Your Complete Money Manager
Already have an account? Sign in
Total Income
Selected month
Total Dues
Credit + EMI
Net Balance
Income − Expenses
Months to Clear
At current net
Credit Limit
Card Usage
Available
Monthly EMI
Total Rupee
Trading P&L
Software
Total Income
| Date | Source | Description | Type | Amount | Actions |
|---|
Cash/UPI
Bank/Bills
Personal
Total Spent
| Date | Category | Description | Payment | Card | Amount | Actions |
|---|
| Date | Card | Merchant | Category | Type | Description | Amount | Actions |
|---|
| Card | Description | Total | Monthly EMI | Paid | Last Paid | Remaining | Balance | Actions |
|---|
I Borrowed
Outstanding
I Lent
To recover
Active Loans
Ongoing
Cleared
Completed
Total Income
Total Spent
Net Savings
Savings Rate
No income this month
No cash spending this month
No UPI spending this month
No bank transfer spending this month
No credit card spending this month
Add New Bank
| Bank Name | Type | Last 4 |
|---|
Add New UPI App
| App | UPI Handle |
|---|
TotalRupee is a personal finance management application built exclusively for Indian users. We understand that managing money in India is uniquely complex — multiple bank accounts, UPI payments, credit card cashbacks, EMIs, and various income streams all running simultaneously. TotalRupee was created to bring all of this under one roof.
To empower every Indian to take complete control of their financial life — simply, securely, and without any financial expertise required.
TotalRupee was born out of a real frustration: the best personal finance tools were built for Western markets and did not understand how Indians actually manage money. We set out to build something different — a tool that speaks the language of Indian finance, from UPI IDs to EMI schedules to credit card due dates.
Built around UPI, multiple banks, EMIs, and Rupee-based finance — not adapted from a Western app.
Your financial data belongs to you alone. We never sell, share, or monetise your data.
Fully responsive and installable as a PWA — use on your phone, tablet, or computer.
No bloat. Pages load instantly even on slower mobile connections across India.
bcrypt password hashing, session isolation, prepared statements on every query.
Expenses, income, cards, EMIs, loans, analytics — no need for multiple apps.
⭐ TotalRupee is continuously improving based on user feedback. Your suggestions directly shape the future of the product.
Click Register on the login screen. Enter full name, unique username, email, and a strong password (min 8 chars). Your account is completely private — no data is shared with other users.
Go to More → Banks & UPI. Add each bank account and UPI app. Critical — all payment method dropdowns in Expenses, Income, and Card Txns pull from here.
Go to the Income tab. Add salary, freelance, rental, or any source with amount, type, date, and which bank it was credited to.
Go to More → Cards. Add each card with name, bank, credit limit, and billing cycle. Log transactions from the Card Txns tab.
Use EMIs tab for bank installments (phone, car, home loan). Use Loans tab for personal money between people. Both update the Overview dashboard.
Go to Expenses → + Add Expense. Enter amount, category, payment method, and date. Overview balance updates instantly.
Total Income this month, Total Expenses, Available Balance (income − expenses), Credit Card outstanding, EMI dues, and Loan balances — all in one view. Updates in real time.
Green = income / available. Red/Orange = overdue or negative. Click any card to jump directly to that section.
EMI and credit card dues sorted by date. Due within 3 days are highlighted red. Enable browser notifications for automatic reminders.
Click More (⋯) in the navigation bar → select Banks & UPI.
Enter bank name (SBI, HDFC, Kotak), account nickname (e.g. "Salary Account"), and type: Savings / Current / Wallet. Click Save.
Your bank now shows in payment method dropdowns across Expenses, Income, and Card Txns. Add all your active banks.
Enter UPI app name (GPay, PhonePe, Paytm, BHIM) and your UPI ID (e.g. name@okicici). Optionally link to a bank account.
| Field | What to enter | Required? |
|---|---|---|
| Bank Name | SBI, HDFC, Axis, Kotak, ICICI… | ✅ Yes |
| Account Label | "Salary Account", "Joint Account" | ✅ Yes |
| Account Type | Savings / Current / Wallet | ✅ Yes |
| UPI App | GPay, PhonePe, Paytm, BHIM | Optional |
Click Income in the nav bar. See all entries and a monthly total at the top.
Choose: Salary, Freelance/Software, Trading (Profit/Loss), or Other. Each type has a slightly different form layout.
Enter amount (₹), date received, and which bank account was credited. Add optional notes like "May salary" or "Client ABC project".
Click Save. The Overview income total updates immediately. Edit or delete any entry from the Income tab anytime.
| Field | Description |
|---|---|
| Source Type | Salary / Freelance / Trading / Rental / Other |
| Amount (₹) | Full amount received |
| Date | When income was received |
| Received In | Bank account credited |
| Notes | Optional description |
Click More (⋯) → Cards. All active credit cards are shown as visual card tiles.
Fill in card name (e.g. "HDFC Regalia"), issuing bank, credit limit (₹), statement date, and payment due date.
Statement date = day bill is generated. Due date = last day to pay. TotalRupee shows payment alerts on the Overview based on these dates.
Go to Card Txns → + Add Transaction → type Purchase. Enter merchant, amount, date, category. Outstanding and cashback update automatically.
When you pay your card bill, add a transaction with type Payment. This reduces the outstanding. Always log both purchases AND payments for accuracy.
| Field | What to enter | Example |
|---|---|---|
| Card Name | Recognisable label | HDFC Regalia |
| Bank | Issuing bank | HDFC, ICICI, Axis |
| Credit Limit | Max spend (₹) | ₹2,00,000 |
| Statement Date | Day bill is generated | 15th |
| Due Date | Last day to pay | 5th of next month |
| Cashback % | Default rate (optional) | 1.5% |
Click Expenses in the nav bar. See this month's list, total spent, and category breakdown.
Enter amount (₹), select category (Food, Travel, Medical, Shopping, Utilities, Entertainment, Education, Other), and optional description.
Choose from your banks (debit/NEFT), UPI apps (GPay, PhonePe), or Cash. This is why Banks & UPI setup first is critical.
Date defaults to today. Click Save — Overview balance updates instantly. Filter expenses by month, category, or payment method anytime.
| Field | Options / Description |
|---|---|
| Amount (₹) | How much was spent |
| Category | Food, Travel, Medical, Shopping, Utilities, Entertainment, Education, Other |
| Payment Method | Banks, UPI apps, or Cash |
| Date | Defaults to today |
| Description | Optional — "Petrol", "Groceries" |
⚡ Quick Save in the navbar to log expenses on the go without full login — just a 4-digit PIN. Syncs to your account later.Click EMIs. See all active installments with next due date, amount, and a repayment progress bar.
Enter lender name (HDFC Bank, Bajaj Finance), loan type (Home, Vehicle, Phone, Appliance, Personal, Education, Other), and monthly EMI amount (₹).
Enter start date, total tenure in months (e.g. 36), and due day each month (e.g. 5th). End date and remaining installments are auto-calculated.
Optionally enter the original loan amount and annual interest rate for Analytics to show interest paid vs principal repaid breakdown.
When you pay, click Mark Paid. Updates the progress bar and removes it from upcoming dues on Overview until next month.
| Field | Description | Example |
|---|---|---|
| Lender Name | Who you pay | HDFC Bank |
| Loan Type | Category | Home / Phone / Vehicle |
| Monthly EMI | Fixed payment (₹) | ₹8,500 |
| Start Date | EMI began | 01 Jan 2024 |
| Tenure | Total months | 36 months |
| Due Day | Day of month | 5th |
| Principal | Original amount (opt.) | ₹2,50,000 |
| Interest Rate | Annual % (opt.) | 12% |
Click Loans. Two sections: I Lent (others owe you) and I Borrowed (you owe others).
Select I Lent or I Borrowed. Enter person's name, amount (₹), date, and optional note (e.g. "Medical emergency").
Open loan entry → Record Payment → enter amount (partial or full). Outstanding reduces automatically. Full repayment marks it as Cleared.
| Field | Description |
|---|---|
| Type | I Lent (they owe you) / I Borrowed (you owe them) |
| Person Name | Who the loan is with |
| Amount (₹) | Total loan amount |
| Date | When the loan was given/taken |
| Notes | Optional — "Emergency", "Rent advance" |
A donut chart shows which categories consume the most. Hover over segments to see exact amounts. Instantly identify overspending areas.
Bar/line chart shows income and expenses for the last 6 months side by side. Months where expenses exceed income are highlighted. Spot trends early.
Use the month/year dropdowns at the top of Analytics to change the range — view a specific month or the full year summary.
Click More (⋯) → My Plan. Contains subscription details, wallet, referral code, and password settings.
Scroll to the bottom of My Plan. Find 🔑 Change Password section. Click the ˅ button on the right to expand the form.
Type current password in the first field. Use the 👁 eye icon to reveal and verify. This confirms identity before any change is applied.
Type new password (min 6 chars). The strength bar shows Weak → Fair → Good → Strong. Re-enter in Confirm field. Both must match exactly.
A green success toast appears bottom-right confirming the update. You stay logged in — no re-login needed.
Open in Chrome → tap ⋮ menu → "Add to Home Screen" → tap Add. Opens fullscreen like a native app.
Open in Safari → tap Share (□↑) → scroll → "Add to Home Screen" → Add. Fullscreen, no browser bar.
Look for install icon ⊕ in the address bar → click Install. Standalone desktop app with no browser UI.
user_id using prepared statements. No other user or admin can read, edit, or delete your data.📌 Please read this Refund Policy carefully before making any purchase on TotalRupee. By subscribing to any paid plan, you agree to the terms described below.
TotalRupee offers a free tier with access to core features. No payment is required for the free plan, and therefore no refund applies.
| Scenario | Eligibility |
|---|---|
| Within 7 days of first payment | ✅ Full refund eligible |
| Technical issue preventing access | ✅ Full refund eligible |
| Duplicate payment charged | ✅ Full refund of duplicate |
| After 7 days — unused period | ⚠️ Prorated refund considered |
| After 7 days — plan used | ❌ Not eligible |
| Change of mind after plan used | ❌ Not eligible |
Reach out via the Contact Us tab or in-app Support within 7 days of your payment date.
Share your registered email, payment date, transaction reference number, and reason for refund.
Our team reviews your request within 3–5 business days and responds to your registered email.
Approved refunds are processed within 7–10 business days to the original payment method.
You may cancel your subscription at any time from My Plan settings. Cancellation stops future billing but does not automatically trigger a refund for the current billing period.
If you believe a charge was made in error, please contact us before initiating a chargeback with your bank. We are committed to resolving all disputes fairly and promptly.
Use the Contact Us tab in this app or the Support chat. Include your registered email and transaction reference for faster processing.
Have a question, issue, or suggestion? Choose the most convenient way to reach the TotalRupee team below.
Fastest way. Go to the Support tab → submit your query directly inside the app.
Found something not working? Report via Support tab or email with steps to reproduce.
Have an idea? We genuinely read every suggestion. Send it via email or in-app support.
Thank you for reaching out. We will respond to your registered email within 1–2 business days.
| Query Type | Expected Response |
|---|---|
| Technical Issues / Bugs | Within 24 hours (business days) |
| Refund Requests | 3–5 business days |
| General Enquiries | 1–2 business days |
| Feature Suggestions | We read all — responses may vary |
⏰ Support operates Monday to Saturday, 9:00 AM – 6:00 PM IST. Messages outside these hours are answered the next business day.
Delete this entry?
This cannot be undone.
Loading payment history…
| # | Date | Amount | Method | Account / UPI | Note |
|---|
No payments recorded yet.