Lekhya

Lekhya is a personal finance manager that runs entirely on your phone. No account. No cloud. No ads. Nothing about your money is ever uploaded, sold or shared — because the app has no internet permission at all. You can check that yourself in Settings → App info → Permissions. Lekhya means "that which is written". It is your ledger, kept private. ━━━ PRIVATE BY DESIGN ━━━ • No internet permission — verify it in your phone's own settings • No sign-up, no email, no phone number, no profile • No analytics, no trackers, no advertising SDKs • Your data is never sold, shared or used to market anything to you • No loan offers, no credit-card pushes, no spam — not now, not later • You own everything: export, restore or delete it whenever you like ━━━ MONEY IN, WITHOUT THE TYPING ━━━ • Reads bank and UPI payment notifications on your device and files each one — merchant, amount and a suggested category, ready in seconds • Share or copy a bank message into Lekhya and it parses it locally • Add from your Lock Screen, or by long-pressing the app icon • Every entry stays editable. You are always in control ━━━ UNDERSTAND YOUR MONEY ━━━ • A clear monthly picture: spent, received, and what is safe to spend today • Spending by category and 12 months of spend-vs-income trends • Quiet, on-device insights when a category jumps or a spend looks unusual • Money Story — your month summed up: savings rate, top categories, no-spend days ━━━ BUDGETS THAT HELP ━━━ • A monthly budget with live progress and a month-end forecast • Gentle alerts at 80% and 100% — never shame, never a sales pitch • Per-category envelopes (Pro) ━━━ PLAN AHEAD ━━━ • Commitments — EMIs, rent and subscriptions detected automatically, plus your own • Savings — net worth across accounts, gold and silver, stocks, mutual funds, SIPs and fixed deposits, all entered and owned by you • Goals you can link to a real holding • Split — shared expenses with friends and family, and who owes whom • Bill, EMI, SIP and FD reminders (Pro) ━━━ YOURS TO KEEP ━━━ • Encrypted .lkh backups (AES-256-GCM) locked with a passphrase only you know • CSV export, and CSV import for your holdings (Pro) • App Lock with fingerprint, face or device PIN • Dark mode, a green or blue theme, and full English and हिन्दी — all free ━━━ LEKHYA PRO ━━━ One payment of ₹249. Forever. Not a subscription, nothing to cancel. Everything is free to try for 7 days from install — no card, no signup. Pro unlocks per-category budgets, custom categories, bill/EMI and SIP/FD reminders, the savings and investment trackers, split groups, CSV import and the year-in-review Money Story. Lekhya cannot show you an ad, sell your data or offer you a loan — it has no way to reach the internet, and it is paid for once, by you. Made in India, for India. ₹ lakh and crore formatting throughout.