RupeePulse — Free Financial Year Expense Tracker & Budget Dashboard for India
RupeePulse is India's free financial year expense tracker, budget planner, and personal finance dashboard. Designed around the Indian financial year (April to March), it helps you track income, expenses, EMI loans, investments, insurance, and bills — all in one place, with no login required.
Track Expenses by Financial Year (FY 2025-26)
Unlike calendar-year apps, RupeePulse organises your finances by the Indian financial year — from April 1 to March 31. Switch between FY 2024-25, FY 2025-26, and future years. Perfect for ITR preparation and annual tax planning in India.
Free Income and Expense Tracker for India
Log all your income sources — salary, freelance, dividends, business income — and categorise expenses under Food, Housing, Transport, Health, Entertainment, Shopping, and more. View monthly breakdowns, savings rate, and year-on-year comparisons.
EMI Loan and Credit Card Tracker India
Track home loans, car loans, personal loans, education loans, business loans, and credit card outstanding balances. See repayment progress, interest rates, remaining tenure, and credit card utilisation percentage. Get alerts when credit card bills are due.
Investment Portfolio Tracker — Mutual Funds, SIP, Equity, PPF, FD
Monitor your entire investment portfolio including mutual funds, SIP investments, equity stocks, fixed deposits, PPF, digital gold, and other asset classes. View invested amount vs current value, returns percentage, and portfolio allocation charts.
Net Worth Calculator India
Calculate your net worth automatically — total assets (investments + savings) minus total liabilities (loans + outstanding debt). Track how your net worth grows month over month across financial years.
Bill and Subscription Reminder App India
Never miss a bill payment. Add recurring bills like electricity, internet, mobile plans, OTT subscriptions (Netflix, Hotstar, Spotify), and get reminders before due dates. Track paid and unpaid status for every bill.
Insurance Policy Renewal Tracker
Track all insurance policies — life insurance, health insurance, car insurance, home insurance. Get renewal reminders 30 days before expiry. Monitor premium amounts, coverage, and policy details in one dashboard.
Financial Health Score and Budget Alerts
RupeePulse calculates your personal financial health score based on savings rate, EMI-to-income ratio, investment discipline, and debt burden. Set monthly budget limits per category and get alerts when you exceed 80% of your budget.
Fully Private — Your Data Never Leaves Your Device
In local mode, all data is stored only in your browser. No account creation, no server upload, no data sharing. Optionally sync to cloud via Google Sign-In for multi-device access. Export data anytime as JSON backup.
Free Personal Finance App India — No Login Required
RupeePulse is completely free with no subscription fees, no ads, and no premium tiers. Use it on any browser — Chrome, Safari, Firefox, Edge — on mobile (Android, iOS) or desktop. Install as a PWA for an app-like experience.
Frequently Asked Questions
What is the Indian financial year?
The Indian financial year runs from April 1 to March 31 of the following year. For example, FY 2025-26 runs from April 1, 2025 to March 31, 2026. RupeePulse tracks all income and expenses aligned to this April–March cycle.
How to track expenses for ITR filing?
Use RupeePulse to log all income sources throughout the financial year. The FY dashboard gives you a complete picture of income, deductions, and investments — making ITR preparation straightforward without needing a chartered accountant for basic filings.
Is RupeePulse better than Excel for expense tracking?
RupeePulse offers automatic charts, EMI calculators, investment tracking, budget alerts, financial health scores, and bill reminders — features that would require complex Excel formulas. And it works on mobile with no setup.
Which is the best free expense tracker for India?
RupeePulse is one of the best free expense trackers for India because it: (1) follows the Indian financial year, (2) requires no login or registration, (3) keeps data completely private on your device, (4) covers income, expenses, loans, investments, insurance, and bills in one dashboard, and (5) is completely free with no ads or subscriptions.