money
Built on the spreadsheet you already keep
Stop maintaining the sheet.
Keep the answers.
money reads the workbook your household has been keeping, checks it against your own totals, and then takes over the upkeep. Drop in the statement your bank emails you and the rows arrive filed under the labels you already use. Fund and share prices refresh themselves. What you get back is a budget, a net worth, the loans still being drawn, and the year you could stop working.
- Free to use
- Nothing is written until you say so
- No bank or broker credentials, ever
Household
Four answers a spreadsheet has, and will not give you.
Every one of them is arithmetic over your own numbers, with the working shown. None of them is advice — money will not name an instrument or use the word "should".
What the household is worth
One figure, and five kinds of thing under it — property, market holdings, retirement accounts, deposits and cash. It says what it excludes and why rather than rounding the awkward parts away.
Debt with an end date
Every loan, what it costs this month, and what it will cost once the flats still being built are fully drawn. The last payment has a date on it instead of being somewhere in the future.
Whether the goals fit
Income, then tax, then what the house spends, then what it puts away — and the one figure at the bottom that moves when any of those do. A plan you can argue about at the table.
The year you could stop
Not a slider on somebody's calculator. A year, with the whole calculation under it, and a list of the dated things that push it — each with the months it costs or saves.
Reading the spreadsheet was one problem. Keeping it was the other.
A workbook that is right in April is wrong by June unless somebody sits down with it. That somebody is the part money takes over.
Rows file themselves
Drop in the statement your bank already emails you. Every row is matched against the ones you have labelled before — including the things no general model would guess, like which UPI handle is the maid, or that Eating Out : Nuclear means the four of you.
What it recognises is filed. What it does not is left uncategorised and visible, because a wrong label with a number beside it is worse than an honest gap.
Prices keep themselves
Mutual fund holdings are valued against AMFI's daily NAV file, fetched once a day without being asked. Nothing to paste, nothing to remember on the first of the month.
Where no price exists, a holding is carried at cost and says so on the card rather than quietly pretending to be current.
Arithmetic stops being yours
Add a transaction, correct a figure, rename a bucket — and every total that depends on it moves, this year and every year. No formula to drag down a column, and no column that somebody forgot to drag.
Every figure opens the calculation behind it, and every operand in that calculation is a link down to the row it came from.
Nobody has a tidy file. You do not need one.
There are three equal ways in — bring a workbook, drop a bank statement, or start with nothing at all — and none of them asks you to finish tidying first. What follows is the workbook route, which is the longest of the three.
Bring what you have
.xlsx, .xlsm, .xls, .csv, or a link to a Google Sheet — no credentials, read once, never written to. Half a workbook is fine.
Check the guesses
Each tab gets a guess and a confidence you can read. A ledger is certain; a demand schedule says please check. Every guess is a dropdown.
Read the reconciliation
Year by year against your own summary tabs, before a single row is written. What does not agree is shown, not smoothed.
Fill the gaps later
Say yes and you are in — or undo the whole import for thirty days. What was missing gets added by hand, one row at a time, whenever you get to it.
₹3,42,18,600
Assets less what is owed on them
₹49,60,600
Across three loans, one fully drawn
What it is made of
| Holding | Kind | Whose | Value |
|---|---|---|---|
| Flat — Kondapur | Property | Joint | ₹1,85,00,000 |
| Equity mutual funds | Market | Anita | ₹1,18,42,300 |
| EPF & PPF | Retirement | Both | ₹64,20,900 |
| Savings & sweep | Cash | Joint | ₹12,41,700 |
| Sukanya deposit | Fixed | Meera | ₹11,74,300 |
| SBI home loan | Liability | Joint | −₹49,60,600 |
Income, tax, spending, goals — and what is left
| Line | Whose | Planned | So far |
|---|---|---|---|
| Salary and rent | Both | ₹28,40,000 | ₹11,84,600 |
| Income tax new regime | Vikram | ₹3,71,200 | ₹1,54,700 |
| Income tax old regime | Anita | ₹2,21,200 | ₹92,200 |
| Living | Household | ₹12,58,000 | ₹5,31,400 |
| Goals and SIPs | Household | ₹8,80,000 | ₹3,66,700 |
| Left over | ₹1,09,600 | ₹39,600 |
Two earners, two regimes: which one somebody files under is a fact about the person, so the switch sits beside them rather than on the household.
| Date | From | To | Note | Amount |
|---|---|---|---|---|
| 04 Aug | Salary | HDFC · 4412 | August, after TDS | ₹2,14,880 |
| 05 Aug | HDFC · 4412 | SBI home loan | EMI 71 of 240 | ₹84,320 |
| 05 Aug | HDFC · 4412 | Parag Parikh Flexi | SIP | ₹40,000 |
| 09 Aug | HDFC · 4412 | Household | Groceries — from your labels | ₹8,640 |
| 11 Aug | ICICI · 9083 | Builder — Tower C | to review | ₹6,20,000 |
| 14 Aug | Rent — Kondapur | ICICI · 9083 | Received | ₹32,000 |
₹1,18,42,300
Nine schemes, valued against AMFI's NAV file for 28 Aug 2026.
₹1,96,74,300
Property and deposits, which have no daily price. The card says so rather than pretending otherwise.
Nine schemes
| Scheme | Units | NAV | Value |
|---|---|---|---|
| Parag Parikh Flexi Cap | 18,402.55 | 92.41 | ₹17,00,780 |
| UTI Nifty 50 Index | 42,118.09 | 168.02 | ₹70,76,676 |
| SBI Small Cap | 6,240.11 | 204.86 | ₹12,78,352 |
| Loan | Rate | Drawn | EMI now | When drawn |
|---|---|---|---|---|
| SBI — Kondapur | 8.45% | Full | ₹84,320 | ₹84,320 |
| HDFC — Tower C | 8.70% | 62% drawn | ₹0 | ₹41,180 |
| Axis — plot, Shankarpally | 9.15% | Sanctioned | ₹0 | ₹17,100 |
2041
The year the household's assets cover its own spending for good. Every figure below moves it, and each says by how much.
What pushes the date
| Thing | When | Effect |
|---|---|---|
| Tower C possession, and the rent it starts earning | Mar 2029 | −14 months |
| Meera's undergraduate fees | 2035–2039 | +9 months |
| SBI loan closes | Jul 2042 | −4 months |
Everything the workbook held, arranged the way you ask about it.
Net worth
The front door. One figure, and the five kinds of thing that feed it — with what it leaves out named rather than rounded away.
Budget
Income through tax to what is left, with the editable plan behind it and a tax ladder under that — per earner, on the regime that earner actually files under.
Transactions
The ledger, newest first, both ends of every row named. Add one by hand in the same form that edits one — there is no second edit screen in this app.
Assets
Property, market holdings, retirement accounts, deposits and cash. Funds priced daily from AMFI; anything without a price is carried at cost and says so.
Liabilities
The EMI today and the larger one once every flat is fully drawn. Demands, part payments, and whose loan it is — a share follows the person it belongs to.
FIRE
A year, and the whole arithmetic under it. The dated things that move it are listed with the months each one costs or saves.
You were doing the arithmetic in the sheet. Keep doing it here.
Type an expression into any box that takes a figure — a builder's demand, a term in months, a rate. Arithmetic, powers, parentheses and SUM(), worked out exactly in decimal and never through a float.
The grouping money prints a figure with is grouping it reads back, which is one place it is deliberately kinder than a spreadsheet: a comma inside a number is a separator only where a function is being called.
It reports the gap. It does not close it.
Any importer can make the numbers agree by writing a row nobody entered. money puts your figure, the bank's figure and the difference on one line, and leaves the difference standing until you decide what it was.
- Every year checked against your own summary tabs, before anything is written.
- A difference is neither a loss nor a gain, so it gets its own colour and keeps it.
- What the statement says is recorded beside the derived balance, and never adjusts it.
Three cheques cleared in April that the sheet dated in March. money will not guess which — it shows you the rows either side of the boundary and you decide.
The third colour a budgeting app has nowhere to put.
Green for money arriving, red for money leaving — and amber for a demand due in fourteen months, a figure nobody has reconciled, a balance last checked in March. None of those is a loss. None of them is fine, either.
It is the colour a household with an under-construction flat needs most, and the one a generic budgeting app does not have.
It is a household's money. It is treated like one.
Nothing sold, nothing trained on
Your ledger stays in your household. It is never shown to another, never sold, and never used to train anything. This page is the only one in the app open to a crawler; every screen past it is closed to one.
No credentials, ever
money asks for no bank or broker login. It reads the files that already arrive in your inbox and a Google Sheet you choose to paste a link to — read once, never written to.
Only who you invite
Write an address against somebody on the family list and signing in with it is joining — there is no accept button. Clear the address and the invitation is withdrawn, link and all.
Learned from you, not from everyone
New rows are matched against the labels your household has used. The answer to what a merchant is lives in your history and in nobody else's, so that is where it is looked up first.
One way out, and it is yours
Undo an import whole for thirty days. Delete the household for good from Settings — the owner's alone, no undo, and confirmed by typing the household's own name rather than clicking through a dialog.
An assistant sees what you see
Connect your own AI and it signs in as you — there is no key to paste and none to leak, no copy of your figures anywhere else, and your role in the household is a limit no permission can lift. Reading is the default and you can take any of it back. How that works.
Already talking to Claude? Ask it what you spent.
money speaks the Model Context Protocol, so the assistant you already pay for can read your ledger, your budget, what you own and owe, and the year you could stop working — from whatever window you were already in.
https://money.rasoi.io/mcp
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Nothing to paste but that
No API key, no token, no client id to invent — so there is nothing to leak, and nothing to rotate if it ever leaked anyway. Your assistant works the rest out on its own, and you sign in with the same Google account you use here.
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Reading first. Changing only if you tick it
Seeing the figures is what you approve by default. Adding a transaction, filing one under a category, editing a budget line — each is a separate box, unticked, on one screen you read before anything is connected. Anything that deletes describes what it would delete and waits for a second yes.
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Your role in the household is the ceiling
If you read the household's figures rather than changing them, so does anything you connect — whatever it asked for, and whatever you ticked. And no connection, at any permission, can invite anybody, change what somebody's role allows, delete the household, or undo an import.
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Your model, your subscription
The thinking happens on the plan you already have. money holds the figures and the rules and bills you for nothing — it is free either way.
Every one of those calls is written down under your account, refusals included — which assistant, what it asked for, and what changed. Settings has the list, and a Revoke beside each one.
Six ways in, and two of them are one click.
- Claudeweb, desktop and phone
- ChatGPTcustom connector
- Cursorinstalls in one click
- VS Codeinstalls in one click
- Claude Codeone command
- Gemini CLIone command
Step-by-step for each is on the connect page, which needs no account to read — it is written for somebody still deciding whether any of this is worth five minutes.
Seven palettes, both lightnesses, and it follows you.
The colour is on your account rather than on this browser, so the app looks the same on the laptop and the phone. Light, dark, or match the device — and on this page too, because it is drawn from the app's own stylesheets rather than a copy of them.
Try one. It is the real setting, on this page, in this browser — the same thing the app writes when you pick one in Settings.
A palette here is the neutrals and the accent, and nothing else. The three colours that carry a meaning — money arriving, money leaving, money committed but not yet gone — are the same in all seven and change on lightness alone.
Split it the other way and every new palette owes you a new set of chips, and a red figure stops meaning anything.
Before you hand over a spreadsheet.
Do I need a spreadsheet to start?
No. There are three equal ways in: bring a workbook, drop a bank statement, or start empty and add an account and a transaction by hand. A household that has never kept a spreadsheet gets the same app as one that has kept one for ten years.
My sheet is a mess. Does that matter?
Less than you would think, because nothing has to be perfect before it is useful. money guesses what each tab is and what each column means, shows a real example value beside every guess, and makes every guess a dropdown. Tabs it cannot place are marked rather than dropped, and what it could not read is on screen instead of being quietly skipped.
What happens if my numbers do not add up?
You see the gap. money reconciles every year against your own summary tabs and reports the difference rather than closing it. There are no invented rows and no silent adjustment: the difference gets its own colour and stays on screen until you decide what it was.
Do I have to keep typing everything in?
No, and that is most of the point. Drop in the statement your bank already emails you and the rows arrive matched against the labels you have used before, so the ones it recognises are already filed and only the genuinely new ones need you. Mutual fund prices refresh themselves from AMFI's daily file, and share prices from the market's close. Nothing is guessed at with a number beside it: a row it is not sure about stays uncategorised and visible.
What about a loan on a flat that is not built yet?
That is what the Liabilities screen was built around. The loan is drawn against the builder's demands, so money holds two figures at once: the EMI leaving your account this month, and the one that arrives once every demand has been paid. The next demand and its date sit beside them.
Can I use money from Claude, ChatGPT or Cursor?
Yes — money answers at https://money.rasoi.io/mcp, so Claude, ChatGPT, Cursor, VS Code, Claude Code and the Gemini CLI can all read your household's figures from wherever you already are. There is no API key: you give your assistant that one address, sign in with the same Google account, and tick what it may do. Reading is the default; adding or changing anything is a separate yes you can take back later, and your role in the household is a limit no permission can lift. Your model and your subscription do the thinking; money only holds the figures. Setup for each assistant is on the connect page.
Can I undo an import, or delete everything?
Both. Nothing is written until you say so, and an import can be undone whole for thirty days from Settings. Deleting the household is the owner's alone, has no undo, and asks you to type the household's own name first.
Open the workbook one last time.
Then hand it over. What comes back is what your household is worth, what it owes, and roughly when it can stop.