Your bank already tells you everything. My Expense Control reads only your bank-alert emails — read-only, nothing else — and turns them into a categorized, private ledger. When we're not sure, we ask with one tap. In your language.
An urban Indian makes 150–200 payments a month. Apps that demand daily data entry die in the third week — the graveyard is long. And the apps that “automate” it want to read every SMS on your phone.
Typing ₹40 chai payments into an app every day isn't discipline, it's a second job. By month-end you're doing memory archaeology on “₹340 to q674757@ybl”.
Reading all your SMS means reading OTPs, personal messages, everything. We never ask for SMS access. Not launch week, not ever — it's written into our engineering constitution.
UPI narrations, NEFT strings, kirana names, festival spikes, “kiraya” and “oota” — imported trackers guess. We were built on Indian payment rails from line one.
Link Gmail with Google's read-only permission — we see bank alert emails and nothing else. Cannot send, cannot delete, cannot read personal mail. Upload 3 months of bank statements and your history appears in minutes.
A cascade does the work: deterministic rules for payment rails, a community-taught merchant registry, your own confirmed history, and AI only as a last resort — on masked text, never your identity.
A small card appears the moment you pay: “₹280 to Swiggy — Lunch?” Tap yes and it never asks about that merchant again. Answer by voice, typing, or picking — in Kannada, Hindi, Tamil, Telugu, Malayalam or English.
Seconds after your bank's alert arrives, the transaction is parsed, categorized and saved — silently when we're confident, one tap when we're not. The app learns from every answer: yours, and (anonymously) everyone's.
Say it or type it — our community-built multilingual dictionary maps real Indian money-words to the right category in milliseconds, and gets richer with every user.
“You're paying ₹1,647/month across 4 subscriptions — one you haven't opened since January.” The Subscription Radar spots recurring payments from day one, using your own history.
Statement dues, utilization, reminders — and when you want fewer cards, a guided Closure Assistant with the RBI rulebook in hand. We help you need fewer cards, not more.
“We will never sell your data. We will never show you ads. Your data exists to serve you — nobody else. If we ever recommend a financial product, it will be explicitly opt-in, clearly labeled, and fully disclosed — including what we earn from it.”
Google-verified, least-privilege scope. Bank alerts in; nothing else touched.
Permanently excluded by our engineering constitution — not a settings toggle.
Full-disk encryption on our India-resident servers; backups encrypted with keys that never touch the server.
Account numbers, cards, emails, phones are stripped before any AI processing. Your identity and location, never.
If you opt in to GPS, coordinates are rounded to ~1 km before storage. DPDP Act 2023-first design.
Original email text is deleted after 30 days. What remains is your ledger, not your inbox.
Delete your account and every row of your data goes with it. Verified in our test suite, not just promised.
Community merchant knowledge is contributed without identity — there is no user column to leak.
My Expense Control is in active development by a Bengaluru SRE who got tired of doing memory archaeology on his own bank statements. No fake download counts here — just the real plan.
Core engine: ingestion, parsing across 10+ Indian banks, the categorization cascade, and the one-tap overlay. Google CASA security assessment in progress.
Bengaluru first, Android first, small and personal. Waitlist members get first invites — and your bank + phone model below literally shapes our test matrix.
Direct bank-account sync via India's RBI-regulated Account Aggregator framework — consent-based, revocable, no credentials shared. Balances and every account in one place.
No. The Google permission we request is read-only and we filter to authenticated bank-alert senders only — every email must pass cryptographic sender checks (SPF/DKIM) before we even store it. We cannot send, delete, or modify anything in your inbox, and raw alert text is purged after 30 days.
A simple premium tier (longer history, unlimited exports, budgets and smart alerts). The free tier keeps full automatic categorization forever — and privacy features are never, ever paywalled.
SMS access means access to OTPs and private messages, and Google is actively restricting it. We chose the harder, cleaner path: authenticated bank emails, PDF statements, and (soon) the RBI's consent-based Account Aggregator rails. Nothing on your phone is read that isn't a bank alert.
Closed Android beta in Bengaluru first — join the waitlist below. iOS follows later; Android's real-time overlay experience is our flagship and we'd rather say that plainly than over-promise.
No and never. We hold no funds, move no money, issue no credit, and sell no financial products. We are the private ledger and brain on top of accounts you already have.
Beta invites go out in order, Bengaluru first. Telling us your bank and phone brand isn't marketing — it decides which bank formats and which phones we test on next.