DhanRakh · धनरख — protect your wealth

Money sense for India's workers & small shops.

Track cash & UPI by voice, see your money-health score, and grow your savings — offline, in 23 languages. Free.

Get the app — Android See how it works
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Log earnings by voice and see your money-health score at a glance.

  • 23 languages
  • Offline-first
  • Free forever
  • No ads
See it live
(01)The mess today

Your hisab lives in your head. Until it doesn't.

Diary · page torn

"पिछले हफ़्ते का हिसाब?"

gone with the page

WhatsApp · 38 unread

"Ramesh ne kitne diye the?"

"pata nahi, yaad nahi"

Hisab_FINAL.xlsx

last edited 3 weeks ago

Cash drawer

"Aaj ka profit?"

"—?"

Udhar khata

₹2,400

Ramesh · since when?

Bijli bill

"Bhar diya ya nahi?"

due in 2 days?

Sound familiar?

Croresin cash transactions/year — untracked
8 Aprसब्जी ₹250???
9 Aprकिराया ₹1200cash? UPI?
10 Aprबिजली???lost
01

Cash vanishes. Memory doesn't count.

India runs on cash. Auto drivers, vegetable sellers, domestic workers handle lakhs every month — but there's no record. A torn diary page, a fading memory, and when the month ends nobody knows where the money went.

Majorityof the workforce is informal — no payslips, no records
Mostdaily-wage workers can't recall last week's spending
DhanRakh fixes it

Voice entry in 23 languages — say "250 rupees for vegetables" and it's saved instantly. Cash + UPI together, auto-categorized, ITR-ready, fully offline. No typing, no forgetting.

Croresof small shops — most on paper only
Ramesh — udhar₹2,400
Stock — dal 5kg₹450
Today's sale???
Profit this month—?
02

Small shop owners are flying blind.

A typical kirana owner doesn't know his monthly profit. Udhar is tracked by memory, stock is guesswork, payments are "I think Ramesh paid Tuesday." Huge turnover, zero visibility.

Mostsmall shops don't know their real monthly profit
Croreslost every year in untracked udhar across India
DhanRakh fixes it

Cash register, stock alerts, customer ledger and udhar reminders, plus profit/loss reports — all in your language, ITR-export ready. No spreadsheet, no accountant.

(02)How it works

One app, the whole money picture.

(02)Just say it

Speak it. It’s tracked.

Tap the mic and say "250 rupees for vegetables" in any of 23 languages. DhanRakh hears it, files it, and works fully offline.

  • 23 languages, on-device
  • Cash + UPI in one tap
  • Works with zero signal
(03)Your money, at a glance

The week, in one number.

Cash and UPI, earnings and spends, in one calm home. The big number is the hero — you always know where you stand.

  • Earnings & spends together
  • Tuned to how you earn
  • The number that matters, up top
(04)A score that’s yours

Money health, no CIBIL.

A clear money-health and loan-readiness score, built only from your own entries. No bank, no jargon.

  • Money-health + loan readiness
  • Built from your entries
  • Rewards consistency & saving
(05)For the shop

Run the whole counter.

Cash register, stock alerts and the udhar khata in one place. See today’s real profit at a glance.

  • Register, stock & udhar khata
  • Today’s real profit
  • WhatsApp reminders, one tap
(06)When the year ends

ITR, already done.

Every entry becomes plain-language insight and a CA-ready export. The whole year, totalled and tidy.

  • Plain-language insights
  • 80C & tax progress
  • CA-ready PDF export
Why DhanRakh

Built for how India really earns

Crores of workers, zero tools

India's informal workforce manages lakhs in cash with nothing but memory and a worn diary.

Everything is in English

A shopkeeper just wants to know "how much did I earn today?" — in their own language.

No internet? No app.

Patchy connectivity shouldn't lock you out. DhanRakh runs fully offline.

No record, no clarity

Daily cash entries become a clear money picture — so you finally see where you stand.

Who it's for

Made for workers & small shops

Auto / Cab Driver

Logs fares by voice between rides, tracks who owes him, and sees his money clearly.

Kirana / Small Shop

Runs the register, customer udhar and stock — no spreadsheet, no accountant.

Tailor / Self-employed

Records material costs and customer orders in their own language — even offline.

Household / Personal

Budgets, bills and savings goals with simple voice entry, every day.

Features

Everything you need — nothing you don't

Money health 720/900

Know where your money stands

A clear Money Health Score built from your everyday entries — income, spending and consistency — so you always know how you're doing. No bank, no CIBIL, no jargon.

Free

Voice Entry

“250 rupees for vegetables” — say it in any of 23 languages.

Free

Udhar Khata

Who owes you, who you owe — with one-tap WhatsApp reminders.

Free

Snap a Receipt

Camera reads bills & notebook pages.

Free

Goals & Streaks

Save consistently, keep your streak.

Plus

Shop Suite

Cash register, stock alerts, price list and a UPI QR — your whole shop.

Plus

Gold & Chit

Live gold rates + chit-fund tracking.

Pro

Tax & ITR

Regime compare, 80C/80D, CA export.

Pro

Reports & Wrapped

Plain-language insights + year in review.

(07)In your words

Speak your language. All twenty-three.

From Hindi to Malayalam, DhanRakh listens, reads and reports in the language you actually think in — the same money sense, for everyone.

Pricing

Simple, transparent pricing.

The free tier is genuinely useful. Upgrade when you're ready — no pressure. Ever.

Free

₹0 forever

Full expense tracker — for everyday use

  • Voice + manual expense entry
  • Auto-import UPI payments
  • Budget categories
  • Bill reminders
  • Savings goal
  • Debt tracker
  • Daily nudges + streaks
  • Home screen widget
  • 23 languages
Join Waitlist — Free
Most Popular

Plus

₹49 /month

Gold, chit fund, and shop tools unlocked

₹449/year (₹37/mo)
  • Everything in Free, plus:
  • Unlimited auto-import
  • Unlimited budget categories
  • Gold & chit fund tracking
  • Cash register (shop tools)
  • Shop inventory management
  • Photo receipt attach
  • CSV export
  • Multiple savings goals
Join Waitlist — Plus

Pro

₹149 /month

AI reports, tax tools, full power

₹1,349/year (₹112/mo)
  • Everything in Plus, plus:
  • AI financial reports
  • Financial health score
  • Document scan
  • PDF export (dual language)
  • Tax estimation + CA export
  • Customer ledger (shop)
  • Insurance tracking
  • Cloud backup
Join Waitlist — Pro

All plans include: 23 languages, offline mode, bank-level encryption, and zero ads. Cancel anytime.

FAQ

Frequently Asked Questions

Is DhanRakh really free?

Yes. The Free tier includes voice entry, UPI auto-import, budgets, bill reminders, debt tracking, and all 23 languages. No catch, no trial period. Free forever.

Which languages are supported?

All 22 scheduled Indian languages plus English. From Hindi and Bengali to Tamil and Malayalam — every major Indian language is supported.

Does it work without internet?

Yes. Core features — expense tracking, voice entry, budgets, and debt tracking — work completely offline. Data syncs automatically to the cloud when you reconnect.

How does voice entry work?

Open the app, tap the mic, and say your expense in any supported language. For example: "250 rupees for vegetables" or "दो सौ पचास रुपये सब्ज़ी का खर्चा". The app records it automatically.

Is my financial data safe?

Your financial data is protected by database-level access controls — you can only see your own data. Voice processing happens on your device — never uploaded. We never sell data. You can export or delete everything at any time.

Can I use it for my shop or business?

Yes. Plus plan includes shop inventory, stock tracking, and cash register. Pro adds customer ledger and tax tools. Built specifically for kirana stores, tailors, and small businesses.

How is this different from other finance apps?

Most finance apps target English-speaking, salaried urbanites. DhanRakh is built from scratch for India's informal economy — voice-first, offline-ready, in 23 languages, with tools for cash tracking, udhar, gold, and chit funds.

What about UPI auto-import?

DhanRakh automatically detects and imports your digital payment transactions. No screen sharing, no login credentials needed — just notification permission.

When is DhanRakh launching?

We're building in public and approaching launch. Join the waitlist to get early access and be the first to try it. We'll notify you via WhatsApp when it's ready.

Android App — Coming Soon

Track your money. In your language.
Completely free.

DhanRakh is launching soon. Join the waitlist for early access.

Only for launch notification. No spam. Ever.

Thank you!

You'll be the first to know when DhanRakh launches.