Personal finance, quietly

Know where your
money went.
Without the spreadsheet.

India's free expense tracker — built for UPI, cash, and monthly budgets. Add expenses in a tap. Set budgets that nudge you, not nag you. Then watch months of spending become quiet, honest insight.

Start tracking free See how it works
Private by default
Free forever · No ads
↓ a recent week

Spent this week

₹19,132

vs prior week

12% less

  • Blue Tokai

    Coffee · Today

    −₹280

  • Uber India

    Transport · Today

    −₹412

  • Acme Pvt Ltd

    Salary · Yesterday

    +₹1,42,000

  • BigBasket

    Groceries · Yesterday

    −₹3,240

  • Zerodha

    Savings · 26 May

    −₹15,000

ledger entries · added in a tap

  • Free forever for personal use
  • Works 100% offline
  • No bank linking required
  • DPDP Act 2023 compliant
  • Built in India · INR-first
  • No ads, ever

Three things, done well

One ledger.
Quietly kept.

Add what you spend in a tap — fast, private, works offline. Set budgets that keep you honest, and let the insights do the explaining at the end of the month.

01

A tap is enough.

Cash for the chai-wala. The thing you bought without a receipt. Add expense, income, or savings in seconds — amount, category, done. No forms, no friction, no fuss.

₹ 180 expense
Tea · cash · two minutes ago
02

Budgets that nudge.

Set a gentle cap per category. MoneyMind shows how close you are before you overspend — a quiet nudge, never a guilt trip. You decide where the line sits.

Food & Dining ₹8,400 / ₹10,000
03

Insight, not bar charts.

Period-over-period deltas. Daily and weekly averages. Day-of-week patterns. What your money usually does on a Wednesday. The plain truth, plainly shown.

Daily avg

₹2,140

8%

India-first by design

The expense tracker
built for India.

Most expense tracking apps were built for US dollars and American spending habits. MoneyMind is built for how Indians actually earn, spend, and save — UPI for everything, cash at the kirana store, salary at month-end, SIPs on the first.

As the best Walnut alternative available today, MoneyMind fills the gap left by Walnut's shutdown with a stronger privacy model and DPDP Act 2023 compliance — the Indian data-protection law that gives you real rights over your financial data.

Try it free →

  • ₹ INR-native display

    Amounts in rupees with Indian number formatting — lakhs and crores, not thousands.

  • UPI-aware categorisation

    Recognises PhonePe, Google Pay, Paytm, BHIM UPI, and direct bank transfers.

  • Indian bank notifications

    Optional Gmail integration parses HDFC, ICICI, SBI, Axis, Kotak, Paytm, PhonePe and 7 more.

  • No SMS permissions

    Unlike apps that read your SMS inbox, MoneyMind uses secure OAuth — or nothing at all.

  • DPDP Act 2023 compliant

    Your rights under India's data protection law are built into the product, not a checkbox.

  • Works on Indian networks

    Full offline capability via PWA — expenses sync when you reconnect, even after a metro tunnel.

Insights, not analytics

The same data,
told as a story.

Six small windows into your money. Each one answers a question you've probably asked yourself at the end of a month.

This month

₹48,210

−12% vs prior

Daily average

₹1,607

−8% vs prior

Weekly average

₹11,247

+3% vs prior

Transactions

184

+22 vs prior

Where it went

By category

May 2026

total

₹48,210

  • Food 32%
  • Transport 18%
  • Bills 16%
  • Groceries 14%
  • Other 20%

When it happens

By day of week

Saturdays cost the most
Mon
Tue
Wed
Thu
Fri
₹9.2k
Sat
Sun

Daily flow

Two quiet weeks, then a spike

14d
₹11,200
13 May 26 May

The rails

Budgets, gently

Food & Dining ₹8,400 / ₹10,000
Transport ₹3,200 / ₹5,000
Entertainment ₹4,900 / ₹4,000

Quick start

Start tracking your expenses
in under 60 seconds.

No complex setup, no bank credentials, no tutorial. Three steps and you're tracking your spending.

01

Create your account

Sign up with your email address. No credit card required. Takes about 30 seconds.

Your account is ready immediately. No phone number, no ID verification, no subscriptions.

02

Add your first expense

Tap +, enter the amount, choose a category. Done in 3 taps.

Cash at the dhaba, UPI at the grocery store, an EMI — all treated the same. Just the amount and a category.

03

Set your monthly budgets

Tell MoneyMind how much you want to spend per category each month.

MoneyMind shows a progress bar as you spend. When you're close to the limit, it nudges you — quietly.

Start free — no card required

Your data, your terms

Private
by default.

MoneyMind keeps only the transactions you choose to record. No ads, no trackers, no selling your data — and you can export or delete everything whenever you like. Your financial data never leaves India's legal protections.

Read the full privacy policy
No ads, ever
Your data is never used for advertising, never sold to third parties, and never used to train machine learning models.
Yours to export
Download your full transaction history as CSV at any time — your records are never locked in.
AES-256-GCM encrypted
Gmail OAuth tokens stored with column-level encryption. A database compromise alone cannot decrypt your tokens.
Delete on request
Delete your account and your data is purged within thirty days under the DPDP Act 2023. No questions asked.

How we compare

MoneyMind vs.
the alternatives.

You have options for expense tracking in India. Here is how MoneyMind compares to the most common alternatives.

Feature MoneyMind Spreadsheet Bank App ET Money
Free forever Ads
INR-native & India-first Manual
UPI-aware tracking Partial Partial
Works fully offline
No bank linking
Privacy-first
Automatic insights Basic
CSV export Limited
No ads

Comparison based on publicly available feature information as of June 2026. Bank App refers to typical Indian bank mobile apps.

Stop guessing.
Start knowing.

Free forever for personal use. No credit card. Works on the web, installs as a PWA on your phone in seconds. India's best free expense tracker — built for UPI, cash, and monthly budgets.

Open MoneyMind

Common questions

Everything you
need to know.

Still have questions? Write to us at skv1226@gmail.com.

Is MoneyMind free?
Yes — MoneyMind is completely free for personal use. There is no credit card required, no premium tier that locks away essential features, and no advertising of any kind. Every core capability — manual expense entry, category budgets with soft-nudge alerts, spending insights, CSV export, and the optional Gmail integration — is included at zero cost. MoneyMind follows a free-forever model for personal use. We believe good personal finance tools should be accessible to every Indian, not just those who can afford a subscription. The service is run as an independent project, funded by its founders — not by monetising your data or showing you ads. If paid features are ever introduced in future, they will be clearly optional enhancements, and the full core product will remain free. You can delete your account and all associated data at any time, with no fees, no friction, and no retention barriers.
Does MoneyMind work without internet?
Yes. MoneyMind is built as a Progressive Web App (PWA), which means it works fully offline — no internet connection required to add expenses, view your history, check your budgets, or browse your spending insights. The app is designed to work on your phone, tablet, or desktop browser without installing anything from an app store. When you add an expense offline, it is saved locally and automatically synced with your account the next time your device connects to the internet. This makes MoneyMind reliable in areas with patchy connectivity — whether you are on a flight, in a metro tunnel, or simply on a weak mobile network. You can install MoneyMind on your home screen from your browser (iOS Safari or Android Chrome) for instant, one-tap access — it behaves exactly like a native app without taking up app store download space. A dedicated Android and iOS app store version is on the product roadmap.
Does MoneyMind read my SMS or link to my bank account?
No — MoneyMind does not request SMS permissions and does not connect to your bank account directly. By default, MoneyMind is a fully manual-entry expense tracker. You add what you spend, and nothing is read or imported without your explicit action. There is one optional feature: a Gmail integration that can parse payment notification emails from Indian banks and payment apps — HDFC, ICICI, Axis, SBI, Kotak, IndusInd, Yes Bank, RBL, Federal Bank, IDFC First, Paytm, PhonePe, and Deutsche Bank. This is completely opt-in, uses Google's secure OAuth flow, and only reads emails from the specific bank senders you authorise. The OAuth refresh token is stored in AES-256-GCM encrypted form and is never accessible from your browser. You can revoke the Gmail integration at any time from the app settings, and MoneyMind will immediately delete the stored token and revoke access with Google. SMS permissions are never requested.
Is my financial data safe?
Yes. MoneyMind is built with privacy as a first principle, not an afterthought. Your transaction data is stored in a Supabase database protected by row-level security — every query is automatically filtered to return only the rows that belong to your authenticated account. No other account can ever access your records. The service is compliant with India's Digital Personal Data Protection Act, 2023 (DPDP Act), which gives you legally-backed rights to access, correct, and permanently delete all personal data we hold about you. Gmail OAuth tokens — if you use the optional Gmail integration — are stored in AES-256-GCM encrypted form at the column level, with the 256-bit encryption key held in a separate secret store. A database-level compromise alone cannot decrypt your tokens. We do not serve advertising, do not sell data to third parties, and do not use your transaction history to train any machine-learning model. You can export everything as CSV or request permanent deletion of your account within 30 days.
I used to use Walnut. Is MoneyMind a good replacement?
Yes, MoneyMind is the closest spiritual successor to Walnut for Indian users. Walnut was loved for being manual-entry first, India-native, and privacy-respecting — qualities that most banking super-apps and global trackers simply do not offer. MoneyMind shares exactly that philosophy. It is INR-native, UPI-aware, and built specifically for the way Indians earn and spend money: cash at the kirana store, UPI for everything else, salary credited at month-end, SIP deductions on the first. The core workflow mirrors what Walnut offered: open the app, log what you spent, set a budget, and check your insights at month-end. No mandatory bank linking, no ads, no sharing your financial behaviour with a third party. MoneyMind adds a stronger privacy and security model compared to Walnut — AES-256-GCM encrypted storage, row-level security, full DPDP Act 2023 compliance — and works as a PWA so it functions offline on any device without an app store download.
What makes MoneyMind different from other budget apps?
MoneyMind is designed specifically for Indian users, which makes it different from global personal finance apps like YNAB, Mint, or Money Manager in several important ways. First, it is INR-first — amounts are displayed in rupees, formatted in the Indian numbering system, and the category system reflects how Indians actually spend money. Second, it has native UPI awareness: the optional Gmail integration recognises payment notifications from every major Indian bank and payment app. Third, it is fully offline-capable as a PWA, making it reliable on Indian mobile networks where connectivity drops regularly. Fourth, it is DPDP Act 2023 compliant, giving you legally-backed rights over your data in India. Fifth, it is completely free for personal use with no locked features and no advertising. No comparable India-first expense tracker currently combines all five of these qualities in a single app.

From the blog

Personal finance tips
for India.

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