Features
See what your money
is doing for you.
See where your income goes, what’s left after bills, and how your plans are coming along. Try the tools below with sample data.
Type a payment, explore a chart, or ask a question. These examples use the same calculations as your Journy account.
Working examples with sample data dated 20 August 2026. Your own account starts empty.
01Capture
Log it in your own words.
Type what you paid for. Journy picks out the amount, date and category for you to check before saving.
Plain-text sample. This works without an AI key.
You can also import a statement as CSV, review it, and check for duplicates. Voice capture uses your own Gemini key.
02See everything
See every account in one place.
Open your bank accounts, cash, credit cards and investments without losing the whole picture.
Your whole picture
₹10,61,328
Accounts + investments − card spending- Banks & cash
- ₹3,67,759
- Investments
- ₹7,64,300
- Credit card spending
- ₹70,731
Choose a card. See what’s inside.
Interactive sample · Opening balances plus 1–20 Aug 2026 activity. Your account starts empty.
Sample ledger, totalled live.
You enter starting balances yourself. Linked transactions update them. Journy doesn’t connect to your bank or broker.
03Understand
Find the habits behind your spending.
Compare categories, see which days cost more, and check what changed your balance. Each view answers a different question.
What makes up your month?
- 37%₹92,000
- 18%₹44,249
- 12%₹31,000
- 8%₹20,846
- 6%₹15,556
- 6%₹15,498
- 4%₹10,000
- 8%₹19,727
Choose a label or explore the ring to see its share.
Sample ledger · 20 Aug 2026. Creator income and tags are illustrative. Each payment counts once. Smaller categories are grouped.
Sample ledger, computed live.
If there isn’t enough data for a score or insight, Journy says so.
04Stay ahead
Know what’s left after bills.
Your safe-to-spend estimate accounts for the money already set aside. Open the details to see how it was worked out.
Safe to spend today
₹1,388
Daily estimate · Sample monthWhat is left after everything already promised, spread evenly across the days still to come. An estimate based on what you’ve recorded, not a spending guarantee.
See how it’s worked out
- Money in this month: ₹1,46,717
- − spent so far: ₹1,11,039
- − bills still to pay: ₹4,349
- − a 10% cushion, so this is never the last rupee: ₹14,672
- = ₹16,657, spread across the 12 days left
Journy shows the working and labels this as an estimate. In your account, it depends on the income, spending and bills you’ve recorded.
Safe to spend, with its working.
Every month
₹40,679
7 commitments, from a ₹119 subscription to the rent
Every year
₹4,88,152
The same set, seen at the scale people actually decide on
Coming up next
Next 45 days- Spotify24 Aug 2026₹119 a monthComing up soon
- Adobe Creative Cloud27 Aug 2026₹4,230 a monthComing up soon
- Rent, Indiranagar3 Sep 2026₹32,000 a month
- Netflix7 Sep 2026₹649 a month
- Airtel Fiber11 Sep 2026₹1,199 a month
- Cult.fit21 Sep 2026₹1,499 a month
Sample commitments, totalled live.
Keep rent, EMIs, subscriptions and insurance payments in view, including bills that come once a year.
05Plan ahead
Try a change before you make it.
See how changing a recurring payment could affect your forecast. Past activity stays solid; estimates use a dashed line.
Net saved, projected six months out
₹3,14,241
Try a decision, drawn from your own history
- Trend: your median monthly net over the last 6 months (₹35,678/mo)
- Band: how much your months actually varied, widening with distance
- This is an estimate, not a promise, one changed habit bends the line
Projected live from the sample ledger.
Forecasts depend on the assumptions shown below. They’re estimates, so real results can differ.
06Ask Journy
Ask about the month you’ve had.
Ask in English or Hindi-English. Journy looks through your transactions and shows where the answer came from.
You asked: What did I spend this month?
₹1,11,039.00 went out this month. The largest single share went to Rent, Indiranagar, at ₹40,000.
Live. Ask it something.
Journy works out the numbers. Optional AI explains them using your own key: why the AI never does the maths.
Make it feel like your space.
Choose one of four themes and a colour you like. After signing in, you can install Journy on your home screen and keep logging when you’re offline.
Read about how your data is protected.
Moonlight
Azure Bloom
Your month
A dark background with more colour. The app’s surfaces and controls follow your choice.
Everything in Journy
The full list
Capture
- Quick addAmount, category, account, tags and note, in one sheet.
- Plain-sentence entryType “Spent 850 on dinner yesterday via UPI”, then check the details before saving. No AI key needed.
- Voice captureSpeak a transaction, review what was understood, save. Needs your own Gemini key; the audio is never stored.
- Automatic categorisingMerchant names are matched against a keyword engine and against how you filed that merchant before.
- CSV importBring a bank statement in, with a preview of every row before anything is written.
- Income and expensesTrack money in and out, including freelance payments that arrive at different times.
Your whole picture
- Multiple accountsAdd bank accounts, credit cards and cash. Enter a starting balance; linked transactions update it.
- Cash in handPhysical money is an account like any other, so the ledger is not quietly incomplete.
- Lent and borrowedMoney between people is a debt, never spending, and never counted in a category total.
- InvestmentsHoldings tracked by hand, with an optional spreadsheet import. Value and invested base stay separate figures.
- Net worthAccounts, holdings and debts resolved into one number, with every part of it visible.
The ledger
- MoneyEvery transaction, grouped by day, with the month's shape above it.
- Search and filtersBy text, category, tag, account, kind, amount and date range.
- Categories and tagsUse the built-in categories or make your own, with tags to organise transactions further.
- TransfersMoving money between your own accounts changes nothing about income or spending.
- Export and importYour whole ledger as JSON, whenever you want it. The format is versioned and does not break.
Understanding
- Spending ExplorerDonuts, lines and bars over any range, filtered by category, tag, account or merchant.
- Behaviour heatmapCompare thirteen weeks of spending. Darker shades show higher-spending days relative to your own history.
- Spending rhythmWeekday against weekend, and what payday does to the days after it.
- Financial healthSix dimensions, each with the formula written out. A dimension without enough data is left blank.
- Balance waterfallEvery reason the balance moved this month, biggest first.
- Money habitsWhat repeats, how often, the typical size, and what it comes to in a year.
- Unusual activityDuplicate charges, category surges and new recurring payments, each with its evidence.
Deciding
- Safe to spendA daily number after commitments and a cushion, with the arithmetic shown in full.
- BudgetsSet an amount for each category and compare it with what you’ve spent that month.
- Subscriptions and paymentsSubscriptions, bills, rent, EMIs, insurance and SIPs as one set, monthly and yearly.
- RemindersA notice before a payment lands, on the lead days you choose.
- Spending forecastWhere the next months are heading, drawn as an estimate and never as a fact.
- Financial timelineGoal dates, projected milestones and the heavier months ahead, on one line.
- SimulationsTry a change in spending and see how it changes the forecast.
- GoalsA target, a date and what you have put aside so far.
Ask and personalise
- Ask JournyAsk in English or Hindi-English. Answers show the transactions or information they came from.
- Optional AI narrationUse your own Gemini key for help explaining your financial information. You choose what context it can use; Journy supplies the computed figures.
- Four themesDaylight, Midnight, Moonlight and Ink.
- Accent colourTwelve presets or your own, with contrast checked rather than assumed.
- Install to home screenJourny installs as an app and keeps working offline once you are signed in.
Start with one transaction.
Create your account, add where your money sits, and log your first payment. You can bring in older transactions later.
Already have an account? Log in. Wondering how your data is held? Read that first.