See where every rupee goes
Add a statement and get spending by category, monthly budgets, subscriptions and bills, sorted automatically.
Your money companion, made in India
Money,
but make it
a game.
See where every rupee goes, discover your money animal, and level up with streaks and quests. No bank login needed.
- Free to use
- Works in your browser
- PDFs stay on your device
Your money personality
Which money animal are you?
Answer 9 quick questions and get matched to one of six animals, with a plan that fits how you actually handle money.
Take the 2-minute quiz
Tiger
The Focused Saver
One app for your money
Less spreadsheet.
More progress.
Scan & pay, then remember
Scan any UPI QR, pay in your own UPI app, and keep a record of what it was for.
Quests that pay off
Short missions like finding old PF or comparing tax regimes. Earn XP while you sort your money out.
Handy money tools
Tax regime, loan cost and salary calculators, plus who-owes-me tracking and a scam checker.
Goals you can see
Bike, trip, emergency fund. Set a target and watch the ring fill.
All your investments in one view
Search 16,000+ Indian stocks, mutual funds, ETFs and bonds. Add what you own, and track your net worth with PF, FDs and gold.
Private by design
Your statement stays on your device.
Moneluma reads your PDF right in the browser, so the file is never uploaded. What you save is encrypted before it’s stored.
- No bank login. We never ask for your netbanking password.
- Encrypted before it’s stored. Each person has their own key.
- Never sold. Your data isn’t a product.
- Yours to delete. Delete your account, and your saved data becomes unreadable.
Unfamiliar bank layout?
On your device
01/10/26 UPI-Asha Sharma-asha@okbank 1,250.00 48,300.00
All our AI layout helper can see
99/99/99 xxx-xxxx xxxxxx-xxxx@xxxxxx 9,999.99 99,999.99
An example row, not real data. Names, payees and amounts never leave your device.
How it works
Up and running in minutes
- 1
Sign in with email or Google
No app to install. It opens right in your browser.
- 2
Meet your money animal
Nine quick questions build a 30-day plan around you.
- 3
Add a statement or a goal
See your spending, set targets, and start your streak.
Questions
Good to know
Is Moneluma free?
Yes, it’s free to use right now.
Which banks does it work with?
It reads Kotak, IDFC FIRST, Google Pay and UPI app history. It’s also built for other bank statements that show a running balance. If a layout can’t be read reliably, it tells you and saves nothing. Scanned PDFs and most credit card statements aren’t supported yet.
Does Moneluma move my money?
No. When you scan and pay, the payment happens in your own UPI app. Moneluma only keeps a record.
Does it show live stock prices?
Not yet. You can search stocks and add what you own at the price you paid. Mutual funds use their published NAV.
Is this investment advice?
No. Moneluma is for tracking and learning, and doesn’t recommend specific products.
Who can read my data?
Your data is encrypted before it’s stored, so the storage provider sees only scrambled text. We manage the encryption keys, which lets us restore your data, so it isn’t end-to-end encrypted. Read the Privacy Policy.
