Auto-record
Turn it on once and every bank, card, UPI and wallet alert gets recorded for you in seconds. Or share or copy a bank message, or import a CSV, PDF statement or screenshot (imports are Pro). Only with your permission. Only on your phone.
Private · Offline · Made in India
Personal Manager
Personal means private.
Everything you track.
Nothing you share.
One private place for your money today, and for your journal, to-dos, plans and trackers next. All offline, all on your phone. No account to create, nothing sent to a server, ever.
Coming soonApp Store
GET IT ONGoogle Play
No account · No ads · No spam calls · Works fully offline
Auto-recorded
from your bank alert
HDFC Bank
Sent Rs.487 to Swiggy via UPI
Ref 4029XXXX · now
Sent Rs.487 to Swiggy via UPI
Ref 4029XXXX · now
↓
SwiggyFood & Dining · detected₹487
FoodGroceriesOther
Save ₹487
Works fully offline · nothing leaves your phone
ले Hi, Aarav
June 2026
62% of ₹68,000 budget
₹42,380
spent this month
Credits₹68,000
Outstanding+ ₹25,620
Spending by category
- Food & Dining
- Shopping
- Bills & EMI
- Transport
Recent
SwiggyToday · Food & Dining₹487
UberToday · Transport₹246
+
HomeTransactionsBudgetSettings
How it works
Your spends record themselves, on your phone
A payment happens, Auto-record notices, and it's filed away neatly. Or you add it yourself in a couple of taps. Every step runs on your device.
-
1
A payment happens
UPI, card, wallet, netbanking, cash — however you paid. Your bank sends its usual alert, or you tell Lekhya yourself from the Lock Screen.
-
2
Auto-record reads it, locally
With your permission, Lekhya reads the financial transaction alerts that reach your phone (bank, card, UPI and wallet SMS, and payment app notifications) and turns each into a transaction. Never your inbox. Nothing is uploaded.
-
3
It's filed and understood
It lands in your ledger, counts toward your budget, and feeds your trends, your net worth and your goals — all stored on your phone.
What's inside today
Money is chapter one
Considered, calm features — no gamification, no nagging, no dark patterns.
Budgets that forecast
Set overall and per-category budgets with a live month-end projection, so you see where you'll land before you get there.
Clear insights
Spending by category, twelve months of spend-vs-income trends, and a tidy monthly summary — facts, never judgement.
Recurring detection
Spots EMIs, subscriptions, and rent automatically, and nudges you only when something's due soon.
Encrypted backups, on your schedule
AES-256 .lkh backups locked with your passphrase — any time, or
automatically daily or weekly (Pro). On iPhone, to a folder you pick — on the phone
or in your own iCloud Drive; on Android, to a folder on your phone. Only you can
open them.
English & हिन्दी
Full Hindi and English, with Indian ₹ lakh and crore formatting that reads the way your bank writes it.
Everything you own, in one place
Track gold and silver, stocks, mutual funds and SIPs, fixed deposits, PPF, Sukanya Samriddhi, EPF, NPS, bonds and manual accounts — and see your net worth roll up across all of them. Every rate is one you enter, so nothing is ever fetched from anywhere. Plus 20 money calculators, from SIP and EMI to FIRE, each with sliders and a plain-language explanation.
Commitments & goals
EMIs, rent and subscriptions detected automatically or added by hand, with reminders before they're due. Savings goals you can link to a real holding.
Split with friends
Shared expenses, per-person balances and settle-up suggestions — without anyone needing an account, because there are no accounts.
One tap to add
Touch and hold the app icon, or add straight from your Lock Screen — a silent shortcut on Android, a Lock Screen widget on iPhone. No amount is ever shown on a locked screen.
Coming to Lekhya
Money is chapter one. Here's what's next.
One private app for the records of your life — every one of them offline and on your phone, with the same promise: nothing you share.
On-device AI assistant
Ask about your own records. It runs on your phone, never in a cloud.
Journal
A private diary only you can open.
To-dos & tasks
Everything you need to get done, in one list.
Planners
Plan your day, your week and the big things.
Trackers
Habits, health, attendance — anything you count or check daily.
Want something else?
Tell us what would make Lekhya your one app. Send a feature request →
Private. Offline. Secured.
Not a privacy promise. A privacy design.
Most apps ask you to trust a policy. Lekhya removes the need to trust at all — the app has no internet permission, so your data cannot leave your phone, even if we wanted it to.
- No account — nothing to sign up for, just open and use
- No
INTERNETpermission in the app — check it yourself in Settings → App info - The app has no analytics, tracking or crash-reporting SDKs (no Firebase, no Mixpanel)
- No spam calls — Lekhya never asks for your phone number, contacts or email
- Your app data is never sold, never shared — no third parties, and no one to hand it to
- Auto-record reads alerts as they arrive, on the phone — it never reads your SMS inbox
- Encrypted backups on your schedule — only your passphrase opens them
Why Lekhya is different
Built so it can't be tempted to monetise you
Lekhya cannot push you a loan, sell your data, or serve you an ad — not because we promise not to, but because it runs entirely on your phone, has no internet permission, and charges you once, forever.
LekhyaAn app funded by your data
How it makes money
You, once — ₹249 forever
Ads, loan referrals, data
Where your data lives
On your phone
Uploaded to their servers
Your data sold or shared
Never — the app has no third parties
Partners, advertisers, lenders
Spam calls & marketing
Never — no phone number asked
Your number is a lead
Loan & credit-card pushes
Never — it can't
A revenue line
Account & sign-up
None — just open and use
Usually required
Designed for
Your clarity
Engagement
It isn't that we promise not to. It's that the architecture and the business model make it impossible. An app paid for once, by you, has nothing to gain from your data — and an app with no way to send it has no way to try.
Simple, honest pricing
Pay once. Yours forever.
No subscription. No trial that auto-charges. No “premium” that holds your own data hostage.
Free
₹0
- Auto-record for bank, card, UPI & wallet alerts
- Monthly budget, alerts & safe-to-spend
- 12 months of spend-vs-income trends
- Recurring detection & Money Story
- 20 money calculators, all free: SIP, EMI, FIRE, PPF, NPS, FD, RD, gratuity & more
- Encrypted backup & restore, any time
- App Lock, dark mode, green or ink blue
- English & हिन्दी
- Fully offline & private
Lekhya Pro
₹249 one-time, forever
- Everything in Free
- Scheduled encrypted backups (daily or weekly)
- CSV export; CSV, screenshot & PDF import
- Per-category budgets & custom categories
- Savings: accounts, gold & silver, stocks, funds, SIPs, FDs, PPF, Sukanya Samriddhi, EPF, NPS, bonds
- Goals linked to a real holding
- Bill, EMI and investment reminders (SIP, FD, PPF, Sukanya Samriddhi, bonds)
- Tabs (हिसाब) & split groups
- Deeper analytics: top merchants, tags, calendar, custom range & Planning insights
- Year-in-review Money Story
Free to try for 7 days. No card, nothing to cancel.
Get Lekhya, then upgradeFAQs
Questions people ask first
Short answers here; the full list covers setup on Android and iPhone, privacy, security, backups and Pro.
Feedback
Tell us what to build next
Found a bug, missing your bank, or wish Lekhya did something more? A person reads every message.
Personal means private.
Everything you track. Nothing you share. Download Lekhya and start in seconds — no account needed.
Coming soonApp Store
GET IT ONGoogle Play
निजी यानी सिर्फ़ आपका। सब कुछ दर्ज, कुछ भी साझा नहीं।