Expense tracking, budgets, networth, and AI insights that connect your finances to your mood, sleep, and habits. All in one free app.
Start tracking for free →No credit card · Takes 2 minutes · ₹0 forever tier
Log transactions in seconds. Auto-categorise by food, transport, bills, shopping, and more. See where your money actually goes.
Set monthly budgets per category. Get alerts before you overspend. Visual progress bars so you always know where you stand.
Add savings accounts, mutual funds, real estate, gold, and liabilities. Watch your net worth grow month by month.
Never miss an EMI, rent, or subscription. Upcoming bills view shows what's due this week and next.
Set targets for emergency fund, home down payment, retirement, or education. Track progress and see exactly how long it takes.
Bring in data from any bank, Excel, or existing app. One upload and your history is live.
Find out when you can retire early. Enter your savings rate and target — PLOS shows you the number and the timeline.
Mark tax-deductible expenses. See your 80C, HRA, and other deductions at a glance. No CA required for the basics.
PLOS is the only app that connects your spending data with your mood logs, sleep scores, and habit streaks — so you can see exactly what stress does to your wallet.
No bank login required. No syncing complexity. Just start.
Create your account in under 2 minutes. No credit card, no trial countdown.
Log transactions manually or import from any bank CSV. Add savings, loans, and investments.
AI surfaces where your money goes, which habits cost most, and how finances affect your wellbeing.
No trial, no expiry — the free tier is genuinely free forever.
Join thousands of Indians taking control of their money with PLOS.
Create free account →No credit card · Setup in 2 minutes · Your data stays private