Smart plans. Calmer months.Built for Indian households
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CLEAR NUMBERS. CALMER MONTHS.

A budget that gives every rupee a job.

MyBills Tracker turns a blur of UPI spends, EMIs and bills into one clear plan — your first complete budget in under 15 minutes, then monthly discipline reports that keep you honest with yourself.

Under 15 minutesGuided, no jargon
India-first70+ real categories
Private by designFigures stay with you
THE PROBLEM

Earning more hasn't made money less stressful.

If any of these four sound familiar, MyBills Tracker was built for you.

The disappearing salary

Salary arrives on the 1st. By the 20th it's gone — and you genuinely can't name where a third of it went. UPI made spending invisible.

One emergency from debt

A single hospital bill, vehicle breakdown or job gap would force you to borrow. There's no cushion — and you know it.

EMIs run the household

Home loan, vehicle loan, card dues — instalments decide what's left for the family, instead of the other way round.

Retirement is a question mark

You save "something" in PF and a policy, but have no idea whether it's remotely enough — and no way to find out.

Sound familiar? Here's how MyBills Tracker fixes each one ↓

THE SOLUTION

Everything your money needs, in one honest tool.

From your first guided budget to monthly bank-statement reports — planning, tracking and improving, without the spreadsheet pain.

Find untracked spending

Most households can't name where 10–15% of income goes — up to ₹9,000 a month on a ₹60,000 salary. MyBills Tracker puts a number on every rupee.

Bank statement → report

Upload your monthly statement; MyBills Tracker auto-categorises it and shows planned vs actual for every category — your personal discipline report.

Four risks, auto-checked

Emergency-fund gap, EMIs above 40%, missing term cover, retirement shortfall — flagged automatically every time your budget changes.

See ten years ahead

Salary growth, inflation and returns modelled year by year — including the moment your investments start outrunning your expenses.

Nine proven principles

50/30/20, Pay Yourself First, Zero-Based, FIRE, Debt Snowball and more — see your numbers through every framework and pick what fits.

Reports worth showing

Export a clean PDF, Excel or Word report — the kind you can put in front of your CA, your bank manager, or your spouse with confidence.

More than an expense tracker.

Trackers tell you what already happened. MyBills Tracker is a planning system — it gives every rupee a job before the month starts, then measures how well the plan held. Green is what you kept. Orange is what you spent. The goal is simple: more green, calmly.

70+India-first expense categories
9Financial principles, one view
10 yrWealth & expense projections
₹0To start — free forever
YOUR MONEY, MADE VISIBLE

Read-outs that change behaviour.

Three of the live insights MyBills Tracker computes from your numbers. Green means growing; orange means watch it.

EMI load gauge

Total EMIs as a share of income
38% of income on EMIs 40% limit

Reading: close to the 40% ceiling — MyBills Tracker warns before the next loan pushes you over.

Wealth projection

₹12,000/month invested at 12% return
Yr 1 Yr 10 ₹27.9L

Reading: steady SIPs compound quietly, then dramatically. Constant-rate illustration — not a forecast.

Lifestyle Inflation Index

Spending growth ÷ income growth
0.62 1.0 = creep 0 1.3 Raises being saved, not absorbed.

Reading: below 1 means income is outrunning spending — tracked automatically from your monthly snapshots.

THE PROCESS

Under 15 minutes to your first budget.

Then about 10 minutes a month to stay on it.

3 MINUTES

Answer guided questions

Family, incomes, dependents, debts, goals — simple selections, no jargon.

8 MINUTES

Fill what applies

70+ India-first categories; empty fields count as zero. Live totals as you type.

2 MINUTES

Pick a principle

Start with 50/30/20. MyBills Tracker instantly shows how your numbers compare.

2 MINUTES

Get report & alerts

Full analysis, four risk checks, projections, and an export-ready report.

BUILT FOR FAMILIES LIKE YOURS

What a month with MyBills Tracker looks like.

The bank upload showed ₹7,400 of monthly spending I couldn't account for — food delivery and forgotten subscriptions, mostly. Redirecting half of it now funds a new SIP.

SP
Salaried professionalBengaluru · dual income

The projection said my savings covered only 40% of retirement. Painful to see at 34 — but that's the age where you still have time to fix it. The plan changed that week.

BO
Business ownerChennai · single income

Scenarios are illustrative of intended use, based on early testing — not verified customer endorsements.

SAY HI — ABOUT MyBills Tracker

Built by people who also wondered where the salary went.

MyBills Tracker started with a simple frustration: no budgeting tool understood joint families, chit funds, school fees paid termly, LPG cylinders and parents' support. So we built one that does — free, browser-based, India-first.

We're in early access, which means every message gets read and early users directly shape what gets built next.

Write to us
Honesty over marketingOur limitations are documented openly in the Guide — manual entry, browser storage, categorisation accuracy and all.
Education firstEvery principle explained, every term defined. MyBills Tracker should make you more financially literate, not more dependent.
Responsible referralsWe may earn disclosed commissions — but we will never present a credit product as the solution to a budget deficit.
LEARN WHILE YOU PLAN

Short reads that change how you spend.

The 50/30/20 rule, on an Indian salary

What ₹30,000 of "needs" actually covers on a ₹60,000 take-home — and the moment the rule tells you your rent is too high.

Lifestyle inflation: the raise that vanished

Why a 12% increment often leaves nothing behind by March — and the one index that catches it early.

Snowball vs Avalanche: which debt first?

Two proven payoff orders, one motivational and one mathematical. How to pick the one you'll actually stick to.

QUESTIONS, ANSWERED

Everything people ask before starting.

Your budget figures stay in your browser and are not uploaded to our servers. MyBills Tracker does use analytics, advertising and affiliate-tracking services that collect limited non-financial usage data — the Privacy Policy lists exactly what. Since data lives in your browser, export your report monthly as a backup (an account will add cross-device safety).
No catch, just transparency: MyBills Tracker is funded by optional Plus subscriptions (₹49/month), advertising, and disclosed referral commissions when you choose a financial product through a clearly-marked link. Commissions are paid by providers, never by you, and never change how options are ranked.
No — guest mode gives you the complete planner with data stored on your device. An account keeps your budget and monthly history safe across devices and browser clears.
Any .xlsx, .xls or .csv with Date, Description and Amount columns — the standard net-banking download from HDFC, ICICI, SBI, Axis, Kotak and most other Indian banks. Processing happens in your browser; the file isn't uploaded. Do verify auto-categorised entries — keyword rules occasionally mislabel.
No. MyBills Tracker provides general financial education and planning tools — it is not a SEBI-registered adviser or an IRDAI/RBI-regulated intermediary, and cannot assess product suitability for you. For significant decisions, consult a qualified professional.
Manual entry (no automatic bank sync yet), keyword-based categorisation that needs a quick review, browser-only storage in guest mode, and projections that assume constant rates. The full "Known limitations" section lives in the Guide — we'd rather you read it there than discover it the hard way.
FREE DOWNLOAD

The Month-End Money Checklist.

Twelve checks in ten minutes: snapshot your month, review budget vs actuals, read your lifestyle-inflation index, and set one fix for next month. The exact routine MyBills Tracker is built around.

One useful email, no spam, unsubscribe anytime.
PRICING

Free for everyone. ₹49 if you want more.

The complete planner is free — not a trial. Plus supports the tool and adds convenience.

EVERYONE

Free

₹0 forever

Everything you need to plan, track and improve.

  • Guided setup, all 70+ categories
  • All 9 principles & risk alerts
  • Bank upload & discipline reports
  • PDF, Excel & Word exports
  • 12 months of history
SUPPORTERS

Plus

₹49 /month · or ₹490/year

Two months free on annual. Cancel anytime; 7-day refund.

  • Everything in Free
  • Unlimited history (36+ months)
  • Ad-free experience
  • Priority email support
  • Early features & clean PDF branding
How MyBills Tracker stays free. Besides Plus subscriptions, MyBills Tracker may earn advertising revenue and referral commissions when you choose a financial product through clearly-marked links — at no extra cost to you, never affecting how options are ranked. Every such link is disclosed where it appears. MyBills Tracker provides education and comparison, not personalised financial advice. Read the full Affiliate Disclosure

The month is going to happen anyway. Have a plan for it.

Free account, 15 minutes, and you'll know exactly where every rupee goes.