Spend books
Cash in and cash out by date, category, party and payment mode, with running balances.
Personal · Family · Small business
Every rupee,
clearly recorded.
Kanakkedu is a private ledger for you and your family. Keep spend books, bank accounts, budgets, investments and savings goals in one calm place, and see where your money goes in clear lakh-and-crore numbers.
- PIN-locked private books
- Two-step sign-in
- ₹ lakh & crore format
Screens show sample data.
One ledgerfor home, trips, side income and investments
View, add or editsharing for family members, with a full activity log
PDF, CSV & Excelreports and exports whenever you need them
Daily · weekly · monthlyautomatic backups you can check before restoring
Take the tour
See it before you sign in.
Real Kanakkedu screens, filled with a sample family's numbers.
Your whole money picture, at a glance
One overview brings every included book together: total balance, money in and out for any date range, income retained and your investment portfolio.
- Pick any date range
- Spending by category, with amounts
- Hide every amount with one tap
A book for every purpose
Keep separate books for the household, a holiday or tuition income. Each book shows opening balance, cash in, cash out and net balance, with running totals and daily cash flow.
- Link bank accounts to a book
- Carry balances into next year's book
- Lock private books with your PIN
Entries that read like a ledger
Every entry shows its date, category, payment mode, amount, running balance and who added it, grouped month by month.
- Search notes, categories and bill numbers
- Attach receipt photos and PDFs
- Import from CSV, export to CSV or Excel
Investments with real returns
Track mutual funds, gold and other holdings as investment books. See invested capital, current value, gains and return, and record redemptions when you sell.
- Gold by weight at your own rate
- Fund purchases from a bank or cash book
- Download an investment statement PDF
Goals you can watch grow
Set a target and a date for an emergency fund or a family holiday, add savings as you go, and see how far you have come.
- Progress and amount remaining
- Full contribution history
- Kept separate from spend book balances
Never miss a due date
Bills, EMIs, SIPs and expected income sit on one money calendar, with in-app notifications and optional reminder emails.
- Bills, income and investment events
- Recurring entries for monthly payments
- Reminders before the due date
April to March, ready for review
The financial year summary totals what you recorded from April to March and lets you classify categories to make tax preparation easier.
- Income, deductions and tax paid buckets
- Investment activity for the year
- A record summary, not a tax calculator
Everything in one ledger
More than an expense tracker.
The everyday entries, the bigger plans and the paperwork, all kept together.
Bank accounts
Balances behind your PIN, linked to books, with only the last four digits stored.
Budgets
Monthly or custom-period limits, per category if you like, with alerts as you approach them.
Investments
Mutual funds, gold and more: capital, current value, gains, redemptions and statements.
Savings goals
Targets with dates, contributions and progress, for the things that matter to you.
Money calendar
Bills, EMIs and expected income with notifications and recurring entries.
Receipts
Attach bill photos or PDFs to any entry, and scan a bill to fill the amount, date and shop.
Family sharing
Share a book to view, add entries or edit, with a timeline of who changed what.
Import & export
Bank statements (Excel or CSV) with a preview first; export to CSV, Excel or PDF.
Financial year
An April–March summary with categories you classify for tax preparation.
Backup & restore
Manual or scheduled backups, checked before any restore, with a safety copy first.
Made to be read
Three text sizes and colour themes, comfortable on a big screen or a narrow window.
Subscriptions & EMIs
Monthly and yearly cost of every regular payment, loan balances and an EMI calculator.
Renewals
Insurance, PUC, warranty and passport dates, with reminders before they expire.
Family money
Split and settle, lent and borrowed, pocket-money books for children and a trusted contact.
Help inside the app
Write to a person from Help & support and read the reply in the app or by email.
What's new
Less typing. Fewer surprises.
Recent additions that take the effort and the worry out of keeping accounts.
Safe to spend
Your balance minus every bill, EMI and subscription due before your next income, and what that leaves per day. Plus your month told in plain words.
Bank statements in, without the typing
Upload your bank's Excel or CSV statement, see every row first, and let Smart rules fill the categories. Duplicates are caught before they land.
Subscriptions and EMIs
Every regular payment in one place, with what it costs a month and a year, the next due date and how much of a loan is left.
A calm month end
Entries without a category, possible duplicates, recurring payments not yet posted and banks to check, in one list. Then close the month.
Receipts that read themselves
Snap a bill and tap Scan: the total, date and shop fill in. It runs on our own server, so your bills don't go to anyone else.
Undo, history and a recycle bin
Deleted something by mistake? Undo it, or restore it from the recycle bin for 30 days. Every entry keeps its history.
Lent, borrowed, split and settled
Money given to family or friends, trips split between members with the fewest payments to settle, and pocket-money books for children.
Renewals and expiry dates
Insurance, PUC, warranties, passport and licence dates with reminders before they lapse. Dates only, never the documents.
Private by design
Your money.
Your eyes only.
Your books are private to your account. Only you, and the people you choose to share a book with, can see the numbers.
- Two locks on the door. Every sign-in needs your password and an authenticator code. Bank accounts and locked books also ask for your Kanakkedu PIN.
- Amounts hidden on request. One tap hides every figure on the overview, which helps when someone is looking over your shoulder.
- Kept in India. Your data is stored in Mumbai on encrypted storage. Our support team never sees your amounts, balances or notes.
- Guarded sign-ins. Repeated wrong passwords lock the account for a while, and a copied sign-in token is detected and its session ended.
Reports
Statements you'd be happy to print.
Download a balance statement for any book or date range. It is laid out like a ledger page and easy to read at a glance or file away.
- Totals firstOpening balance, cash in, cash out and closing balance at the top.
- Where the money wentSpending by category with each one's share.
- Month by monthNet movement and month-end balance for every month.
- Budgets and the full statementBudget use, then every entry with its running balance.
Investment books get their own statement PDF. Any book can also be exported to CSV or Excel.
Get started
Up and running in three steps.
-
01
Create your account
Sign up with your name and email, accept the terms, then enter the 6-digit code we email you.
Create account → -
02
Lock it down
Connect an authenticator app such as Google Authenticator, then set your Kanakkedu PIN for bank accounts and private books.
-
03
Open your first book
Add a book such as "Household", record a few entries, and watch the overview come to life.
Open Kanakkedu →
Plans
Free while we pilot.
Everything in Kanakkedu, for you and your family, while we learn from our first users.
Pilot
Everything included
₹0during the pilot
- Unlimited books, entries and family members
- 10 GB for receipts and saved backups
- Statement import, Smart rules and receipt scanning
- Automatic backups and "Download all my data"
- Help & support from inside the app
After the pilot
Fair, simple plans
We will offer plans with more storage and extras for families and small businesses.
- You hear about them well before they start
- Nothing is charged without your agreement
- Your data is always yours to download
Why "Kanakkedu"?
Kanakkedu means account book, the ruled ledger families and shopkeepers have kept for generations. We kept the idea of order, responsibility and trust, and made it quick to use every day.
Questions
Good to know.
Short answers to what people ask first.
Who can see my numbers?
Only you, and the people you share a book with, at the access level you choose: view, add entries or edit.
Can I take my data with me?
Yes. Download everything as one Excel file (Profile → Storage → Download all my data), export any book to CSV or Excel, download PDF statements, or download a full backup.
What if I forget my PIN?
Set a new one in Profile → Security. You confirm it with your password and your authenticator code.
I lost the phone with my authenticator app. What now?
Use one of your recovery codes to set up a new authenticator. If you have none left, contact Kanakkedu support to reset it.
How do backups work?
Create a backup any time, or schedule one daily, weekly or monthly. You can download a backup, and every backup is checked before a restore. Kanakkedu also makes a safety copy before restoring.
Can my family use it?
Yes. Each person has their own account. Share a book with view, add-entry or edit access, and the book's activity log shows who added, changed or deleted each entry.
Where is my data stored?
In India, in Amazon Web Services' Mumbai region, on encrypted storage. See the Privacy policy for the details.
Is there a storage limit?
Each account has 10 GB for receipts and saved backups. Your entries and books don't count toward it. When it is full, only new uploads stop; nothing is deleted.
Does receipt scanning send my bills to another company?
No. The scan runs on Kanakkedu's own server. You check what it read before anything is saved.
I deleted something by mistake.
Tap Undo straight away, or restore it from the Recycle bin within 30 days.
What is a trusted contact?
Someone you name who can ask for view-only access to your Spend Books if you are inactive for a long time. You are emailed first and have 7 days; signing in cancels it.
How do I get help?
Use Help & support in the app, or see the help centre and contact page.
Does it calculate or file my income tax?
No. The financial year summary organises what you recorded so it is easier to review with your tax professional. It does not calculate tax or file returns.
Your account book, always within reach.
Open your workspace and carry on from your last entry.