Lekhya

Lekhya is a personal finance manager that runs entirely on your phone.

No account. No cloud. No ads. Nothing about your money is ever uploaded, sold or
shared — because the app has no internet permission at all. You can check that
yourself in Settings → App info → Permissions.

Lekhya means "that which is written". It is your ledger, kept private.

━━━ PRIVATE BY DESIGN ━━━
• No internet permission — verify it in your phone's own settings
• No sign-up, no email, no phone number, no profile
• No analytics, no trackers, no advertising SDKs
• Your data is never sold, shared or used to market anything to you
• No loan offers, no credit-card pushes, no spam — not now, not later
• You own everything: export, restore or delete it whenever you like

━━━ MONEY IN, WITHOUT THE TYPING ━━━
• Reads bank and UPI payment notifications on your device and files each one —
merchant, amount and a suggested category, ready in seconds
• Share or copy a bank message into Lekhya and it parses it locally
• Add from your Lock Screen, or by long-pressing the app icon
• Every entry stays editable. You are always in control

━━━ UNDERSTAND YOUR MONEY ━━━
• A clear monthly picture: spent, received, and what is safe to spend today
• Spending by category and 12 months of spend-vs-income trends
• Quiet, on-device insights when a category jumps or a spend looks unusual
• Money Story — your month summed up: savings rate, top categories, no-spend days

━━━ BUDGETS THAT HELP ━━━
• A monthly budget with live progress and a month-end forecast
• Gentle alerts at 80% and 100% — never shame, never a sales pitch
• Per-category envelopes (Pro)

━━━ PLAN AHEAD ━━━
• Commitments — EMIs, rent and subscriptions detected automatically, plus your own
• Savings — net worth across accounts, gold and silver, stocks, mutual funds, SIPs
and fixed deposits, all entered and owned by you
• Goals you can link to a real holding
• Split — shared expenses with friends and family, and who owes whom
• Bill, EMI, SIP and FD reminders (Pro)

━━━ YOURS TO KEEP ━━━
• Encrypted .lkh backups (AES-256-GCM) locked with a passphrase only you know
• CSV export, and CSV import for your holdings (Pro)
• App Lock with fingerprint, face or device PIN
• Dark mode, a green or blue theme, and full English and हिन्दी — all free

━━━ LEKHYA PRO ━━━
One payment of ₹249. Forever. Not a subscription, nothing to cancel.
Everything is free to try for 7 days from install — no card, no signup.

Pro unlocks per-category budgets, custom categories, bill/EMI and SIP/FD
reminders, the savings and investment trackers, split groups, CSV import and the
year-in-review Money Story.

Lekhya cannot show you an ad, sell your data or offer you a loan — it has no way
to reach the internet, and it is paid for once, by you.

Made in India, for India. ₹ lakh and crore formatting throughout.