Your banks already e-mail you everything. Nobody ever reads it.

Every statement your banks sent you,
read and reconciled.

A comprehensive financial report of you, built from your own financial information — every bank and card statement in your mailbox, read, reconciled and gathered into a single view of your finances.

See your complete financial picture Try the planner →

Read-only access to your mail · Disconnect any time · No sales calls, ever

What it does

Example figures, not real data

914

Every statement found

We show useful recent results first, then continue backwards through your financial history in the background.

898 of 914

Every rupee reconciled

Each statement’s opening balance, its rows and its closing balance are tied to each other. 16 did not tie, and we show you which 16 rather than averaging over the gap.

Every transaction in one place

One ledger per account, categorised, and one view across all of them. 0 questions still waiting on this one.

These four numbers are a static example, the shape of one real ledger with every label removed: 914 statements across 29 accounts, 898 of them tied exactly, 0 questions still waiting. They are not your figures and they are not an average of anybody’s. Yours are whatever your own mail turns out to hold.

How it works

What is already in your mailbox

Statement e-mail

Opened with

Rows read

What you get back

One month, 3 accounts, tied

₹3,41,208opening

1,284rows

₹2,97,655closing

Opening, every row and closing tie exactly.

When they do not tie, that month is flagged and shown to you, not smoothed away.

Example figures, not real data, and the bank names are invented. Yours are read from your own mail, with recent results shown first while earlier periods continue in the background.

Five steps, in this order

Tell us the details your documents use

Enter your PAN and date of birth once. Banks and financial institutions commonly use these details to open statement files; we never ask for your Gmail or internet-banking password.

Connect your mailbox

Google shows the read-only permission before you approve it, under our app name, Finlaxmi Ingest. The mailbox can differ from your FinLaxmi login: connect the Gmail account that receives your financial documents.

We build your financial record

Recent results appear first. In the background we find candidate financial emails and documents, unlock supported files, read their rows and reconcile each statement.

A few things only you can answer

A handful of questions nothing we can work out for ourselves will close. This is the beat nobody else says out loud: we tell you what we could not settle instead of quietly averaging over it.

Your financial view is ready

Statements, combined transactions and supported investments appear in one place, with anything still in doubt clearly marked.

What we do differently

What you usually hear

What we do instead

“Link your bank account, just pop in your net-banking login.”

You connect a mailbox, read-only. Never a banking password. We search for candidate financial emails and documents, and we send, label, archive and delete nothing in Gmail.

“Your spending, sorted. 100% accurate.”

We show you what did not tie. In the example above, 898 of 914 statements reconciled to the rupee. The other 16 are named, not buried in an average.

“Tell us roughly what you spend each month.”

We start from what you actually spent, statement by statement, back to where your mail begins. A plan built on a guess is a guess with a chart on it.

And then, the planner

The planner has always answered how much, and where. What it did not have until now was your real numbers.

What runs under your plan

500

Market futures, not one projection

frozen paths, so your plan does not wobble between visits

Strategies tested against them

11 starting mixes and 2 glide shapes, every one facing the same storms

Predictions

you get a range with the bad case named, in today’s rupees

We published our math.
The full method in a 7-page paper. Every formula checked independently, down to the rupee. Read the paper →

Try the planner No card · No sales calls, ever

What we do with your mail

Plainly, and in the same words as our policy

Read-only access

Google's permission is mailbox-wide. We use it to search for candidate financial emails, including unfamiliar senders; inspect sender, subject, date and attachment details; and, for candidates, read message content and relevant documents. We send nothing, label nothing, mark nothing read, move nothing and delete nothing in Gmail.

Disconnect any time

Disconnecting revokes the grant at Google and deletes the stored credential. The credential itself is encrypted at rest; your Google password is never stored, because we never see it.

Your statement files

Your statement files are kept only for you, in a folder the web cannot serve.

What it is used for

Finding and identifying financial documents; producing statements, combined transactions, questions, supported investments and your requested financial view. Most extraction uses fixed rules. If those rules cannot read a one-off account fact or password-rule graphic, selected candidate content may be processed by our disclosed AI provider and validated before use. No sale, no transfer to advertisers or data brokers, no advertising, and nothing used to train general-purpose AI models.

FinLaxmi's use and transfer of information received from Google APIs to any other app will adhere to the Google API Services User Data Policy, including the Limited Use requirements.

The full detail is in our Privacy Policy and our Terms of Service. You can also request account or data deletion.

Who's behind this

I built FinLaxmi because everyone around me had the same question, “am I doing the right thing with my money?” and nobody had a straight answer for them. Just products, commissions and thumb rules.

The straight answer has to start from what actually happened to your money, and that is sitting in your mailbox already. So we read it, tie every statement together, and tell you plainly what we could not settle. Then the planner does its work on real numbers instead of a guess.

Yugantar Gupta

Founder. MBA, IIM Ahmedabad. Chartered Accountant.

Built and checked by a team that includes a CFA charter holder, an IIM Ahmedabad MBA, a Chartered Accountant and a NISM-certified Investment Adviser.

Free for your first year. Really.

What it costs

₹4,999₹0 first year

After that, ₹4,999 a year, one flat fee and nothing else. No commissions, no products, no upsell.

See your complete financial picture

What you get

Your statements found, unlocked and read, back to where your mail begins
One ledger per account, and one view across all of them
What we could not settle, named rather than averaged over
The planner, run on those numbers instead of a guess
Request access, corrections or deletion under our Privacy Policy

Fair questions

Asked and answered

Do you sell my data to insurance companies?

No. We do not sell your personal information or use Google-derived financial data for advertising. Hosting, extraction and other processing providers help deliver the service. Our Privacy Policy explains those disclosures, retention and deletion requests.

What exactly do you read in my mailbox?

Google grants mailbox-wide read-only access. FinLaxmi searches for candidate financial emails, including unfamiliar senders; inspects message details; and, for candidates, can read message content and relevant PDFs to identify documents, accounts, holdings and issuer password instructions. Nothing is sent, labelled, marked read, moved or deleted in Gmail. Disconnecting revokes future access and removes the stored credential; deleting imported FinLaxmi data is a separate request.

Which mailbox should I connect?

Whichever one your banks write to. It does not have to be the address you signed in with, and most people find their statements land somewhere else entirely.

How is my data handled?

Over HTTPS, with administrative access controls, encrypted Gmail refresh tokens and statement storage the web cannot serve. No system is immune to security risks. See our Privacy Policy for how information is processed, retained and deleted.

What does it read, and what does it not?

FinLaxmi is designed for bank and card statements and supported investment documents such as broker, mutual-fund and demat reports. It may inspect candidate financial email content to classify a document, identify its owner or account, or find the issuer's password instructions. It does not use Gmail data for advertising, unrelated profiling, credit decisions or general-purpose AI training.

How is this different from Groww or ET Money?

Those apps show you the portfolio you hold with them. This starts from your own statements, across every bank and card you have, and then the planner shows you your future: whether your money lasts, under 500 different markets, and what to change if it does not.

What does it cost?

₹0 for your first year, then ₹4,999 a year, one flat fee with no upsell.

I already have a CA / financial advisor.

Bring them along. The ledger is the raw material they usually spend hours assembling, and the planner’s model is a spreadsheet they can audit, with the methodology paper alongside it.

The gap between “I think that's what I spend” and “this is what I spent” is sitting in your mailbox.

See your complete financial picture Read-only mail access · Disconnect any time · No sales calls, ever

Every statement your banks sent you,read and reconciled.