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Budget app · INR

A free budget app for India

BudgetByChat is a free budget app and expense tracker that works in Indian rupees. Give every rupee a job with a zero-based budget, track bank, card, wallet and cash spending, and record income from abroad at today’s rate.

What works differently in India

Rupees first, any currency when you need it

Set INR as your main currency. A dollar freelance payment or money sent from the Gulf is stored in its own currency and converted to rupees at the latest rate.

Works with every bank, card and wallet

There is no bank connection to set up. Add bank accounts, credit cards, wallets and cash as accounts and log their spending yourself.

Money from abroad, planned

India was the world’s largest remittance recipient in 2024. If part of your household income comes from abroad, the remittance pages show today’s rate for the most common routes into INR.

What is free, and what will cost INR 99 a month

Everything in the web app is free in India, with no feature limits:

  • Zero-based monthly budgets
  • Expense and income tracking
  • Accounts: bank, cash, credit card and mobile wallet, with transfers
  • Multi-currency transactions converted at the latest exchange rate
  • Savings goals
  • Wealth tracker and net worth history
  • Debt manager with avalanche and snowball payoff plans
  • Financial Health Score
  • Reports with PDF and Excel export

The only paid part will be the optional WhatsApp add-on (logging by message, bill reminders, budget status). Its planned price for India is INR 99 a month. It is not launched yet and nothing is charged today. See pricing.

Accounts you can track

  • Bank account
  • Cash
  • Credit card
  • Mobile wallet

Rates into INR today

Currency1 unit in INR
USDINR 95.07
AEDINR 25.89
GBPINR 127.28
EURINR 106.10
SARINR 25.35

Mid-market rates as of 2 November 2026. BudgetByChat converts every transaction at the latest rate, synced several times a day.

Why it matters

  • India was the world’s largest remittance recipient in 2024, with an estimated US$129 billion (World Bank).

Get started in India

  1. Sign up free and choose INR as your main currency.
  2. Pick a starter template, or start blank.
  3. Add your accounts: bank, cash, cards and wallets.
  4. Log what you spend and receive, in any currency.
Budget in INR, freeSign up free, pick your currency, and your first month’s budget is ready to track.
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Questions

Yes. The full web app is free everywhere, with no feature limits, no trial and no credit card: budgets, expenses, income, accounts, savings goals, net worth, debt payoff and reports, in Indian rupees (INR) or any of 30 currencies.

No. BudgetByChat never connects to any bank. You add transactions yourself (and soon by WhatsApp message), so it works the same with every bank, card, wallet and cash, in any country.

The planned price is INR 99 a month, set for your country. The add-on is not launched yet: the waitlist is open, and nothing is charged today.

English only, for now.

Sources

Related

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All of it, free forever.

No credit card. No trial. No feature limits.