Is DhanTally completely free to use?

Yes. DhanTally is fully featured in acquisition mode — there are no subscription paywalls, and every Phase-2 feature is included.

How is my financial data secured?

All ledger records stay strictly inside your device's local SQLite database. Nothing is synced to our servers, because there are none.

How does SMS and Clipboard entry work?

An on-device text parser reads the copied bank alert and extracts the amount, merchant, account and category locally. Your messages are never uploaded anywhere.

Can I track mutual funds and stock investments?

Yes. Buy and sell trades, broker charges, cash wallets and dividend credits are all fully supported for NSE/BSE stocks and mutual funds.

How do I transfer my data to a new phone?

Export an offline encrypted .dtbak backup and import it on the new device — via Google Drive, local storage, email or a file picker.

Is DhanTally available on iOS and Desktop?

Android is available now. iOS and Desktop are built on Kotlin Multiplatform with releases rolling out.

Offline-first expense tracker app for India

Track Daily Expenses, Budgets, EMIs and Net Worth in One Private App.

DhanTally is a private money manager built for Indian users who want one place to track income, daily expenses, UPI spending, mutual funds, stock trades, loan EMIs, and total net worth without sharing bank credentials.

Explore app features

100% on-device & offline storage
Zero bank password scraping
Stocks, mutual funds & EMIs in one place
Free to use — no hidden paywalls

10:32ıll 88%

Entries

July 2026

DailyCalendarMonthlySummary

INCOME

+₹86,420

EXPENSE

−₹31,400

NET

+₹55,020

11SAT

Today

3 entries

+₹14,500−₹390

Bal +₹14,110

Salary advance

Income · HDFC

+₹14,500

Lunch · Office

Food · ICICI

−₹320

Metro · Cubbon

Transport · Cash

−₹70

10FRI

Yesterday

2 entries

−₹3,340

Bal −₹3,340

BigBasket

Groceries · ICICI Card

−₹2,840

Electricity bill

Bills · HDFC

−₹500

Paste SMS

Why people search for DhanTally

One app for daily expense tracking, budgets, loans, investments, and balance clarity.

Most expense tracker apps stop at spending categories. DhanTally goes further by combining daily money tracking with investment accounts, loan EMI planning, and net worth reporting in one offline-first ledger.

That makes it useful whether you are searching for a daily expense tracker, a budget app, an EMI tracker, a UPI spending tracker, or a private money manager app for India.

What you can do inside DhanTally

Track salary, freelance income, business cash flow, and everyday expenses.
Organize UPI, cash, card, bank, investment, and loan activity account by account.
Monitor budgets, category trends, loan prepayments, and net worth from the same ledger.

Core features

Everything in your financial life, in one offline ledger.

Built for people searching for a simple expense tracker app, but powerful enough to handle investments, loans, and long-term money planning.

Daily Expense & Smart Clipboard Parsing

Day-wise timeline and monthly aggregation of every rupee.

Day-wise expense timeline with automatic monthly aggregation.
Smart clipboard & SMS detection — copy any bank alert and DhanTally extracts amount, merchant, account and category.
Everything parsed on-device; nothing is uploaded anywhere.

Stock Market & Mutual Fund Portfolio

Price and quantity-aware trade logging for NSE/BSE and mutual funds.

Log buy/sell trades with exact price and quantity for stocks and mutual funds.
Track broker charges and cash wallets separately from holdings.
Smart dividend tracking records payouts to real bank accounts while keeping investment links intact.

Smart Loan & EMI Engine

Contract-rate interest maths with a real pre-payment simulator.

Contract-rate interest calculation with principal-vs-interest split breakdown.
Pre-payment simulator shows exact tenure reduction and interest money saved.
One-tap loan foreclosure deducts the real cash outflow from your bank account.

Unified Net Worth & Financial Health Cockpit

A complete balance sheet for your household.

Total assets vs. total liabilities in one balance sheet view.
Health metrics: emergency fund runway, debt-to-asset ratio, monthly savings rate.
Net worth historical trajectory graph over time.

Smart Budgets & Spend Analytics

Overall and category-level limits with early warnings.

Overall monthly limits plus granular category-level spending budgets.
Visual progress bars with warning states before you overspend.
Breakdown charts that reveal your real spending patterns.

Organized Multi-Account Hierarchy

Banks, wallets, cards, investments and loans — neatly folded.

Support for Banks, Wallets & Cash, Credit Cards, Investments and Loans.
Progressive Show More / Show Less folding keeps long lists readable.
Every account carries its own running balance.

Safe Encrypted Backup & Restore

Encrypted .dtbak / .smbak files you actually own.

Encrypted .dtbak / .smbak backup files.
Restore from Local Device, Google Drive, Email or File Picker.
Database integrity validation on every restore.

Interactive

Smart loan pre-payment & EMI savings calculator.

Move the sliders to see exactly how much interest you save and how many months earlier your loan closes.

Loan amount₹25,00,000

Interest rate9 %

Loan tenure20 yrs

Extra monthly pre-payment₹5,000

Monthly EMI ₹22,493 + ₹5,000 extra

Original interest

₹28,98,356

New interest

₹17,15,482

Total money saved

₹11,82,873

Loan closes earlier by

7 yr 2 mo

Track and simulate your real loans inside the DhanTally app →

Security & privacy

Your ledger never leaves your phone.

No bank login scraping, no cloud-hosted transaction vault, and no need to hand your financial history to a third-party dashboard just to see your balance.

Feature	DhanTally	Typical cloud finance apps
Data Storage	100% local (on-device SQLite)	Cloud databases
Bank Account Linking	Not required — privacy-safe SMS/clipboard	Mandatory NetBanking logins
Data Selling / Ads Tracking	Zero data leaves your device	Data mined for loan & card offers
Works Offline	Yes, 100% functional without internet	Requires constant internet
Backup Ownership	User-owned encrypted .dtbak files	Locked into proprietary clouds

Read the full privacy model →

Inside the app

Eight screens that cover your whole money life.

Track daily expenses with a clean timeline

Screen 1 of 8

Track daily expenses with a clean timeline

Understand spending with clear insights

Screen 2 of 8

Understand spending with clear insights

Stay on budget month after month

Screen 3 of 8

Stay on budget month after month

Watch your net worth grow over time

Screen 4 of 8

Watch your net worth grow over time

Organize banks, wallets, cards, and more

Screen 5 of 8

Organize banks, wallets, cards, and more

Track shares and investments in one place

Screen 6 of 8

Track shares and investments in one place

Manage loans and EMI with better clarity

Screen 7 of 8

Manage loans and EMI with better clarity

Backup and restore with confidence

Screen 8 of 8

Backup and restore with confidence

FAQ

Questions, answered.

DhanTally v2.0.4

Install a private expense tracker app that grows with your finances.

Start with daily spending and budgets, then keep using the same app for investments, EMIs, and net worth tracking. Scan the code or open the Play Store listing.

QR code linking to the DhanTally listing on Google Play

Scan to install