RitualMoney

RitualMoney helps Indian households answer one honest question:

How many days could your family manage if income stopped tomorrow?

Not another budgeting app that shames you. Not an investment app selling products. Just clear math on your own numbers — income, expenses, EMIs, and savings — so you know where you stand.

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YOUR RUNWAY, IN DAYS
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See your financial runway updated from the numbers you enter. Tap through a savings ladder from ₹1L to ₹2Cr — each rung buys more calm. Share a family runway card on WhatsApp when you're ready.

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FIVE TABS. ONE APP.
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◆ TODAY
Your daily home — runway hero, one small money action (daily brick), spending insights, and coach tips.

◆ RECORDS
Calendar heatmap, spend tracker, and bills — see the month, log expenses, never miss a due date.

◆ PLAN
Goals for real Indian life — wedding, trip, home, parents, kids, gold, freedom. Wedding and trip planners sync to your goals. Life-stage picks for your situation.

◆ DEBT
All EMIs in one view — home, car, personal loans. See what's bleeding interest and your payoff timeline.

◆ WEALTH
Track what you actually own — EPF, PPF, gold, property, FDs, mutual funds. Indian wealth checklist, not just bank balance.

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BUILT FOR INDIA
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• Parent support, festival budgets, Hinglish labels
• Wedding planner — own or sibling, city-tier estimates you edit
• Trip savings planner — Goa, Europe, family vacation
• Job-loss scenario — month-by-month survival plan
• Borrow & lend tracker for family IOUs
• Property shortlist, money manifest (Sapna), weekly money ritual

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LOG SPENDS YOUR WAY
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• Type an expense in 10 seconds
• Paste bank SMS (manual — we never read your inbox)
• Share a UPI receipt into RitualMoney (Android)
• Optional payment-alert capture — you confirm every entry
• Scan a bill with camera (optional)

Everything parsed on your phone. Nothing uploaded to our servers.

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PRIVATE BY DESIGN
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✓ No account required
✓ No ads
✓ No data sold
✓ No mutual fund or insurance commissions
✓ Encrypted backup export to your own file (Drive, etc.)
✓ App lock with biometric
✓ Uninstall = data gone

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EDUCATION, NOT ADVICE
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RitualMoney is an educational tool. We are not registered with SEBI, RBI, IRDAI, or PFRDA. We do not recommend specific funds, insurers, or loans. For product decisions, consult a licensed professional — we'll help you get ready with honest math.

Free forever. Works offline for core features.

Made in Bengaluru for Indian families.