User Guide — TotalRupee

🚀

Quick Setup — 6 Steps

Follow this order for the best experience

Recommended order: Banks & UPI → Income → Cards → EMIs → Loans → Expenses. Ensures all payment dropdowns are populated when you need them.

1. Account›2. Banks & UPI›3. Income›4. Cards›5. EMIs/Loans›6. Expenses

1

Create Your Account

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.

2

Add Banks & UPI IDs

Go to More → Banks & UPI. Add each bank account and UPI app. Critical — payment dropdowns in Expenses, Income, and Card Txns all pull from this list. Do this first.

3

Add Income Sources

Go to the Income tab. Add salary, freelance, rental, or any source with amount, type, date, and which bank it was credited to.

4

Add Credit Cards

Go to More → Cards. Add each card with name, bank, credit limit, and billing cycle. Log transactions from the Card Txns tab.

5

Add EMIs & Loans

Use EMIs for bank installments (phone, car, home loan). Use Loans for personal money between people. Both update the Overview dashboard automatically.

6

Start Logging Expenses

Go to Expenses → + Add Expense. Enter amount, category, payment method, and date. Overview balance updates instantly.

📊 Income vs Expenses — after full setup (sample data)

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Overview Dashboard

Complete financial snapshot at a glance

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What you see on the Overview

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 as you add entries.

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Colour-coded Summary Cards

Green = income/available. Red/Orange = overdue or negative. Click any card to jump directly to that section.

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Upcoming Due Dates

EMI and credit card dues sorted by date. Due within 3 days are highlighted red. Enable browser notifications for automatic reminders before the due date.

📈 Monthly Income vs Expense Trend (sample)

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Banks & UPI Setup

Set this up first — powers all payment dropdowns

Do this before adding expenses or income. All payment method dropdowns pull from your Banks & UPI list. Without it, dropdowns will be empty.

➕ Add a Bank Account

1

Go to More → Banks & UPI

Click More (⋯) in the navigation bar → select Banks & UPI.

2

Click "+ Add Bank Account"

Enter bank name (SBI, HDFC, Kotak), account nickname (e.g. "Salary Account"), and type: Savings / Current / Wallet. Click Save.

3

Saved — appears in all dropdowns

Bank now shows in payment dropdowns across Expenses, Income, and Card Txns. Add all your active banks for complete tracking.

➕ Add a UPI App

1

Click "+ Add UPI App"

Enter app name (GPay, PhonePe, Paytm, BHIM) and UPI ID (e.g. name@okicici). Optionally link to one of your bank accounts.

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

💰

Income Manager

Track all your earnings in one place

➕ Add an Income Entry

1

Go to the Income tab

Click Income in the nav bar. See all entries and a monthly total at the top.

2

Click "+ Add Income" → select type

Choose: Salary, Freelance/Software, Trading (Profit/Loss), or Other. Each type has a slightly different form layout.

3

Enter amount, date & bank account

Enter amount (₹), date received, and which bank account was credited. Add optional notes like "May salary" or "Client ABC project".

4

Save — Overview updates instantly

Click Save. 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

💰 Income breakdown (sample)

For trading, choose Profit or Loss. Losses show in red on Analytics.

💳

Credit Card Tracker

Add cards once — track spending and dues forever

➕ Add a Credit Card

1

Go to More → Cards

Click More (⋯) → Cards. All active credit cards are shown as visual card tiles.

2

Click "+ Add Card"

Fill in card name (e.g. "HDFC Regalia"), issuing bank, credit limit (₹), statement date, and payment due date.

3

Set billing cycle & due date

Statement date = day bill is generated. Due date = last day to pay. TotalRupee uses these for payment alerts on the Overview.

4

Log transactions from Card Txns

Go to Card Txns → + Add Transaction → type Purchase. Enter merchant, amount, date, category. Outstanding and cashback update automatically.

5

Record bill payments

When you pay your card bill, add a transaction with type Payment. This reduces the outstanding balance. 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%

Outstanding = Purchases − Payments. Log both transaction types to keep the balance accurate.

💸

Expense Tracker

Log every spend — know exactly where your money goes

➕ Add an Expense

1

Go to the Expenses tab

Click Expenses in the nav bar. See this month's list, total spent, and category breakdown.

2

Click "+ Add Expense"

Enter amount (₹), select category (Food, Travel, Medical, Shopping, Utilities, Entertainment, Education, Other), and optional description (e.g. "Lunch at office").

3

Select payment method

Choose from your banks (debit/NEFT), UPI apps (GPay, PhonePe), or Cash. This is why Banks & UPI setup first is critical.

4

Pick date & save

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"

🥧 Expense categories (sample)

Use ⚡ Quick Save in the navbar to log expenses on the go — just a 4-digit PIN, no full login. Syncs to your account later.

📅

EMI Tracker

Track loan installments — never miss a due date

➕ Add an EMI

1

Go to the EMIs tab

Click EMIs. See all active installments with next due date, amount, and a repayment progress bar.

2

Click "+ Add EMI"

Enter lender name (HDFC Bank, Bajaj Finance), loan type (Home, Vehicle, Phone, Appliance, Personal, Education, Other), and monthly EMI amount (₹).

3

Set start date, tenure & due day

Enter start date, total tenure in months (e.g. 36), and due day each month (e.g. 5th). End date and remaining installments are calculated automatically.

4

Enter principal & interest rate (optional)

Optionally enter original loan amount and annual interest rate. Enables Analytics to show interest paid vs principal repaid breakdown.

5

Mark as paid each month

When you pay the EMI, click Mark Paid. Updates the progress bar and removes it from upcoming dues on Overview until next month's due date.

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 loan (optional)	₹2,50,000
Interest Rate	Annual % (optional)	12%

📊 EMI repayment progress (sample)

EMIs due within 7 days are highlighted on the Overview. Enable browser notifications for automatic reminders.

🤝

Loan Tracker

Track money lent to or borrowed from people

Loans tab = personal loans between people. For bank/finance EMIs use the EMIs tab.

1

Go to the Loans tab

Click Loans. Two sections: I Lent (others owe you) and I Borrowed (you owe others).

2

Click "+ Add Loan"

Select I Lent or I Borrowed. Enter person's name, amount (₹), date, and optional note (e.g. "Medical emergency").

3

Record repayments over time

Open the loan entry → Record Payment → enter amount (partial or full). Outstanding reduces automatically. Full repayment marks loan 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"

📊

Analytics

Visualise your spending patterns and trends

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Category Spending Breakdown

Donut chart shows which categories consume the most budget. Hover segments to see exact amounts. Instantly identify overspending areas.

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Monthly Income vs Expense Trend

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.

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Filter by Month or Year

Use the month/year dropdowns at the top of Analytics to change the range — view a specific month or the full year summary.

📊 6-Month Stacked Spending (sample)

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Financial Statements

Generate clean reports for any period

1

Go to More → Statement

Click More (⋯) → Statement. Select period: Monthly, Quarterly, or custom date range.

2

Select the time period

Choose month + year or a custom start/end date. Includes all income, expenses, card transactions, and EMI payments in that range.

3

View, Print or Save as PDF

Statement renders on screen with a clean layout. Press Ctrl+P → Save as PDF. Includes summary table and full transaction detail.

🔑

How to Change Your Password

Keep your account secure

You need your current password. Forgotten it? Use Forgot Password on the login page instead.

Login› More → My Plan› Scroll down› Click ˅ expand› Fill & Save

1

Go to More → My Plan

Click More (⋯) → My Plan. Contains subscription details, wallet, referral code, and password settings.

2

Scroll to "Change Password" & click ˅

Scroll to the bottom of My Plan. Find 🔑 Change Password section. Click the ˅ button on the right to expand the form.

3

Enter your current password

Type current password in the first field. Use the 👁 eye icon to reveal and verify. Confirms identity before any change is applied.

4

Enter & confirm your new password

Type new password (min 6 chars). The strength bar shows Weak → Fair → Good → Strong. Re-enter in Confirm field. Both must match exactly.

5

Click "Update Password"

A green success toast appears bottom-right confirming the update. You stay logged in — no re-login required.

Mix UPPERCASE, lowercase, numbers, and symbols for a Strong password. Avoid name, phone number, or date of birth.

📱

Install as a Phone App (PWA)

Add TotalRupee to your home screen — no app store needed

🤖 Android (Chrome)

Open in Chrome → tap ⋮ menu → "Add to Home Screen" → tap Add. Opens fullscreen like a native app.

🍎 iPhone / iPad (Safari)

Open in Safari → tap Share (□↑) → scroll → "Add to Home Screen" → Add. Fullscreen, no browser bar.

💻 Desktop (Chrome / Edge)

Look for install icon ⊕ in the address bar → click Install. Standalone desktop app with no browser UI.

PWA benefits: faster loads, fullscreen, home screen icon, offline caching. Highly recommended!

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Frequently Asked Questions

Quick answers to common questions

Go to More → Banks & UPI and add your bank first. All payment dropdowns pull from there. Without it, dropdowns will be empty.

Outstanding = Purchases − Payments. Make sure you're logging both purchases AND bill payments. Unpaid bills not logged will inflate the outstanding.

Yes — negative means logged expenses exceed logged income this month. Add missing income entries or check Analytics for the breakdown.

On the login screen, click Forgot Password. Enter your email to receive a reset link. Check spam if it doesn't arrive.

This is correct. Once paid for the current month, it's removed from upcoming dues until next month's due date arrives. The EMI is still in your EMI list.

Completely private. Every query is scoped to your user_id with prepared statements. No other user or admin can read, edit, or delete your data.

Yes — click Export in the top navbar for a CSV file. Or go to More → Statement and press Ctrl+P → Save as PDF.

Quick Save is a PIN-protected mini expense logger — no full login needed. Tap ⚡ Quick in the navbar, set a 4-digit PIN, log expenses on the go. Transfer to your main account after logging in.

Guide Contents

My bank account doesn't appear in the payment dropdown.

My credit card outstanding looks wrong.

My Overview balance shows negative. Is that correct?

I forgot my password. How do I recover my account?

I marked an EMI as paid — it disappeared from upcoming dues.

Is my financial data private?

Can I export or download my data?

What is Quick Save and how does it work?