Send "450 swiggy food" to our Telegram bot — it lands in your dashboard instantly. No app, no login, no hassle.
No credit card · No app download · Works on any phone
Message on Telegram → expense saved → visible in your dashboard in under a second
₹0
To get started
6+
Expense categories
100pt
Health score system
4
UPI payment modes
Features
Built specifically for Indian spending habits — EMIs, UPI, and all the real-world complexity.
A 0–100 score based on savings rate, budget discipline, EMI load, and consistency. Know exactly where you stand.
Tag every expense — PhonePe, GPay, Bank Transfer, or Cash. See which payment method drains you most.
Add your loans and see real disposable income after obligations. Stop miscalculating what you can actually spend.
Automatically split spending into Needs, Wants, and Savings. See how close you are to the ideal ratio.
Set monthly limits per category. Get instant visibility when you are overspending in any area.
Based on your daily rate, TrackPenny predicts your total spend before the month ends.
How it works
01
Sign up with email in under 30 seconds. No credit card required.
02
Add expenses with category, amount, date, and UPI payment method.
03
See your health score, savings trend, and exactly where your money goes.
Pricing
Core tracking is free forever. Upgrade for deep analytics.
Free
₹0
Forever, no card needed
✓ Unlimited expense logging
✓ Category breakdown
✓ Month & year filters
✓ UPI / Cash / Bank tagging
✓ Add · edit · delete
Premium
₹49
one-time · pay once · unlock forever
✓ Everything in Free
✓ Financial Health Score
✓ 50/30/20 rule tracker
✓ EMI tracker & analysis
✓ Category budget alerts
✓ Month-end forecast
FAQ
Yes. Expense tracking, monthly reports, and category breakdown are completely free forever. Premium analytics are a one-time payment of ₹49 — pay once, unlock forever.
All data is encrypted and stored securely. We use HttpOnly cookies and never expose your session tokens. We never sell your data.
Yes. Tag each expense with PhonePe, GPay, Bank Transfer, or Cash — so you see exactly which method you overspend on.
Yes. The premium EMI tracker lets you add all loans with months remaining. TrackPenny factors these into your disposable income and health score.
A 0–100 score from four components: savings rate (35pts), budget adherence (35pts), consistency (15pts), and EMI ratio (15pts) — based on the 50/30/20 rule and RBI lending guidelines.
Fully responsive. Works on any smartphone browser. No app download required.
Free to start. Takes 2 minutes. No app download needed.
Create free account →