Mutual funds & SIPs
Live NAV every day. Each SIP instalment priced at its own date’s NAV, and a missed month is caught.
Live NAVBank accounts, cash, cards, bills and EMIs — and your mutual funds, stocks, crypto and gold — in one place. See what’s truly safe to spend, and what your investments really return.
No bank login · No card · Your data exports any time
Five screens you’ll use every week. Tap through them.
Banks, cash and credit cards together — cards shown as what you owe, never as money you have.
Add a spend in two taps, or let bank alerts fill it in. Each one lands in a category, refunds come off spending, and transfers between your own accounts are never counted twice.
Rent, utilities, card bills and loan EMIs in one list, with reminders that stop the moment you mark them paid.
A limit per category and a pace marker — where an even spender would be today — so overspending shows up mid-month, while you can still act.
The dark line is today’s pace: day 20 of 30.
Salary in, bills, EMIs, SIPs and your usual spending out — walked forward month by month, with the lowest point marked.
It still counts rent you haven’t paid, bills already due and money you meant to save. Follow the same ₹80,000 all the way through.
One number for everything in the account — including money that already belongs to somebody else.
For rent, an emergency fund, a trip goal. It never leaves your bank — it just stops being counted as spendable, so you don’t spend it twice.
The card statement, an EMI, electricity. Dated, known, and leaving within the month.
That is Safe to Spend — what is left once everything already promised is taken out. It is the figure your bank will never show you.
Filed under the month you earned it, not the day the transfer cleared.
Bills, card dues, your SIPs, and the day-to-day spending you typically do — estimated from your own median month, never an average.
Every line labelled actual, expected or estimated — so you know which parts are certain and which are an estimate.
Funds, stocks, crypto, gold and FDs in one portfolio — with what you put in, what it’s worth today, and the return that’s actually true.
Live NAV every day. Each SIP instalment priced at its own date’s NAV, and a missed month is caught.
Live NAVIndian and US shares with live prices, today’s move and your average cost.
Live priceLive prices in $ or ₹ — and how much of your rupee return is the coin and how much the rupee.
$ ⇄ ₹Coins and jewellery by weight and purity, at an approximate Indian rate. Gold funds come in with your CAS.
Per gramInterest accrues as the days pass, with the maturity date and value ahead.
Accrues daily10% over three months and 10% over three years are not the same. XIRR is your real yearly rate, counted from the day each rupee went in — shown once a holding is 30 days old, because a few days’ move annualised means nothing.
No typing every fund. Pick the statement you already get — it’s read on your phone and never uploaded.
A CAS from CAMS or KFintech covers every fund you hold, from any app. Brokers and Binance export yours in a click.
The file is opened on your device. Only fund, units, cost and dates are saved — never the file, your PAN or the password.
🔒 Read on your phoneSee every holding before anything saves. Your SIP history comes in dated, and importing again next month updates — never duplicates.
✓ Updates, never duplicatesMoney kept for a goal stops counting as spendable — without moving a rupee.
Income minus spending each month — investing counts as saved, not spent.
EMIs with interest left, and money you’ve lent or borrowed from friends.
A watchlist, trending funds, a SIP calculator and three cited stories a day.
All figures on this page are sample data.
It reads your ledger, not the internet. What you spent, your balances, your next EMI, how your investments are doing — answered exactly from your own data.
Facts come straight from your data, to the rupee; a figure it can’t match is flagged. Investment guidance is general, not SEBI-registered advice.
Food is the whole of this month’s increase — ₹15,200, up 31%.
| Food & dining | ₹15,200 | +31% |
| Transport | ₹8,200 | −4% |
| Groceries | ₹4,500 | −13% |
Cutting delivery to twice a week saves about ₹3,500 a month.
Illustrative conversation.
No net-banking details, no card numbers, and no way to move money.
Statements are read on your device. The file, your PAN and passwords are never uploaded.
Lakhs and crores, IST month ends, 30 banks by name, salary filed under the month you earned it.
Export transactions and your portfolio to CSV or Excel, any time.
Gmail bank-alert import Beta · invite only · Android app with bank SMS In testing
Calculators that use the same maths as the app, and step-by-step guides to bring your investments in. No sign-up.
What a monthly SIP grows to
Open calculator →Loan EMI, interest and payoff
Open calculator →Maturity the way banks count it
Open calculator →The real annual return of a SIP
Open calculator →How much to save each month
Open calculator →Every mutual fund in one PDF
Read the guide →Which file to download, per app
Read the guide →Your bank and cash balance, minus the bills, EMIs, card dues and SIPs due in the next 30 days, minus what you’ve set aside — reserves and goal money. Every part is listed on the screen.
Yes. Import a CAMS/KFintech CAS PDF for mutual funds (with every SIP instalment), a Groww or Zerodha holdings sheet for funds and shares, or your Binance history for crypto. The file is read on your phone and never uploaded; importing again updates, never duplicates.
No, and you can’t — Spendly never asks for net-banking details and can’t move money. Reading your bank’s alert emails (Gmail, read-only) is an invite-only beta; everything else works without it.
Nowhere, unless you choose. It stays in your bank marked for the goal, so your balance still matches the bank. You can also move it to another account or link an investment.
Yes — free while we build it. No card, and no trial that runs out.
An Android app is in testing, not yet on Google Play, and there is no iOS app. Spendly runs in any mobile browser and installs to your home screen.
Stocks from Yahoo Finance, fund NAVs from MFAPI, crypto from CoinGecko, and gold at an approximate Indian rate (IBJA-matched, before GST and making charges). The daily briefing is written from Google Search results, and a story without real sources is dropped.
Add one account, or import your investments. Free, and no card needed.
Works in any browser · installs to your home screen