🇮🇳 Built for India

India's Best Personal Finance App

India's best personal finance app — expense tracker, mutual fund portfolio, bank statement analyser, SIP calculator, and stock portfolio tracker. Everything in one place — core features free, advanced tools coming soon.

Start for Free → Sign In
✅ ₹12,400 saved this month!
Total Balance
₹1,84,230 ↑ +8.4%
Oct Nov Dec Jan Feb Mar
🍽️
Zomato Order
Food · Today
−₹340
💼
Salary Credited
Income · 1 Mar
+₹85,000
🚗
Ola Cab
Transport · Yesterday
−₹280
Features

Best Personal Finance App in India

Expense tracker + bank statement analyser + SIP calculator + stock portfolio tracker — all in one place.

💳

Daily Expense Tracker

Log every daily expense in seconds — UPI, Cash, Debit Card, Credit Card, Net Banking. Complete transaction list with smart search and filters.

📊

Visual Dashboard

Real-time visual dashboard with spending charts, category breakdowns, and month-over-month trends. Know where every rupee goes.

📈

Mutual Fund Portfolio Tracker

Track all your mutual fund investments — SIP, lumpsum, ELSS, index funds. Live NAV from AMFI. Best mutual fund app experience, free.

🏦

Bank Statement Analyser

Upload HDFC, SBI, ICICI, Axis, Kotak bank statement CSV. Our bank statement analyser auto-detects and categorises every transaction instantly.

Try free →
🧮

SIP Calculator India

Calculate SIP returns for any amount and duration. Supports Bank of India SIP calculator, SBI SIP, Nippon India SIP, and all fund houses.

📉

Stock Portfolio Tracker

Track NSE, BSE stocks alongside mutual funds and crypto. Live prices, P&L, allocation charts. Best stock portfolio tracker india — free.

🎯

Monthly Budget Planner

Set monthly budgets per category. Track spending against limits. The simplest monthly budget planner india — works the way your brain does.

📤

Reports & Bank Statement Export

Download CSV reports for any date range. Perfect for tax filing, CA submissions, and small business expense tracking.

🧾

Tax Saving Tracker

Track ELSS tax saving, PPF, NPS, health insurance under 80C, 80D, 80CCD. Know exactly how to save tax — works for both old and new tax regime.

Track now →
🔒 Bank-Grade Security

Your bank statement is yours alone.
Not ours. Not anyone's.

People ask us: "Is it safe to upload my bank statement?" Here is exactly how we protect every transaction you add — manually or via import.

1
You type the description
"SWIGGY ORDER 9123456 MUMBAI"
2
AES-256 encryption runs instantly
U2FsdGVkX1+mK9vXzR4qP8nH3Lw...
3
Only ciphertext reaches the database
description: U2FsdGVkX1+mK9vXzR4...
amount: 340.00 ✓ visible
category: Food ✓ visible
4
Only you see it decrypted
"SWIGGY ORDER 9123456 MUMBAI" ← shown only in your session
🏦
Designed for bank statements
People worry about uploading their HDFC, SBI, ICICI bank statement CSV because it contains every transaction detail. We encrypt every narration and description the moment it enters our system. The file is never stored — it is parsed in memory and discarded.
🔑
One key per account
Your account has its own unique AES-256 encryption key that is never shared. Even if someone accessed another user's data, they cannot read yours. Every key is generated using cryptographically secure random bytes at account creation.
🔍
Breach means nothing
If our database were ever compromised — by a hacker, a server breach, or anything else — the attacker would see only encrypted ciphertext for every transaction description. There is nothing readable to steal.
👁️
We cannot read your narrations
Our team cannot open your database and read "IRCTC ticket to Delhi" or "Salary from Infosys". The description column contains only ciphertext. Your amounts and categories are visible for reports, but your narrations are not.
What we encrypt vs what stays visible
🔒 Encrypted at rest
✓
Transaction description
e.g. "SWIGGY ORDER" or UPI narration
✓
Note field
Any note you add to a transaction
📊 Visible (needed for reports)
○
Amount
Required for budgets, charts, SUM calculations
○
Category
Required for category breakdown reports
○
Date
Required for monthly/yearly filters
○
Type (income/expense)
Required for P&L calculations

Plain-language commitment: We encrypt your transaction descriptions before they reach our database. A database dump — even one obtained by a hacker — contains only unreadable ciphertext for your sensitive fields. Your amount, category, and date remain unencrypted because they're needed to calculate your budgets and reports. We do not sell your data. We do not show ads. RozHisab earns nothing from your financial data.

📄 Full Privacy Policy 📋 Terms of Service
Free Tax Saving Tracker

Save up to ₹78,000 in tax
every financial year

Track 80C (ELSS, PPF, LIC), 80D (health insurance), NPS, home loan interest, and all deductions in one place. Know exactly how to save tax — in both old and new tax regime.

💼
80C limit tracker
Track ELSS tax saving, PPF, LIC, NPS — ₹1.5L limit with live progress bar
🏥
80D health insurance
Track health insurance premiums for self and parents — up to ₹75,000 deduction
🏛️
NPS 80CCD(1B)
Extra ₹50,000 deduction on NPS over and above 80C — one of the best tax saving tools
📊
Auto-detect from transactions
Scans your bank transactions for ELSS SIPs, LIC premiums, health insurance — suggests adding them
FY 2024–25 Tax Saving Progress
Section 80C ELSS + PPF + LIC
₹1,10,000 / ₹1,50,000
Section 80D Health Insurance
₹25,000 / ₹50,000
Section 80CCD(1B) NPS Contribution
₹30,000 / ₹50,000
Section 24(b) Home Loan Interest
₹1,50,000 / ₹2,00,000
Estimated tax saved so far
₹52,200
Potential remaining
₹25,800
🧾 Start Tracking Tax Savings →

Free to track · All deduction sections · FY 2024–25

Pricing

Start free — upgrade when you need more

Free
₹0 /forever
  • 100 manual transactions
  • 3 bank statement imports
  • Budgets & goals tracker
  • Basic SIP calculator
  • Export current month data
  • Community access
Start for Free →
No credit card required
MOST POPULAR
Premium
₹99 /month
or ₹599/year · Save ₹589/year
  • ✓ Unlimited transactions
  • ✓ Unlimited bank imports
  • ✓ Export all data (CSV/PDF)
  • ✓ Tax saving tracker
  • ✓ Net worth dashboard
  • ✓ Portfolio analytics
  • ✓ Expense forecasting
View Premium →
Cancel anytime
See detailed comparison →
FAQ

Common Questions

Everything you need to know about RozHisab — India's best personal expense tracker app.

What is the best personal finance app in India? +
Is RozHisab the best mutual fund app in India? +
How does the bank statement analyser work? +
Can I use RozHisab as a monthly budget planner? +
Does RozHisab have a SIP calculator for all banks? +
How to save money from salary every month? +
How to save tax in the new tax regime? +
What is the best ELSS tax saving fund in India? +
How to save tax in new tax regime 2024-25? +
Which is the best ELSS tax saving fund? +
What is the savings account transaction limit without tax? +
Can I track stocks and mutual funds together? +
Is RozHisab better than Groww or Zerodha for expense tracking? +