Security & privacy
Privacy is the architecture, not a setting.
DhanTally was designed offline-first. There is no account to create, no server to sync with, and no data pipeline that could sell your spending patterns.
On-device SQLite
Every transaction, account and loan record lives in a local database on your phone.
No bank credentials
DhanTally never asks for NetBanking logins or scrapes bank passwords.
Fully offline
The app is 100% functional in airplane mode. No server round-trips required.
Encrypted backups
Export encrypted .dtbak / .smbak files that only you control.
DhanTally vs. typical cloud finance apps
| 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 Policy.