Free during open beta

Your money, finally making sense.

Log spending in seconds, see who owes whom at a glance, and get simple, educational insights on where you stand. One calm app instead of five messy ones.

Start free on the webGet the Android app early
The web app works today. Sign up and start in a minute.
Rahul paid you back
+₹1,500
WiseAI
On track to save ₹14k this month
Sound familiar?

Money stress usually comes from not knowing.

Where did it all go?

UPI, cash, cards, wallets. By the 20th the month has vanished and nobody can say where.

Wait, who owes who?

Dinner splits and quick loans live in your head and old chats. Asking for it back feels awkward.

Saving… then what?

You’ve put a little aside. But whether you’re on track for your goals is a guess.

01 · Daily transactions

Every expense, sorted in seconds.

Type "Chai 340" and WiseLedger does the rest. Each entry lands in the right category, so your day, week and month finally add up.

  • Two taps to log. Or just type it the way you'd say it.
  • Auto-categorised: food, rent, transport and more.
  • Daily, weekly and monthly views that show the pattern.
Top category
Food · 26%
Down 9% from August
02 · Borrow & lend

Who owes whom, without the awkward.

Every loan between friends, family or colleagues gets its own chat-style thread. Scroll back through the history and see the balance at a glance.

  • One thread per person, with a running balance.
  • Send a polite reminder in one tap.
  • Settle up fully or in parts. It all adds up.
Your people
Rahulowes ₹4,500
Nehayou owe ₹1,200
Manojsettled
03 · WiseAI insights

Insights that actually know your numbers.

WiseAI looks at your spending, budgets and goals, then tells you what to do next in plain words: where you're overspending, how close you are to a goal, and where cash is sitting idle.

  • Nudges to cut back, with the payoff spelled out.
  • Built around your goals, not someone else's.
  • Every number comes straight from your own data.

Suggestions are educational and not financial or investment advice.

Emergency fund
Now Mar 2027 · was May 2027
How it works

Three steps. No spreadsheets.

Most people are set up in about two minutes.

01
Log

Add what comes and goes

Type it or tap it. Income, spending and loans all go in the same place.

02
Track

See the whole picture

Charts, categories and balances update as you go, so nothing slips through.

03
Grow

Follow a plan that fits

WiseAI turns what’s left into clear next steps toward your goals.

Privacy & security

Your money is personal. We keep it that way.

We built WiseLedger for people who’d never hand their finances to just anyone. Here’s our promise — the full detail is in our Privacy Policy.

Protected in transit

Traffic to WiseLedger is encrypted (HTTPS), passwords are hashed, never stored in the clear, and app lock keeps prying eyes out on your phone.

You add it, we don’t snoop

Nothing reads your bank SMS or UPI apps. You add your own entries, and only you see them.

Never sold. Ever.

We don’t sell your data or show you ads based on it. Our only customer is you.

Android app coming soon.

The web app is live, so you don’t have to wait. Leave your email and we’ll tell you the moment the Android app is on the Play Store.

No spam. One email when the app launches.