Money Flow

No. Statements are parsed and stored entirely in your browser (IndexedDB) — nothing is sent to any server, there is no account and no sign-up. Clearing the browser's site data removes everything, so use Export backup if you want to keep your history.

CSV, XLS, XLSX and PDF statements, including password-protected Excel files — the password is asked for and used locally. Statements from major Indian banks (SBI, HDFC, ICICI and similar layouts) are detected automatically; if a file isn't recognised, a manual column-mapping step lets you import it anyway.

Each transaction's merchant is extracted from the narration (UPI/NEFT/IMPS text) and matched against built-in rules. To correct one, change its category in the Transactions tab — the tracker remembers your choice and applies it to that merchant in all future imports. The Uncategorized banner helps you clear unknowns in bulk.

Two common reasons: transfers between your own accounts count as both money in and money out unless the 'Exclude transfers' toggle is on, and the tracker only knows about the statements you've imported — gaps in the date range mean missing transactions.

Use Export backup in the header menu to download a JSON file with all transactions, accounts and learned categorization rules, then Restore it on the other device or browser. This is also your safety net before clearing browser data.

Charges from the same merchant with a similar amount at a steady interval — monthly subscriptions, EMIs, rent, SIPs. They're detected from your history automatically and shown in the Recurring panel, which is also what the cash-flow forecast is built from.