Features
Money you can finally follow.
Write down what you spent in one plain sentence. Journy files it, adds it up, and tells you what today can hold.
Everything below is the real app, running. Each figure is computed as you scroll, by Journy’s own code, over a sample ledger built for the demonstration.
01Capture
One sentence. That is the whole entry.
Type it the way you would say it out loud. Journy reads the amount, the date, the merchant and the category, and fills the rest in.
The amount, date, category, tags and payment method appear here.
Journy’s own parser. No AI key involved.
Or say it out loud, or bring a bank statement in as CSV. Correct a merchant once and it stays corrected.
02See everything
One number for everything you own and owe.
Banks, the credit card, cash in the drawer, what you have invested, and the four thousand a friend still has.
Net worth
₹10,76,047
- Banks and cash+₹7,21,1693 accounts, balances derived from the ledger
- Investments+₹7,64,300What the holdings are worth today, tracked by hand
- Lent out+₹5,000Money in the world, expected back
- Credit card−₹3,89,422Spent this cycle, not yet paid
- Borrowed−₹25,000Money you still owe someone
Sample ledger, totalled live.
Balances work themselves out from the ledger, so nothing needs reconciling — and there is no bank to connect.
03Understand
Six ways of looking at the same six months.
Not six dashboards. One ledger, seen through six lenses, each answering a question you have genuinely asked yourself.
Where did it actually go?
- Housing42%₹92,000
- Food20%₹44,249
- Financial14%₹31,000
- Shopping10%₹20,846
- Transportation7%₹15,556
- Healthcare7%₹15,498
Sample ledger, computed live.
Where there is not enough data yet, Journy says so instead of drawing something.
04Stay ahead
What today can hold, after everything already promised.
One number, and the five lines behind it. A figure you cannot check is a figure you will not trust.
Safe to spend today
₹1,388
What is left after everything already promised, spread evenly across the days still to come. Spend it without checking anything else.
Why this number
- 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
Five lines, no model, no black box. Journy shows the working for every estimate it makes, and marks it as an estimate rather than a fact.
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
Next 45 days
- Spotify24 Aug 2026₹119 a monthA reminder goes out before this one
- Adobe Creative Cloud27 Aug 2026₹4,230 a monthA reminder goes out before this one
- 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.
Subscriptions, rent, EMIs, insurance and SIPs are one list, and the annual premium lands in the month it actually lands in.
05Plan ahead
The next six months, drawn honestly.
History is a solid line. The forecast is dashed, inside a band, with its assumptions in plain words. Toggle a decision and it genuinely re-bends.
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.
Every projected figure is labelled an estimate and drawn as one. A forecast that looks like a fact is the most dishonest thing a money app can draw.
06Ask Journy
You should not have to search your own money for an answer.
Ask in plain English, or in the Hindi-English you actually speak. Journy works it out from your records and shows you what it read.
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.
Every figure is summed in code on your device. The AI is a language layer and is structurally not allowed to produce a number.
Make it a place you want to open.
Four themes and twelve accents, every combination checked for contrast rather than assumed to be fine. Install it to your home screen and it keeps working without a signal.
Moonlight
Blue • Magenta • Green
₹2,480
Dark, with the colour turned up. The whole app moves with it, charts and all.
Everything in Journy
The full list
Capture
- Quick addAmount, category, account, tags and note, in one sheet.
- Plain-sentence entry“Spent 850 on dinner yesterday via UPI” becomes a filled-in transaction. A deterministic parser, so it needs no AI key.
- 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 expensesBoth first-class, with irregular freelance income treated as normal rather than as an edge case.
Your whole picture
- Multiple accountsBanks, credit cards and cash in hand, each with derived balances rather than a number you maintain.
- 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 tagsTwenty-four shelves out of the box, tags for the second level, both editable.
- 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 heatmapThirteen weeks of days, shaded against your own quintiles rather than a fixed rupee threshold.
- 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.
- BudgetsA monthly allowance per category, burn computed from the ledger rather than stored.
- 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.
- SimulationsToggle a decision and the projection genuinely re-bends.
- GoalsA target, a date and what you have put aside so far.
Ask and personalise
- Ask JournyQuestions about your own money, answered by a deterministic router that cites what it read. Hindi-English is understood.
- Optional AI narrationOnly for questions the router declines, only with your own Gemini key, and only ever over totals already computed on your device.
- 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.
It is free, and it takes about a minute. The first screen is honest about having no data yet — then you add one thing, and it begins.
Already have an account? Log in. Wondering how your data is held? Read that first.