statements tab.
Monthly Trend
| Month | Inflow | Outflow | Net | Top categories |
|---|---|---|---|---|
| Till now | 0 | 0 | 0 |
Gmail connections
One per partner. Read-only scope. Tokens stay on the laptop.Bank accounts & cards
Map each last-4 to one of your app accounts (Joint, Chintu, Shanu).| Bank | Instrument | Last 4 | Label | Route to |
|---|
Nothing here yet. Bank accounts get added automatically the first time a transaction email mentions them — just hit Poll now after connecting Gmail.
How auto-tracking works
- Tap Connect Gmail for each partner — Google asks for read-only access.
- Drop a Gmail filter on bank senders (HDFC, ICICI, Axis, SBI, Kotak) labeling them
bank-alertsif you want the app to narrow the scan. - Tap Poll now. New bank accounts get added to the table above — pick which app bucket each routes to.
- Future polls auto-create expense rows under Spending → History with a Gmail glyph. Edit a category and we'll apply it to future matching merchants.