How to Use
Rupix Finance Tracker

On first launch you see three short intro slides, then the login screen titled Budget & Expense Tracker. Tap Sign in with Google for the quickest start, or use the Email tab with your email address and password (there is a Forgot Password? link). If a security check appears, complete it, then tap Continue. New users tap Sign Up, register With Email (full name, email and password) and then confirm the link sent to their inbox. Signing in with a mobile number and SMS code is not available yet, so use Google or email. The app never asks for your bank login. After you sign in once, the app opens straight to Home.

Enter the amount, choose Daily/Frequent or Monthly/Fixed, pick a Category and add an optional description. Choose a Payment Mode: Cash, Bank/UPI, Credit Card or Wallet by default (you can edit this list in Profile → Dropdown Customization). For non-cash modes, an account picker appears if you have added accounts in ☰ → Wallet, and it pre-selects your primary account. Tap the date to change it, optionally tag a trip if you have created one, then tap Add Expense. The + button records expenses only. Income is logged automatically on your pay day from ☰ → Financial Profile, or when you confirm an income alert in Auto-track. Entries appear on Home and in the Bills tab, which has search and month filters. Tap an entry to edit it, or swipe it left to delete it (current month only).

The Budgets screen opens with a Monthly Budget ring showing how much of your combined limits you have spent this month, with Spent and Remaining underneath. Tap Add Budget to open New Budget Limit. Pick a category (Food, Transport, Shopping, Entertainment, Health, Rent, Bills, Utilities, Education or Other) or Custom to type your own, enter the Monthly Limit and tap Set Budget. Each card under Category Limits shows what you have spent against the limit, with a progress bar and % used; once you reach the limit, the bar turns red and the label reads Over budget! The main ring turns red above 90%. Budgets cover the current calendar month, and your first three also appear in the Budget Watchlist on Home. The back arrow at the top-left returns you to Home.

Recurring shows your Monthly Commitments total, a scrollable 1–31 day strip with a dot on every due day, and an Upcoming list grouped by category. Tap Add to open Add Recurring Cost. Choose a type (Loan / EMI, Utility Bill, Subscription, Credit Card or Other), enter a description, the Amount per month and the Due day of month. If you have added accounts in ☰ → Wallet, choose one under Debit from (the first account is pre-selected). Tap Add Recurring Cost to save; each item then reads Due on the Xth every month. Swipe an item left to delete it. There is no undo. Recurring costs are a reminder list and are not added to your transactions automatically, so log each payment with + when you pay. Regular income such as salary is set up separately in ☰ → Financial Profile.

Savings Goals opens with a Total Savings card showing the amount saved across all your goals. Tap Add Goal to open New Savings Goal. Enter a goal name, a Target Amount, an optional Already saved amount and a target date (one year ahead by default), then tap Create Goal. Each goal card shows saved against target, a progress bar, % complete, the amount still to go, and the days left (or Overdue). Tap a card to add money to it. Swipe a card left to delete it; there is no confirmation. The card colour comes from words in the goal name, such as car, home, trip, phone or emergency. When a goal reaches its target it turns green and reads Target achieved!

Travel Space tracks trip spending against a budget. Tap New Trip to open Plan New Trip: enter a Trip Name and a Trip Budget, pick the start and end dates, then tap Create Trip. The top card shows the total spent across all your trips against their combined budget, and each trip card shows spent against budget and the days left. Trips are listed under Active & Upcoming or Past & Archived. Tap a trip to see its budget ring (Spent, Total Budget and Remaining), a Daily Pace & Forecast card and its expenses, then tap Add Trip Expense to log a cost already tagged to that trip. You can also tag a trip from the main + form. The ⋮ menu on a trip lets you edit, archive or delete it; deleting a trip keeps its expenses. Trips are saved on your phone only and are not shared with Family Hub.

Portfolio opens with Total Portfolio Value plus Invested, Returns and % return. Below it, a dropdown filters the list by type (All Assets by default). Tap Add Asset and choose an asset type: FD, MF, Stock, Bond, Gold Bond, EPF, PPF, Gold, Crypto, Property or Other. If a filter is active, the button becomes Add FD, Add Stock and so on, and skips this choice. Fill in the name and institution and the fields for that type, such as folio or account number, units or shares, interest rate and maturity date. Then add the purchase price, Current Value, Purchase Date and optional notes. Assets are grouped by type, and each card shows its value and % return. Tap an asset for details, then use Update Value, Edit, or the delete icon (with a confirmation). You enter and update values yourself. Portfolio data stays on this phone and is not synced to the cloud.

Udhaar Ledger shows your Lent (owed to you) and Borrowed (you owe) totals, then Active Debts and Settled Debts. Tap Request New Udhaar, choose Lent or Borrowed, and enter the person's name and the amount. Phone number, email, note and due date are optional. Tap Add Debt Request. If you enter the email address the other person uses for their Rupix account, they see your request under Pending Approval Requests and can approve or decline it. Without that email, the entry is saved for you only. Tap any entry to see its payment history and record a repayment; a repayment can wait for the other person to confirm it. Past-due entries show Overdue. Udhaar entries are stored on Rupix servers, so this feature needs internet.

Before any permission is requested, the screen explains what auto-track does: only money alerts are read, while chats, mail and social notifications are ignored; alerts are processed on your phone and not uploaded; stored alerts are encrypted and deleted once the entry is prepared; and nothing is added without your confirmation. Tap Turn on auto-track to open Android's notification-access page and allow Budget & Expense Tracker. Back in the app, the screen says auto-track is on. New bank, UPI and card alerts, both debits and credits, appear as ready-made entries showing category, payment mode, time and amount. Tap Add to my ledger to save one, Ignore to drop it, or Clear all. Pull down to refresh. You can switch it off at any time in Android Settings. On phones that cannot store alerts securely, the button is disabled and the screen says auto-track is unavailable.

The Reports tab, headed Financial Reports, has Weekly, Monthly and Yearly buttons, with Monthly selected by default. Weekly covers the last 7 days, Monthly the current calendar month and Yearly the current calendar year. For the chosen period you see Total Income and Total Expense cards, a Spending Trends bar chart of expenses (by day, by week of the month, or by month) and a Category Breakdown donut with a legend listing each category's amount and share, largest first. The download icon at the top-right creates a CSV file of every transaction in your current space, not just the selected period, and opens Android's share sheet so you can save or send it. Quick stats such as daily average, month-end forecast, top spending category and number of entries are on the Home tab under Analytical Pulse.

Family Hub starts in Local Mode, where your data stays on this phone. Turn the switch on to use Cloud Mode. The first time, your existing entries upload to Rupix servers, with a progress bar. Only then do Create Family Hub, Join via Invite Code and Invites Received appear. Every member needs their own Rupix account. As the owner, tap Invite, enter the member's email, a display name and a relationship role, then tap Send Invite. No email or link is sent. The member sees the invite under Invites Received when they sign in with that email, or you can copy the invite code from Pending Invites and share it yourself. Members share transactions, accounts, budgets, goals and recurring items. Portfolio assets and trips are not shared. Changes are not live: pull down on Home to fetch the latest entries. On Rupix servers, amounts, dates and entry types are stored in readable form. Descriptions, categories and payment modes are encrypted only if your hub has a family key. Creating a hub makes one on the owner's phone, and each member adds it with Import Key by scanning the owner's QR code or pasting it.

Privacy & Safety has two sections. Under App Lock, tap Setup next to App PIN Lock to create a 4-digit PIN. Once it is set, the app locks whenever you leave it and asks for the PIN when you return. Biometric Unlock (fingerprint or face) can be turned on only after a PIN exists, and the PIN stays as the fallback. Under Legal, View opens the Privacy Policy and the Terms of Service. On your phone, the app keeps your data in an encrypted database. Android cloud backup is off for this app, so uninstalling removes the copy on your phone. Transactions, budgets, goals and recurring items stay on the phone unless you turn on Cloud Mode in Family Hub; portfolio assets and trips are never synced. Udhaar entries are always stored on Rupix servers. To keep your own copy of your transactions, use the download icon on the Reports tab. To delete your account, tap Delete my account at the bottom of the Profile tab (details at rupix.io/delete-account).

The Profile tab is the settings screen: your photo, name and email, followed by a list of rows. Tapping the photo only lets you pick a new picture from your gallery. Default Currency offers 20 currencies, although amounts across the app are still shown in ₹. Primary Accounts sets the default Bank/UPI, Credit Card and Wallet account that Add Expense pre-selects. Account Details shows your name, email and phone number. The Mobile Number row is for linking a phone by SMS code, which is not working yet. Dropdown Customization edits your daily and monthly categories, income streams, payment modes and budget groups. Further down are Family Hub, Udhaar Ledger, Auto-track spends, Notifications, Privacy & Safety, Sign Out and Delete my account. Money Coach, Ask Coach, Wallet, Portfolio, Budgets, Recurring, Savings Goals, Financial Profile, EMI Calculator, Travel and Scan Receipt are in the ☰ menu instead.