FAQ¶
Answers to the most common questions about TrackMyRupee.
General¶
Is TrackMyRupee free?¶
TrackMyRupee has a Free plan that covers core expense tracking, budgets, and accounts. Plus and Pro plans unlock advanced features like Loans, Goals, bulk subscriptions, and email summaries. See trackmyrupee.com/#pricing for current plan details.
Does the app connect to my bank or read my SMS?¶
No. TrackMyRupee is privacy-first by design. It does not read SMS, connect to net banking APIs, or access your bank statement. You log transactions manually (or by typing a quick line like swiggy 320 upi into the one-line box on the Add Expense page). This is a deliberate choice. See Philosophy for the full reasoning.
Is my data safe?¶
We never sell your data, read your SMS or ask for bank logins, and data is encrypted in transit (HTTPS). No online service is risk-free, so see the Privacy Policy and Security page for what we collect and how we protect it. If you prefer to host your own instance, see Self-Hosting; then your data stays on your own server.
Can I use TrackMyRupee in currencies other than rupees?¶
Yes. Each transaction and account has its own Currency field. The app supports INR, USD, EUR, GBP, and more. Set your preferred display currency in Settings → Profile.
Accounts and Data¶
What happens if I delete an account?¶
The account is hidden and no longer counts in your net worth, but nothing is lost: its transactions stay linked to it and you can bring it back from the Inactive tab on the Accounts page (as long as your plan has room for it). Because every transaction needs an account, you cannot post new ones to a deleted account. See Accounts and Net Worth for details.
How do I delete my whole TrackMyRupee account?¶
Go to Settings and choose Delete account (or Withdraw consent, which does the same). You are asked to confirm, signed out at once, and your data is deleted in the background: transactions, accounts, goals, loans, notifications and the history of emails we sent you. If you pay by an auto-renewing subscription, it is cancelled so you are not charged again. You get one confirmation email when it is done. We keep the record of any payment you made (amount, date, plan and the email it was made under) for our accounts and for payment disputes; it is no longer linked to a login. This cannot be undone. To keep a copy first, use Settings → Export Data (free on every plan).
How do I change my email address?¶
Open Settings → Profile, type the new address and save. We send a confirmation link to the new address, and your sign-in email changes only when you open it, so a typo or someone else's address can never take over your account. Until then you keep signing in with the old one. An address that already belongs to another account is refused.
How do I fix my opening balance?¶
Go to Accounts → [your account] → Edit (pencil icon). Update the Initial Balance field and save. The change takes effect immediately and all future net worth calculations will use the corrected baseline.
How do I handle a joint account?¶
Create the account once under one user's TrackMyRupee account and log all transactions manually. There is no shared-account multi-user sync at this time.
Transactions¶
Why should I use "Internal Transfer" instead of logging an Expense and Income?¶
A transfer moves money between accounts you already own. It does not change your net worth. Logging it as Expense and Income double-counts it, inflating both your total income and total expense figures in Analytics. Always use Add → Internal Transfer for account-to-account moves. See Transfers.
Can I import transactions from a spreadsheet?¶
Yes. Go to Sidebar → Expenses → Upload and choose an .xlsx or .csv file, the currency of the amounts, and the account they were paid from (every expense is charged to an account). The app recognises the Date, Amount and Description columns from their headings, and uses a Category column if there is one, or guesses a category if not. Rows that look identical to one you already have, or that repeat an earlier row of the same file exactly, are skipped as duplicates. A file can be up to 5 MB and 5,000 rows; split a bigger one. If the Amount column mixes signs, as in a bank statement, the sign most rows have is taken as spending and the other rows (salary, refunds) are left out and counted in the summary. A row with no category gets a match from your own categories or past entries, otherwise Other; a column called Transaction Type is never used as the category. A date written without a year (such as 15 Dec) means the most recent such date, never one in the future. Only one import can run at a time. On the Free plan the monthly expense limit also applies to imports: rows dated in the current month beyond the limit are skipped and the upload summary tells you how many.
What is a Capital Event and when should I use it?¶
A Capital Event is a large, one-off payment such as a car down-payment, home renovation advance, or lump-sum medical bill that you do not want distorting your monthly average charts. It still appears in your cash flow and net worth but is excluded from budget calculations. As a rule of thumb: if the amount is large enough to make your average monthly expense chart look abnormal for months, log it as a Capital Event. See Capital Events.
Why does the new expense form show a "Check" tag on some fields?¶
After you type a line such as uber to airport 450 upi, TrackMyRupee fills in what it understood and marks those fields Auto. If it was not sure about something, usually the category, the field is marked Check and left for you to choose. Pick it once, and the app remembers your choice for that kind of expense next time. See Adding Expenses.
I added an expense by mistake. Can I undo it?¶
Yes, for ten minutes. Right after you add an expense, a message appears with an Undo button. After those ten minutes, delete the expense from the Expenses list instead.
Why did the app ask "Is that right?" before saving my expense?¶
Amounts of ₹1,00,000 or more get a second look, which catches an accidental extra zero. You can confirm it, edit the amount, or choose Log as Capital Event instead, which is the right home for one-off big payments. See Capital Events.
What does "auto-posting" mean for recurring transactions?¶
When a recurring transaction's scheduled date arrives, the TrackMyRupee engine automatically creates a new ledger entry. You do not need to manually log it. It appears in your Transactions list, Expenses or Income list, and any relevant Budget bar. See Recurring and Subscriptions.
Budgets and Analytics¶
My budget bar shows 0% even though I have logged expenses. Why?¶
The budget bar only counts expenses in categories that have a limit set. If a category has no rupee limit, it appears in the list but without a bar. Click the pencil icon next to the category to set a limit.
What is the Financial Health Score?¶
A score from 0 to 100 calculated from your year-to-date savings rate:
| Score | Label | Savings rate |
|---|---|---|
| 10 | Needs attention | Negative (spending exceeds income) |
| 40 | Needs improvement | 0 to 20 percent |
| 70 | Stable | 20 to 30 percent |
| 95 | Wealth Builder | 30 percent or more |
Expand the Health Breakdown section on the Analytics page to see four component metrics: Savings Rate, Expense Growth, Consistency (positive-savings months out of last 10), and Risk Buffer (months of runway). See Analytics and Health.
How is my savings rate calculated?¶
Savings rate = (Income − Expenses − Loan interest − Capital Events that count towards averages) ÷ (Income − Cashback and Refund income) × 100. The same formula is used on the Dashboard, Analytics, Month on Month, the Transactions page, and the monthly email. See How the Savings Rate Is Calculated for the rules and a worked example.
Why is my savings rate different from what I expected?¶
The usual reasons are: loan principal is not counted as spending (only the interest is), Capital Events are left out unless you turned off their Exclude from Averages & Trends setting, and Cashback and Refund income is not part of the base your rate is measured against. Also check that the pages you compare are looking at the same period and filters.
Loans¶
Why did my loan disappear or turn grey?¶
When the remaining principal on a loan reaches zero, TrackMyRupee automatically marks the loan as inactive (closed). It does not disappear. It is still visible in the Loans list, just marked as closed. A closed loan no longer counts as a liability in your net worth. See Loans.
How do I log an extra prepayment on a loan?¶
Log a Capital Event with the relevant Subtype and link it to the loan via the Linked Loan field. The Loan Detail page will then show the prepayment as part of total capital committed. See Capital Events.
TMR Flows¶
What is TMR Flows, and do I have to use it?¶
TMR Flows is a set of short, guided forms for life events, such as "I took a loan", "I started a SIP", or "I bought a car". One form creates everything connected to the event, properly linked together. You never have to use it. Everything a Flow creates can also be added by hand from its usual page. Flows are simply faster and harder to get wrong. See TMR Flows.
I ran a Flow and made a mistake. How do I fix it?¶
Before you confirm, use the Edit link next to any section on the Review screen. After you have confirmed, there is no single "undo" button, because a Flow creates ordinary items. Edit or delete those items from their normal pages: Loans for a loan, Accounts for cards, deposits and assets, Subscriptions for salary, rent and other recurring entries, and Savings Goals for goals. Please do not run the Flow a second time to fix a typo, because that creates a duplicate.
Why does the Review screen warn me about my plan?¶
Some Flows create things that are limited by your plan, such as loans, accounts, recurring entries, or savings goals. If the Flow would take you over the limit, the warning appears on the Review screen, before anything is saved, with a suggestion to upgrade or remove something you no longer use.
What does "Create historical entries" do?¶
It matters only when the start date is in the past. Off means the schedule starts fresh from the next due date. On means every missed occurrence is posted right away. See the backfill switch.
Searching and Filtering¶
How do I find all my UPI food expenses from last quarter?¶
On the Expenses page, set the time period to Last 3 months, then use + Filter to add a Category filter and a Payment Method filter. The total under the page title updates to match. See Searching, Filtering and Sorting.
Is there a keyboard shortcut to jump to a page?¶
Yes. Press Cmd + K on a Mac, or Ctrl + K on Windows or Linux, to open the page finder, type a few letters, and press Enter.
Mobile and Self-Hosting¶
Is there an Android app?¶
Not currently. The iOS app (built with Capacitor) is available for personal sideloading. The web app at trackmyrupee.com is fully responsive and works well as a Progressive Web App (PWA) on Android. Add it to your home screen from Chrome for an app-like experience.
Can I host TrackMyRupee on my own server?¶
Yes. Full self-hosting is supported via Docker Compose. See Self-Hosting for the step-by-step guide.