Depto Flow
Loading your private ledger...
Keep micro-UPI transactions from cluttering your bank statement. Manage cash, local Kirana accounts, and family budgets offline. No SMS scanning, no ads, no cloud logins.
● 100% Offline (SQLite)
Total Limit: ₹50,000
Verma Kirana Store
Monthly Grocery (Khata)
Ramesh (Maid Salary)
Domestic Help Payment
Chai Tapri split
Owed by Rahul (Goa trip)
In India, digital wallets and UPI make payments effortless—but they introduce a secondary headache. Your bank statements end up cluttered with hundreds of tiny transfers for tea, snacks, auto fares, and grocery split settlements.
Monthly budgets vary heavily depending on your location. Tier-1 metros (Bangalore, Mumbai, NCR) command steep rents and maid salaries, while Tier-2/3 cities (Indore, Chandigarh, Nagpur) offer significant cost relief.
Tier 1 Tip: Metros eat up to 30% of income just in rent. Avoid eating out frequently to preserve your savings. Track your daily expenses offline to see where you can trim.
Tier 2 Tip: Lower rents present a perfect opportunity to raise your savings rate above 40%. Direct your unallocated cash into automated SIP accounts.
Rent / PG
Domestic Help (Maid/Cook)
Groceries & Kirana
Wi-Fi & Utilities
Most personal finance apps in India require cloud registration and request permission to scan your SMS inbox to track transactions. Depto Flow respects your privacy.
We never prompt you for SMS log permissions. Your banking alerts, OTP codes, and transactional texts remain entirely private, avoiding insecure scraper servers.
Transactions are committed directly to a local database inside your phone's sandbox. It runs offline, meaning you don't even need an active internet connection to log your daily spend.
You don't lose data when upgrading phones. Easily connect your personal Google Drive account to backup encrypted database snapshots directly to your own secure cloud space.
No. Depto Flow does not link directly to your banking systems or UPI apps. It operates as a manual ledger, which is ideal because it prevents minor ₹10–₹50 UPI transfers (chai, auto fares, snacks) from cluttering your official banking statement logs.
Most Indian financial apps read your SMS alerts to automate tracking, which exposes your private balances and transaction metadata. We believe your SMS alerts contain sensitive security tokens (like OTPs) and shouldn't be read. Depto Flow operates without SMS scanning permissions.
Yes. Inside settings, you can export your entire transaction history to clean CSV or JSON formats. This allows you to print neat spreadsheets for tax records, audits, or bank evaluations without exposing other private entries.
Because we don't host your database on our servers, you own your backup. By linking your personal Google Drive, Depto Flow generates an encrypted copy of your SQLite file and uploads it directly to your private app folder. This keeps you in complete control.
Take control of your personal budget, de-clutter your bank feeds, and secure your database offline. Join thousands of Indian users managing money better.