900 million Indians earn money every day.
Not one app speaks their language.
DhanRakh is the first personal finance app built for India's informal economy. Voice-first. Offline-ready. 23 Indian languages. Free forever.
Why DhanRakh?
900 million workers, zero tools
63% of India's workforce is in the informal economy. Auto-drivers, shopkeepers, tailors, daily-wage workers — they manage lakhs in cash with nothing but memory and a worn diary.
Everything is in English
Finance apps say "Budget", "Recurring Transactions", "Categories". An auto driver in Lucknow just wants to know: "How much did I earn today, how much did I spend?" In his language.
No internet? No app.
40% of India has unreliable internet. Most finance apps can't even open without connectivity. Your money tracker should work everywhere — online or offline.
You don't need an MBA to track money
Most finance apps require 3 tutorials to understand. DhanRakh works by voice — speak your expense, it gets tracked. That's it. No charts you'll never read.
Built For You
Auto Driver
LucknowTracks daily fares, fuel costs, and who owes him money — all by voice between rides.
Kirana Store Owner
IndoreManages inventory, customer udhar, and shop expenses without touching a spreadsheet.
Tailor
VaranasiRecords cloth purchases, customer orders, and daily income in Hindi — even offline.
Salaried Employee
PuneBudgets across categories, tracks EMIs, and gets AI reports for tax season.
Everything You Need
From voice-based expense tracking to a digital will builder — 175+ features designed for real Indian life.
Voice Entry
Speak to track expenses
Say "250 rupees for vegetables" in any of 23 Indian languages. Auto-categorized. No typing needed.
Offline First
Works without internet
Core features run entirely on your device. Data syncs automatically when you reconnect. Zero data loss.
UPI Auto-Import
Track digital payments
Automatically imports SMS from GPay, PhonePe, Paytm, and bank apps. No manual entry for digital transactions.
Smart Categories
AI-powered organization
Expenses auto-categorized from voice and UPI data. Custom budgets per category. No setup required.
Udhar Tracking
Who owes you, who you owe
Track informal debts and lending. Send WhatsApp reminders. See your full udhar ledger at a glance.
Bill Reminders
Never miss a payment
Set reminders for rent, electricity, EMI, LIC, or any recurring bill. Get notified before the deadline.
Gold & Chit Funds
Track Indian investments
Log gold purchases at live rates. Track chit fund contributions and auctions. Indian-first financial tools.
Shop Inventory
For shopkeepers & small businesses
Track items, prices, stock levels. Manage customer ledger. Built for kirana stores, tailors, and small shops.
AI Reports
Understand your money patterns
Weekly and monthly reports in plain language. Spending patterns, savings tips, and loan readiness score.
Will Builder
Secure your family's future
ISA-compliant digital will. Add nominees, death triggers, and encrypted document vault. Aadhaar eSign ready.
Simple, transparent pricing.
The free tier is genuinely useful. Upgrade when you're ready — no pressure. Ever.
Free
Full expense tracker — for everyday use
- Voice + manual expense entry
- Auto-import UPI (50/month)
- 3 budget categories
- 5 bill reminders
- 1 savings goal
- Debt tracker
- Daily nudges + streaks
- Home screen widget
- 23 Indian languages
Plus
Gold, chit fund, and shop tools unlocked
₹449/year (₹37/mo)- Everything in Free, plus:
- Unlimited auto-import
- Unlimited budget categories
- Gold & chit fund tracking
- Cash register (shop tools)
- 50 stock items
- Photo receipt attach
- CSV export
- 5 savings goals
Pro
AI reports, tax tools, full power
₹1,349/year (₹112/mo)- Everything in Plus, plus:
- AI financial reports
- Loan readiness score
- OCR notebook scan
- PDF export (dual language)
- Tax estimation + CA export
- Customer ledger (shop)
- Insurance tracking
- Google Drive backup
Estate
Digital will builder + document vault
₹2,699/year (₹225/mo)- Everything in Pro, plus:
- Will builder (ISA-compliant)
- Aadhaar eSign
- Death trigger & nominees
- Secure document vault
- Family tree builder
- Property documentation
- Priority support
All plans include: 23 languages, offline mode, bank-level encryption, and zero ads. Cancel anytime.
Frequently Asked Questions
Is DhanRakh really free?
Yes. The Free tier includes voice entry, UPI auto-import, budgets, bill reminders, debt tracking, and all 23 languages. No catch, no trial period. Free forever.
Which languages are supported?
All 23 official Indian languages: Hindi, Bengali, Telugu, Marathi, Tamil, Gujarati, Kannada, Malayalam, Punjabi, Odia, Assamese, Urdu, Maithili, Santali, Kashmiri, Nepali, Sindhi, Dogri, Manipuri, Bodo, Konkani, Sanskrit, and English.
Does it work without internet?
Yes. Core features — expense tracking, voice entry, budgets, and debt tracking — work completely offline. Data syncs automatically to the cloud when you reconnect.
How does voice entry work?
Open the app, tap the mic, and say your expense in any supported language. For example: "250 rupees for vegetables" or "दो सौ पचास रुपये सब्ज़ी का खर्चा". The app transcribes, categorizes, and records it automatically.
Is my financial data safe?
Every database row is protected by row-level security (RLS). Voice processing happens on your device — never uploaded. We never sell data. You can export or delete everything at any time.
Can I use it for my shop or business?
Yes. Plus plan includes shop inventory, stock tracking, and cash register. Pro adds customer ledger and tax tools. Built specifically for kirana stores, tailors, and small businesses.
How is this different from other finance apps?
Most finance apps target English-speaking, salaried urbanites. DhanRakh is built from scratch for India's informal economy — voice-first, offline-ready, in 23 languages, with tools for cash tracking, udhar, gold, and chit funds.
What about UPI auto-import?
DhanRakh reads SMS from GPay, PhonePe, Paytm, and bank apps to automatically import your digital transactions. No screen sharing, no login credentials needed — just SMS permission.
What is the Will Builder feature?
The Estate plan includes a digital will builder compliant with the Indian Succession Act. Add nominees, witnesses, property details, and secure documents in an encrypted vault. Supports Aadhaar eSign.
When is DhanRakh launching?
We're building in public and approaching launch. Join the waitlist to get early access and be the first to try it. We'll notify you via WhatsApp when it's ready.
Track your money. In your language.
Completely free.
DhanRakh is launching soon. Join the waitlist for early access.
Thank you! 🙏
You'll be the first to know when DhanRakh launches.