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Automatic capture
Bank SMS on Android, a Shortcut on iPhone, or bank emails forwarded to your own address. Each becomes an entry you confirm in one tap. The message text is never stored.
मणि-निधि · A treasure of jewels
Every paisa, accounted for.
Monidhi is a private finance journal that works across web and mobile. It reads your bank SMS and emails so you don't have to, files them by category, and shows you exactly where your money lives.
Built for the way you actually spend
Quiet tools for loud months.
Monidhi does the bookkeeping so you can focus on the spending — or the saving.
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Merchant rules & duplicates
Teach Monidhi that a UPI ID is your corner shop and it files it there every time. When one payment arrives by SMS and by email, the copy is flagged, not counted twice.
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Recurring & EMIs
Rent, subscriptions and SIPs, reminded the morning before. Loan EMIs and card bills schedule themselves, and a card purchase on EMI shows its interest, fee and GST.
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Balances & forecast
Group accounts into balances like "Ready to spend", and see what you'll have left before payday after bills, EMIs and your usual spending.
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Lend & Borrow
Money you lent a friend or borrowed from family, person by person, with a due date and a reminder. It stays out of your income and spending.
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Goals & budgets
Set a monthly limit per category and see whether you're on pace, with an alert when one runs over. Give each goal a target and a date.
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Trips & currencies
Budget a trip, spend in baht or yen from a forex card or cash, and see the whole journey in rupees.
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Investments
Mutual funds, stocks, FDs, PPF, EPF, gold and crypto, valued for you each day, with what you invested kept apart from what it's worth.
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Assets
Your home, your car, the family gold — valued by you or estimated for you, and counted in your net worth.
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Insights
Income against spend month by month, where it went by category, your top merchants, and a CSV of any range — without dashboards that demand a PhD.
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Private by default
Synced across web and mobile under your account. Only the parsed fields of a bank message are kept, and we never sell your data.
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Reflect
About to buy something big? Reflect runs the number against your net worth, savings rate, EMI options, goals and what you'll have left before payday — before you tap pay.
Inside the app
A finance journal, not a dashboard.
Real screens, real numbers, real rhythm — pulled straight from Monidhi on desktop and on your phone.
Income vs spend
A clear story, month by month
Year view
Categories · November
Where it went
6 categories
On your phone
Mornings, ten seconds
Goals
Quiet, patient progress
4 active
Recurring · due soon
What's due
4 to confirm
New · Automatic capture
Bank messages, filed for you.
Every card swipe and UPI payment already sends you an SMS or an email. Monidhi reads them, names the merchant, picks the category and waits for your one-tap confirm. The message text itself is never kept.
- Three ways inAndroid picks up bank SMS by itself, an iPhone uses a Shortcut, and bank emails go to your own forwarding address. Only bank-looking messages leave your phone, never one-time passwords.
- Rules that learn your shopsA UPI ID becomes the shop's name and lands in the right category, every time it comes back.
- Copies caughtWhen the SMS and the email for one payment both arrive, Monidhi flags the pair and lets you keep one.
New · Balances & forecast
Know what's left before payday.
Group your money the way you think about it, and see what you'll have on the day before your salary lands.
Balances your way
Liquid cash, ready to spend, home equity: pick the accounts, cards and loans behind each figure, and pin the ones you check most.
Up to payday
Bills, EMIs, card bills and your usual daily spending come off what's in your accounts, up to the day before your salary lands.
Keep a minimum
Set the least you want left, and see how much you can spend each day and still keep it.
New · Lend & Borrow
Money between friends, kept straight.
The deposit a friend still owes, the concert tickets your sister covered. Note who gave what, and Monidhi keeps the running balance with each person. Add their email to invite them, and once they join you'll see the name they use.
- Who owes whomMoney you lent and money you borrowed, person by person, with what's owed to you and what you owe at a glance.
- Due dates, rememberedGive a balance a date and Monidhi reminds you the day before and on the day.
- Not your spendingThese entries move your accounts but never count as income or spending. Money you won't see again can be marked as not expected back.
Trips
Journeys, accounted for.
Plan what a trip will cost, pay in any currency, and see what it really came to in rupees.
Plan before you go
Set a budget and add the bookings you know are coming. Paid and still-to-pay add up against it as the trip happens.
Spend in any currency
Pay from a wallet of baht or a forex card. Each spend is priced at the trip's rate, with your card's markup until the bank's figure arrives.
One total, in rupees
Flights booked weeks ago, card swipes and street-food cash all land on the same trip, split by category.
Investments
Investments, at what they're worth.
Mutual funds, stocks, PPF, EPF and gold sit next to your bank accounts, valued for you each day or by hand. Monidhi keeps what you put in apart from what it's worth today, so your returns are always one glance away.
- Invested vs worthSIPs and top-ups count as money put in, kept apart from what the holding is worth, so the return is always there.
- Valued every day, no broker loginFunds take the day's NAV from AMFI, shares and crypto their market price, FDs and PPF their interest. Each automatic value shows how confident it is, and a figure you type for the day is kept over it.
- A history of every valueEach value is kept, automatic or typed, so you can see how a fund moved month to month.
Assets
The things you own, counted.
Your flat, your car, the family gold. Give each one a value, or let Monidhi estimate it, and it's folded into your net worth with a record of how that value changed.
- Homes, land, cars, jewelleryAnything you own that's worth counting, each with the date of its last value.
- Bought for vs worth nowRecord what you paid and let Monidhi estimate the rest: a car by the insurer's depreciation table, jewellery by weight at today's gold rate, a flat at the yearly growth you expect. Type a better figure whenever you have one. Gains show — and so does what the car has lost.
- Kept out of your spendingA new value changes your net worth, never this month's spending.
Vichāra · विचार
The pause before the purchase.
Type an amount. Monidhi tells you exactly what it costs — in net worth, in savings rate, and in months of goals you'd push back.
Why we built this
Money should be a private conversation.
The apps we tried wanted to know everything — every account, every login, every habit. Monidhi works the opposite way. It reads your bank messages, keeps only what it needs to file them, and never sells what it knows.
"The only finance app that actually shows me how every recurring bill and casual swipe nudges my net worth — month after month."
Ross · Kochi · Beta tester
3-minute setup · No card required
Start your kosh.
A treasure-keeper for your money — and yours alone.