Track every rupee: expenses, UPI and subscriptions in one place
Trove is a personal finance tracker built around how India pays. Record spending in ₹ by UPI, card, cash or bank transfer, see which subscriptions renew next, and know what is left this month. See the full list in features.
Free during testing, with no card. No bank login: you enter or import your own transactions. Read how we handle your data on the security and privacy pages, and what it costs on pricing.
Left this month
₹42,180
Income
₹1,20,000
Spent
₹52,820
Invested
₹25,000
How you paid
- UPI
- Credit card
- Cash
- Bank transfer
- Anything else you use
- Amounts in ₹
- ₹1,00,000 grouping
Adding a transaction
Say it once. Trove files it.
Tap the mic and say a payment the way you would tell a friend: the shop, the amount, how you paid and when. Trove reads it into a draft, suggests a category, and fills in the form for you to confirm. Voice entry works in Chrome, Edge and Safari, and uses your browser’s own speech recognition. Prefer typing? Drop a line, a receipt or a statement into the inbox and confirm what it finds.
- The merchant, amount, payment method and date are read from one spoken sentence
- A category is suggested from rules you can read, and you can change it
- UPI, card, cash and bank transfer stay separate in your reports
Rules and categories are explained in the categorisation guide. Tracking UPI in particular: UPI expense tracker.
Example with sample data. Saying “Zomato 450 upi yesterday” appears as text and is read as four parts: the merchant Zomato, the amount 450 rupees, the payment method UPI and the date, yesterday. The entry is filed under Food and added to the top of the ledger, and the sample balance goes from ₹42,300 to ₹41,850.
Add by voice
Sample dataLedger
Sample balance ₹41,850
- −₹450
Zomato
FoodUPIYesterday
- −₹240
Uber
TravelUPIMon
- −₹1,500
HPCL
Misc › FuelCredit cardSun
- −₹5,000
Zerodha SIP
InvestmentsBank transferFri
What you can do
One place for the money you spend and keep.
No spreadsheets to maintain and no bank login to hand over. The complete list is on the features page.
Every payment method, one ledger
UPI, credit card, cash or bank transfer, recorded on each transaction instead of guessed.
UPI tracking →Spending analytics
One, three, six or twelve months, or any two dates. Categories, merchants and trends.
Expense tracking →Subscription tracking
Repeating charges found in your own ledger every night, with the next renewal date.
Subscriptions →Budgets and goals
Per-category limits with rollover, and savings goals with a monthly pace.
All features →Net worth in lakh and crore
Assets, loans and income in one number, with the reason it moved each month.
Net worth →Exports you own
PDF, Excel and CSV over any date range, plus a full export and deletion in Settings.
Your data →Saving and compounding
See what a monthly habit becomes.
Saving ₹10,000 a month at a steady 12% a year for 20 years comes to about 98.93 lakh rupees, of which 24 lakh rupees is money you put in. Move the sliders to try your own numbers. The same arithmetic sits behind the goals and the net worth milestones in Trove.
Illustration
Example numbers- Saved each month
- ₹10,000
- Yearly return
- 12%
- For
- 20 years
After 20 years you would have
₹98,92,554
about 98.93 lakh rupees
₹24,00,000 saved by you plus ₹74,92,554 of compounding.
With compounding Savings only, no growth
An illustration of arithmetic, not a forecast or advice. It assumes a fixed return, a deposit at the end of every month, monthly compounding, and no tax, fees or inflation. Real returns vary from year to year and can be negative.
Made for India
Rupees, UPI and the way Indians actually pay.
How it works
From sign-up to a clear month in minutes.
01
Create an account
Email or Google, no card. You go straight to your dashboard.
02
Add or import
Type a transaction, or drop in a statement or spreadsheet from your bank. You confirm each row.
03
Let Trove sort it
Merchant rules suggest a category and read the payment method from the description.
04
Review and decide
Check the month, set a budget or a goal, and see what recurs.
Your data
Your money belongs to you. So does your data.
Trove is early and built by one person. The security page also lists what is not in place yet.
- No bank connection. Trove only sees what you enter or import.
- HTTPS everywhere, and row-level security on every table.
- Receipts stay in a private bucket, scoped to you.
- Never sold, never shared for advertising.
- Export everything, or delete your account, from Settings.
Pricing
Free while Trove is in testing.
Every feature, no tiers, no card. Paid plans may come later, and the pricing page will say so before anyone is charged.
Frequently asked
Questions, answered plainly.
- Is Trove free?
- Yes. While Trove is in early testing every feature is free, with no card on file and no tiers. Paid plans may come later. If they do, the pricing page will say so before anyone is charged. See pricing.
- Can I track UPI payments in Trove?
- Yes. Every transaction records how you paid: UPI, credit card, cash, bank transfer or something else. That keeps UPI spending separate from card and cash, and lets you see the split each month. You add UPI payments yourself or bring them in from a bank statement. Trove does not connect to UPI apps. More on tracking UPI.
- Can I import my HDFC, ICICI or SBI statement?
- You can drop a statement from any bank into Trove's inbox: a CSV or spreadsheet export works best, and a PDF can work where the reader supports it. Trove lists what it found as candidate transactions and saves nothing until you confirm them. The text of the file is read by a language model, so check amounts and dates. There is no importer tuned to each bank's layout, so no bank is guaranteed to read perfectly. How importing works.
- Does Trove connect to my bank account?
- No. There is no bank connection and Trove never asks for a bank login. Everything in it is something you typed or imported yourself. Read the security page.
- Is my financial data safe?
- Trove uses HTTPS everywhere and row-level security on every table, so one account's query can only return its own rows. It is also an early product built by one person: it has no two-factor sign-in yet and has not had a third-party security audit. Treat it as a clear view of your spending, not a system of record. Read the privacy policy.
- Can Trove track my subscriptions in rupees?
- Trove works in rupees by default. Repeating charges in your own transactions, such as a streaming plan or a cloud storage bill, are picked up nightly and listed with their renewal dates. Trove records subscriptions so you can see them; it does not cancel anything for you. More on tracking subscriptions.
- Can I see my net worth in lakh and crore?
- Yes. Net worth is what you own minus what you owe, and you can enter amounts the way you say them, such as "2 lakh in an FD" or "car for 12 lakh with a 4 lakh loan". Each entry is shown as a card for you to check before it is saved. How net worth works.
- Do you sell my data, and can I delete it?
- Your data is never sold or shared for advertising. Analytics on this website are off unless you accept them. From Settings you can export everything and permanently delete your account. Privacy policy.
Ready when you are
See where every rupee went this month.
Free during testing. No card, no bank login.