Track your daily cash.
Just speak.
DhanRakh works in 23 Indian languages. Manage cash and UPI by voice. Works offline. Always free.
Two problems that still exist.
India's informal economy faces these issues every day. DhanRakh is the first app built to fix both.
Cash vanishes. Memory doesn't count.
India runs on cash. Auto drivers, vegetable sellers, domestic workers — they 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.
Voice entry in 23 languages. Say "250 rupees for vegetables" — recorded and saved instantly. Cash + UPI together. Auto-categorized. Monthly reports ready for ITR filing. Works offline. No typing. No forgetting.
Small shop owners are flying blind.
A typical kirana store owner doesn't know his monthly profit. He tracks udhar (credit) by memory. Stock levels? Guesswork. Customer payments? "I think Ramesh paid last Tuesday." Huge revenue, zero financial visibility.
Shop inventory, customer ledger, udhar tracking with reminders, daily cash register, and profit/loss reports — all in your language. Export-ready for ITR. No spreadsheet, no accountant headache.
Why DhanRakh?
Crores of workers, zero tools
Most of India's workforce is in the informal economy. Auto-drivers, shopkeepers, tailors, daily-wage workers — they manage lakhs in cash with nothing but memory and a worn diary.
Everything is in English
Finance apps say "Budget", "Recurring Transactions", "Categories". An auto driver just wants to know: "How much did I earn today, how much did I spend?" In his language.
No internet? No app.
40% of India has unreliable internet. Most finance apps can't even open without connectivity. Your money tracker should work everywhere — online or offline.
You don't need an MBA to track money
Most finance apps require 3 tutorials to understand. DhanRakh works by voice — speak your expense, it gets tracked. That's it. No charts you'll never read.
Built For You
Auto Driver
Tracks daily fares, fuel costs, and who owes him money — all by voice between rides.
Kirana Store Owner
Manages inventory, customer udhar, and shop expenses without touching a spreadsheet.
Tailor
Records cloth purchases, customer orders, and daily income in Hindi — even offline.
Salaried Employee
Budgets across categories, tracks EMIs, and gets AI reports for tax season.
Everything You Need
From voice-based expense tracking to gold & chit fund management — comprehensive features designed for real Indian life.
Voice Entry
Speak to track expenses
Say "250 rupees for vegetables" in any of 23 Indian languages. Recorded and tracked. No typing needed.
Offline First
Works without internet
Core features run entirely on your device. Data syncs automatically when you reconnect. Zero data loss.
UPI Auto-Import
Track digital payments
Automatically detects and imports your digital payment transactions — amount, merchant, date, payment method. No manual entry for digital transactions.
Smart Categories
Organized automatically
Expenses organized from voice and payment data. Custom budgets per category. No setup required.
Udhar Tracking
Who owes you, who you owe
Track informal debts and lending. Send WhatsApp reminders. See your full udhar ledger at a glance.
Bill Reminders
Never miss a payment
Set reminders for rent, electricity, EMI, LIC, or any recurring bill. Get notified before the deadline.
Gold & Chit Funds
Track Indian investments
Log gold purchases at live rates. Track chit fund contributions and auctions. Indian-first financial tools.
Shop Inventory
For shopkeepers & small businesses
Track items, prices, stock levels. Manage customer ledger. Built for kirana stores, tailors, and small shops.
AI Reports
Understand your money patterns
Weekly and monthly reports in plain language. Spending patterns, savings tips, and financial health insights — all in your language.
ITR & Tax Ready
Your data, organized for tax season
Salaried? Your rent payments, LIC/PPF/EMI deductions, and 80C expenses — all categorized and ready for your CA. Shop owner? Total turnover, business expenses, and profit/loss — month-by-month, exportable. No more digging through diaries at tax time.
Simple, transparent pricing.
The free tier is genuinely useful. Upgrade when you're ready — no pressure. Ever.
Free
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 Indian languages
Plus
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
Pro
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
All plans include: 23 languages, offline mode, bank-level encryption, and zero ads. Cancel anytime.
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.
Track your money. In your language.
Completely free.
DhanRakh is launching soon. Join the waitlist for early access.
Thank you! 🙏
You'll be the first to know when DhanRakh launches.