BillZap
A story you might know
Meet Riya. Second-year B.Com, Coimbatore.
Every month her parents send ₹6,000 for food, travel and everything else. Every month it runs out early. She never bought anything big. So where did it go?
Day 20. ₹1,860 left. Eleven days to go.
A ₹15 chai. A ₹60 auto. Canteen lunch, a ₹299 recharge, a movie with friends. None of it felt like spending. Added up, it was ₹4,140 in twenty days.
No single spend was big. Together they were.
Left this month
₹1,860So she started writing it down. Every single time.
Open My Money, tap Add expense, type the amount, pick a category, save. Three seconds, standing at the tea stall.
- 15 categories: food, transport, education, fun, subscriptions and more
- Paid with cash, UPI, card, bank or wallet
- An optional note and date, for when you remember later
Add expense
Category
Paid with
One number every morning: safe to spend today.
She set a monthly budget of ₹6,000. My Money spreads what is left over the days that are left, today included, so she always knows her limit.
Spend less today and tomorrow's number goes up. Overspend and it comes down, before the month runs out, not after.
Then the surprise: where it went.
"Where it went" splits the month by category. Riya's biggest spend wasn't the movie. It was food and drinks: ₹1,560, more than a third of everything.
Red bars on the daily chart mark days that went past her allowance.
- Food & drinks₹1,560
- Transport₹820
- Fun₹650
- Education₹480
- Subscriptions₹349
- Other₹281
A heads-up before it's too late.
When 80% of the budget is gone, My Money tells her. If she goes over, it says by how much. No surprises on the 28th.
Hostel rent and recharge add themselves.
Repeating expenses go in once. On the same day each month, My Money adds them for you, so the budget is honest from day one.
Next month, a little game.
My Money counts no-spend days: days with nothing spent at all. Riya started chasing them. By month three she was ending the month with money left.
It also shows today, the last 7 days, your daily average, where you're heading by month end, and how you compare with last month.
No-spend days this month 9