Track every rupee across 20+ Indian asset classes — stocks, mutual funds, PPF, EPF, NPS, SGB, real estate — in a cloud-encrypted vault. Sign in from any phone or laptop with your master password and see the same numbers. No bank credentials. No data brokers. Not even we can read your data.
Brings together data from brokers and asset classes you already use
One app. Twelve tools. Zero snooping.
Net worth, cash flow, goal progress, budget alerts — all at a glance with AI-generated insights on every card.
Stocks · MFs · PPF · EPF · NPS · SGB · REITs · FDs · RDs · Real estate · Crypto · Gold · US stocks. One ledger.
Set a target (house, retirement, kid's college) and we back-calculate the monthly SIP. Track progress live.
Budget 2026 slabs, ₹12L rebate, ₹75K standard deduction, HRA, 80C. Compare old vs new regime — built into your signed-in dashboard.
SIP · SWP · EMI · FD · RD · PPF · NPS · Retirement · Inflation · Goal · HRA · Prepayment · Credit card · CAGR.
16 default categories (Food, Rent, Transport, etc.) with colored progress bars and overspend alerts.
Auto-log rent, SIPs, subscriptions, salary. Forecast next month's cash flow with one click.
AES-256-GCM · PBKDF2 · 250k rounds · keys derived from your master password on your device, never uploaded. The cloud holds only ciphertext.
Encrypted JSON backup, plain CSV for spreadsheets. Own your data — move it anytime.
Client-side cryptography means the server literally cannot read your data. Not us. Not subpoenas. Not breaches.
Every sensitive field — balances, account numbers, transaction notes — is encrypted on your device with a key only you hold.
Your master password runs through 250,000 rounds of PBKDF2-SHA-256. Brute-forcing a 12-char password would take centuries.
Sign in from phone, laptop or tablet — we pull your encrypted vault and decrypt it locally on each device. Ciphertext is all that ever leaves your hands.
TOTP (Google Authenticator / Authy), email OTP, or WebAuthn/passkeys — pick what suits you.
DPDP 2023 compliant. Cloud backups (opt-in) stay in India. No cross-border transfers.
We use only open-source, battle-tested Web Crypto APIs. Algorithms documented publicly so anyone can verify the implementation.
Choose a strong master password. We derive your encryption key locally — never transmitted.
Import a CSV from your broker, or add holdings manually. 20+ Indian asset types supported.
Define targets for retirement, a house, a car. We back-calculate the SIP you need.
Review dashboards, run calculators, export backups. Zero-knowledge encryption follows you across every device you log in from.
★★★★★ 4.9 / 5 average · Leave a review →
"Finally — a tracker that doesn't ask for my bank password. The zero-knowledge angle sold me. Exported a full CSV in one click."
"The tax calculator got my FY 2026-27 numbers right down to the cess. Saved me ₹18K vs my CA's draft by flagging an 80CCD(1B) slot."
"I've tried every tracker on the App Store. This is the first where 'privacy' isn't marketing — the crypto is real, the source is auditable."
"Broker CSV import worked with my Zerodha + Groww statements on first try. My entire portfolio showed up in 2 minutes."
"Family plan for ₹899 is unbeatable. My parents and I share goals but keep separate vaults. Even my CA has a read-only link."
"Health Score flagged my emergency fund was only 2.4 months of expenses. Built it up to 7 months in a year — directly because of that nudge."
Premium unlocks the tools that compound — automation, imports, and insights that save hours each month.
Every rent, SIP, subscription auto-posts on the due date. Forecast next month's cash flow with one click.
Upload statements from Zerodha, Groww, AngelOne, Upstox, ICICI Direct, INDmoney, CDSL — we map the columns for you.
Emergency fund · insurance coverage · debt ratio · savings rate · diversification · net-worth trend — one number, six breakdowns.
Quarterly reports for your CA. Printable dashboards. Full-fidelity Excel workbooks with all your transactions, assets, goals.
Send a scope-limited link to your CA, spouse, or financial advisor. They see what you pick — nothing more. Revoke anytime.
support@moneytrak.in — our only official channel. Real humans reply within 24–48 hours, including weekends and public holidays. No chatbots, no phone trees.
Full-featured free tier. Pro unlocks advanced insights & family mode.
All plans are one-click cancellable. No auto-renewal. Prices excluding GST — added at checkout. If unpaid, data is removed 90 days after expiry (we email a reminder on day 60). See full feature matrix →
No. Moneytrak is a personal finance tracking tool, not a SEBI-registered investment adviser, broker, or distributor. We do not provide investment advice. All calculators and tools are for your personal planning only. Please consult a SEBI-registered investment adviser before acting on any number you see in this app.
No. Every sensitive value is encrypted on your device with a key derived from your master password. We receive only opaque ciphertext. If you lose your password, your vault cannot be recovered — even by us.
Never. You can import CSV statements or enter data manually. We never request your bank/broker credentials, API keys, or OAuth tokens.
When you set up your vault we generate 10 single-use recovery codes. Store them somewhere safe (password manager, printed copy). Any one of them resets your master password. If you've lost those too, the vault cannot be recovered — not even by us. That's the whole point of zero-knowledge.
Encrypted blobs are stored in our cloud — India-only data residency, DPDP 2023 compliant. You sign in with your email + master password from any device — we push the ciphertext down and your browser decrypts it locally. The device itself holds only a short-lived session marker.
Email support@moneytrak.in — this is our only official channel. We respond within 24–48 hours, including weekends and public holidays.
Yes — 30-day no-questions-asked refund on Premium and Family plans. Write to support@moneytrak.in. Refund hits your source card / UPI in 5–7 business days.
No Google Analytics, no Meta pixels, no ad networks. We use privacy-preserving server logs only (retained 30 days).
Any modern browser — desktop (Chrome, Firefox, Edge, Safari, Brave), iPhone (Safari), Android (Chrome). We're a PWA, so you can "Add to Home Screen" on any phone and it behaves like a native app with offline support.
Yes — once signed in, the vault is cached on-device. You can add transactions, view dashboards, and run calculators offline. Changes sync back to the cloud when you're online again.
Yes — we accept CSV exports from all major Indian trackers and brokers. Go to Wealth → Import tab and drop in your file. We auto-map the columns.
Family lets up to 5 people have their own private, encrypted vaults while sharing a combined net-worth dashboard, joint goals, and a single family tax optimiser. Each person's raw transactions stay private — only the summary rolls up. Perfect for spouses, parent-child, or siblings.
Create your encrypted vault in under 60 seconds. Free forever.
🔐 Create Free VaultBy signing up you agree to our Terms and Privacy Policy.