Where did your
salary disappear?

Track. Expenses land on their own.

• Sign in with Google

  One tap. No passwords and no OTPs.

• Bank statement import

  Upload a PDF statement, even a password-protected one, to bring in your past transactions.

• Auto-tracking Android

  Reads your bank alert SMS on your phone and records real transactions. OTPs and personal messages are filtered out on the phone before anything is uploaded.

• Auto-tracking iPhone

  Set up a one-time Shortcut and each bank alert flows into Rupya on its own.

Understand. See where it all went.

• Smart categories

  Food, Transport, Bills and more, with merchant logos. Fix a label once and Rupya remembers it.

• Money dashboard & health score

  Income, spending, savings rate, your last 7 days and top merchants, plus a 0–100 health score with a grade.

• Search and review

  Search any transaction, filter by debit, credit or “needs review”, and fix a category in a tap.

• AI money coach

  Ask about your own spending in plain language. Answers come from your real numbers.

Plan. Know what’s safe to spend.

• Safe to Spend

  What you can spend per day, week and month after setting savings aside for your goal.

• Can I Spend?

  Type a purchase amount and see straight away whether it fits your budget.

• Goal-based budgeting

  Pick a goal: emergency fund, pay off loans, start investing, track spending, budget better or early retirement. Your budget adapts.

• Smart nudges

  A heads-up when a category jumps well above your usual level, and a pat on the back when you stay under budget.

Bills & family. Nothing slips. Nobody’s left out.

• Bills and subscriptions

  Rupya spots recurring payments like Netflix, rent, electricity and SIPs. Add your own and see your monthly total and what’s due in 30 days.

• Due-date reminders

  Get reminded a few days before a bill is due. The default is 5 days, and you can choose 1 to 14.

• New-expense popups

  A banner appears when a new expense syncs and the dashboard updates. You can switch it off.

• Split expenses

  Split a bill with friends and record who has paid you back. Only your share counts as your spending.

• Family House

  Up to 8 people join with an invite code to see combined income and spending. Everyone decides whether to share category details. Individual transactions are never shared, and leaving removes your numbers instantly.