March, the way it actually happened.
This is what Arthik hands you after reading one bank statement. The person is invented; the shape of the month is not. Every number opens to its working — try one.
March: you earned well, saved deliberately — and ₹9,840 of food delivery left without you noticing.
What came in
₹1,03,200
Salary on the 1st, plus one freelance credit mid-month.
What truly went out
₹64,350
Real spend. Your ₹15,000 SIP and ₹10,000 transfer to your own Kotak account are excluded — moving money to yourself isn't spending.
What was actually left
₹38,850
The real surplus — not your balance. ₹25,000 of it you moved to savings and SIP yourself. ₹13,850 just sat there.
A leak is spending you likely don’t realise the size of — many small transactions, not one big deliberate one. Rent and EMIs are obligations, never leaks.
Food delivery
₹9,84022 ordersSwiggy and Zomato, averaging ₹447 an order. No single order looked big.
ATM cash
₹6,0003 withdrawalsCash has no receipts. Once it's out, the statement can't follow it.
Subscriptions
₹2,6479 chargesTwo of these — a streaming service and a cloud plan — haven't been opened in months. You'd know; Rahul didn't.
14 of your 22 delivery orders landed Thursday or Friday night.
₹6,180 of the ₹9,840 — between 9pm and midnight, at the end of the work week. Not hunger. Exhaustion.
One pattern per month. Not a list — the one worth knowing.
₹53 of every ₹100 you spend is spoken for before the month begins.
- Rent₹22,000
- Bike loan EMI₹8,450
- SIP₹15,000
- Term insurance₹1,850
- Committed, total₹47,300
- Discretionary — yours to shape₹32,050
Halve the Thursday–Friday delivery habit.
Cook or pick up on two of those four nights. That's ≈₹3,090 back every month — ₹37,000 a year — without touching rent, the SIP, or the weekend.
One move, not five. Never a product, never a fund name — a category and a number you can act on.
Only March was uploaded, so there's nothing to compare against yet. Upload February and every number above gains a delta.
3 statement lines couldn't be read with confidence. They're listed in the app as unread — counted, never silently guessed.
In the app, the chat opens only after the report — pre-seeded with questions from your month, like these from Rahul’s:
- 01“Why did you exclude the two transfers to Kotak?”
- 02“Show me all 14 Thursday-night orders.”
- 03“What happens to the idle ₹13,850 if I do nothing?”
That was a scripted sample. Yours is computed.
Upload one bank statement and Arthik reads your month the same way — your numbers, your working, your questions.
Free. AES-256 encrypted. Delete your data whenever you like.