About this app

Where Is My Money? (WIMM) is a complete personal finance app built for how Indians actually manage money: bank accounts and cash, EMIs and credit cards, investments and insurance, family expenses, income tax under the New Regime, gold, vehicles, and trips. Every number is worked out for you, not just logged. Free forever for everyday tracking. Works fully offline. Your data stays on your device, protected by PIN and biometric lock. 💰 EVERYDAY MONEY - Track expenses with categories and sub-categories made for Indian spending, plus line items and split payments - Log income from salary, business, freelance, rent and more - Manage bank accounts, debit and credit cards, cash in hand, online wallets and metro cards - Bank interest credited automatically on the real quarter-end or month-end dates, worked out from your day-by-day balance - Recurring bills and income, refunds and cancellations, and a My Inventory list of everything you've bought - Emergency Fund with automatic monthly top-ups 📊 INCOME TAX, MADE SIMPLE - New Tax Regime calculator with slab-by-slab breakdown - Form 26AS reconciliation and tax documents - Tax recommendations based on what you've logged 🏦 DEBT, CREDIT & INVESTMENTS - Track every loan and EMI with interest, payoff, and rate-change history - Debt payoff simulator to plan your fastest way out - Track investments and insurance with maturity and premium reminders 🎯 GOALS THAT KNOW YOUR FINANCES - Safe Purchase Budget shows what you can really afford right now - Purchase analysis, auto-contributions and goal analytics 🚗 VEHICLES - Log fuel, service, insurance, challans and more for every vehicle - Cost charts for petrol, diesel, CNG, hybrid and EV 💎 GOLD, SILVER & GEMSTONES - Track holdings by purity with a value calculator and resale estimate - Rate trend charts; live gold and silver rates with Premium ✈️ TRAVEL WITHOUT THE SPREADSHEET - Trips with itineraries, budgets, and over-budget warnings - Split trip expenses with fellow travellers - Trip Fund with separate Cash and Bank sides - Trip Journal with a world map of every trip (Premium) 🤖 PRIVATE, ON-DEVICE AI - Download an AI model to your phone. Nothing is sent anywhere. - Smart category suggestions that understand typos and Hinglish - Scan receipts, spot unusual expenses, and get quick in-app help - Premium: Voice Entry, Money Wrapped, Debt Strategy Chat, document scanners and Bank Statement Import 👨‍👩‍👧‍👦 BUILT FOR FAMILIES - Track household members and tag expenses to them - Premium Family Sharing: shared budgets, joint goals and shared trips, with controls over who sees what 📈 SEE THE WHOLE PICTURE - Dashboard with forecasts, net worth,th and Financial Health Score - Detailed reports and charts with PDF export - Year in Review and home-screen widgets 🔒 YOUR DATA, YOUR CONTROL - Works fully offline, on every feature - PIN, biometric lock, auto-lock and screenshot protection - Encrypted local backups ⭐ PREMIUM - Cloud sync across all your devices - Family Sharing - File attachments for receipts, invoices and tickets - Trip Journal - Live gold and silver rates - Professionally typeset PDF reports - More AI features, priority support and early access to new features - Weekly, monthly and yearly plans, with launch offers for early users Download for free and upgrade to Premium anytime. Where Is My Money? gives you clarity in rupees