Your money, finally in one place.Every rupee, however you paid it.
Trove is a money tracker built for how India pays. Add a UPI payment in one line or drop in a bank statement, and see what you spent, which subscriptions renew next and what is left this month. Everything it does is on the features page.
Free during testing, with no card. No bank login: you enter or import your own transactions. Read how we handle your data on the security and privacy pages, and what it costs on pricing.
“zomato 450 upi”
You type it or say it, once
Ledger
- ZomatoFood · UPI · Today−₹450
- UberTravel · UPI · Yesterday−₹240
- Chai tapriFood · Cash · Mon−₹40
Left this month
₹42,180
- No bank login. You type, speak or import.
- Export everything, or delete it, from Settings.
- Never sold, never shared for advertising.
Built by one person, Dev Patel. Why · What changed · What is not done yet
The problem
UPI made paying instant. Knowing where it went got harder.
1
Small payments vanish
₹40 here, ₹450 there. Each one is too small to notice and they add up to a month.
2
Renewals arrive quietly
Streaming, recharges, the gym. The charge shows up before you remember you signed up.
3
Money sits in five places
Bank, cards, cash, SIPs, a loan. No single screen says what you have left or what you are worth.
Explore Trove
See what it does, before you sign up.
Pick a part of Trove. Each one plays out on a sample month, step by step.
Know what is left, as you spend.
Set a monthly limit for a category. Each payment you add comes off it, so the amount left is always current.
₹6,000 for food. Four payments later, ₹1,020 is left.
Budgets and goals →Food · October
₹6,000 a month
- SwiggyUPI · 14 Oct−₹420
- BlinkitUPI · 15 Oct−₹840
- Chai tapriCash · 16 Oct−₹60
- ZomatoUPI · 17 Oct−₹450
Sample data, worked out in your browser. Not connected to any bank.
Try it, no account
One sentence becomes a ledger row.
Type a payment the way you would say it, in English or Hinglish. Trove reads the merchant, amount, method and day, and suggests a category from rules you can read. In the app you can say it instead. For a whole month at once, see where your month goes.
What you can do
One place for the money you spend and keep.
No spreadsheets to maintain and no bank login to hand over. The complete list is on the features page.
Every payment method, one ledger
UPI, credit card, cash or bank transfer, recorded on each transaction instead of guessed.
UPI tracking →Spending analytics
One, three, six or twelve months, or any two dates. Categories, merchants and trends.
Expense tracking →Subscription tracking
Repeating charges found in your own ledger every night, with the next renewal date.
Subscriptions →Budgets and goals
Per-category limits with rollover, and savings goals with a monthly pace.
All features →Net worth in lakh and crore
Assets, loans and income in one number, with the reason it moved each month.
Net worth →Exports you own
PDF, Excel and CSV over any date range, plus a full export and deletion in Settings.
Your data →Goals
Put money aside for what the year brings.
A festival, a wedding, a trip home. Set the amount and the date, and Trove shows what to put away each month to get there. The figures below are examples.
Diwali
₹30,000
in 12 months: ₹2,500 a month
Eid
₹25,000
in 10 months: ₹2,500 a month
Onam
₹20,000
in 11 months: ₹1,819 a month
Pongal
₹15,000
in 3 months: ₹5,000 a month
A wedding in the family
₹2,00,000
in 18 months: ₹11,112 a month
How it works
From sign-up to a clear month in minutes.
01
Create an account
Email or Google, no card. You go straight to your dashboard.
02
Add or import
Type a transaction, or drop in a statement or spreadsheet from your bank. You confirm each row.
03
Let Trove sort it
Merchant rules suggest a category and read the payment method from the description.
04
Review and decide
Check the month, set a budget or a goal, and see what recurs.
Your data
Your money belongs to you. So does your data.
Trove is early and built by one person. The security page also lists what is not in place yet.
- No bank connection. Trove only sees what you enter or import.
- HTTPS everywhere, and row-level security on every table.
- Receipts stay in a private bucket, scoped to you.
- Never sold, never shared for advertising.
- Export everything, or delete your account, from Settings.
Pricing
Free while Trove is in testing.
Every feature, no tiers, no card. Paid plans may come later, and the pricing page will say so before anyone is charged.
Frequently asked
Questions, answered plainly.
- Is Trove free?
- Yes. While Trove is in early testing every feature is free, with no card on file and no tiers. Paid plans may come later. If they do, the pricing page will say so before anyone is charged. See pricing.
- Can I track UPI payments in Trove?
- Yes. Every transaction records how you paid: UPI, credit card, cash, bank transfer or something else. That keeps UPI spending separate from card and cash, and lets you see the split each month. You add UPI payments yourself or bring them in from a bank statement. Trove does not connect to UPI apps. More on tracking UPI.
- Can I import my HDFC, ICICI or SBI statement?
- You can drop a statement from any bank into Trove's inbox: a CSV or spreadsheet export works best, and a PDF can work where the reader supports it. Trove lists what it found as candidate transactions and saves nothing until you confirm them. The text of the file is read by a language model, so check amounts and dates. There is no importer tuned to each bank's layout, so no bank is guaranteed to read perfectly. How importing works.
- Does Trove connect to my bank account?
- No. There is no bank connection and Trove never asks for a bank login. Everything in it is something you typed or imported yourself. Read the security page.
- Is my financial data safe?
- Trove uses HTTPS everywhere and row-level security on every table, so one account's query can only return its own rows. It is also an early product built by one person: it has no two-factor sign-in yet and has not had a third-party security audit. Treat it as a clear view of your spending, not a system of record. Read the privacy policy.
- Can Trove track my subscriptions in rupees?
- Trove works in rupees by default. Repeating charges in your own transactions, such as a streaming plan or a cloud storage bill, are picked up nightly and listed with their renewal dates. Trove records subscriptions so you can see them; it does not cancel anything for you. More on tracking subscriptions.
- Can I see my net worth in lakh and crore?
- Yes. Net worth is what you own minus what you owe, and you can enter amounts the way you say them, such as "2 lakh in an FD" or "car for 12 lakh with a 4 lakh loan". Each entry is shown as a card for you to check before it is saved. How net worth works.
- Do you sell my data, and can I delete it?
- Your data is never sold or shared for advertising. Google Analytics on this website is off unless you accept it. Cloudflare counts page views without cookies and without tracking you across sites. From Settings you can export everything and permanently delete your account. Privacy policy.
Saving and compounding
See what a monthly habit becomes.
Saving ₹10,000 a month at a steady 12% a year for 20 years comes to about 98.93 lakh rupees, of which 24 lakh rupees is money you put in. Move the sliders to try your own numbers. The same arithmetic sits behind the goals and the net worth milestones in Trove.
Illustration
Example numbers- Saved each month
- ₹10,000
- Yearly return
- 12%
- For
- 20 years
After 20 years you would have
₹98,92,554
about 98.93 lakh rupees
₹24,00,000 saved by you plus ₹74,92,554 of compounding.
With compounding Savings only, no growth
An illustration of arithmetic, not a forecast or advice. It assumes a fixed return, a deposit at the end of every month, monthly compounding, and no tax, fees or inflation. Real returns vary from year to year and can be negative.
Made for India
Rupees, UPI and the way Indians actually pay.
Ready when you are
See where every rupee went this month.
Free during testing. No card, no bank login.