Features
Everything listed under “Available now” works today. The rest is on our roadmap — we only list something as available once it's built and tested.
Available now
Transactions
- Income, expenses, transfers, refunds and balance adjustments
- Categories, tags, notes, merchant and payment method (UPI, card, net banking…)
- Search, filter by date, type, account, category, tag and amount; sort; paginate
- Refunds linked to the original expense
Accounts
- Cash, savings, current, wallets, FD, RD, investment accounts and credit cards
- Balances always worked out from the starting balance and transactions
- Credit limit, available credit and utilisation for cards
- Reconcile with your statement; archive old accounts without losing history
Bills & recurring
- Rent, utilities, mobile, internet, OTT subscriptions, school fees and other bills
- Weekly, monthly, quarterly, half-yearly, yearly or one-time due dates
- Overdue, due today and due soon at a glance; mark paid, link an existing transaction or skip
- Expected income (salary, rent received, interest) compared with what actually arrived
Loans & debt
- Home, vehicle, personal, education, gold and business loans, credit lines, family and friends
- Reducing-balance, flat-rate or interest-free; EMI worked out from the terms
- Each repayment split into principal (a transfer) and interest (spending)
- Outstanding principal, interest paid and an estimated repayment schedule; money you've lent too
Credit cards & insurance
- Statement day and due date for each card; statements entered from your bank or estimated
- Paid in full, minimum paid, partly paid or overdue — and what's left to pay
- Insurance policies with premiums, cover, nominee and renewal dates
- Policy numbers stored encrypted and shown masked
Investments
- Stocks, mutual funds, ETFs, bonds, gold, FDs, RDs and PPF/EPF/NPS, inside your demat or deposit accounts
- Purchases, sales, dividends and interest — with fractional units and exact prices
- Cost basis (first in, first out), realised and unrealised gains, total and annualised return (XIRR)
- Your own price updates, each dated and labelled as an estimate — no invented market prices
Net worth & assets
- Homes, land, vehicles, gold and other things you own, valued by you
- Net worth = assets − liabilities, with asset and liability breakdowns
- Month-by-month history and the biggest contributors to each change
- Transfers, loan money and savings goals never inflate it; estimates are marked
Forecast & planning
- Month-by-month cash-flow forecast from your bills, EMIs and typical spending
- Net worth projection, emergency fund sizing and debt-free date
- What an extra loan payment saves, and what your goals need each month
- Every assumption visible and editable; actual and projected kept apart
Budgets
- Monthly, weekly, financial-year or custom-date budgets
- One category, a group, several categories or all spending
- Warnings at a level you choose, overspend alerts, pace through the month
- Planned vs actual history for every period
Savings goals
- Target amount and date, priority and a linked account
- Contributions and withdrawals, optionally recorded as real transfers
- Monthly amount needed and an estimated finish date from your own history
- Milestones at 25%, 50%, 75% and 100%
Dashboard & reports
- Income, expenses, cash flow, cash, deposits, investments, liabilities and net worth
- Charts with a table view; insights only from your own data
- Cash flow, spending and income by category, category trends, budgets, goals, balances, annual (FY) and recurring reports
- CSV export, print or save as PDF
Family
- Family groups with owner, admin, member and viewer roles
- Share one account, budget or goal at a time — read-only, and stop whenever you like
- Household expenses split equally to the paisa, balances and settle-up suggestions
- Household goals and a household spending report
Business
- A separate ledger for a freelance practice or small business, kept apart from personal money
- Income, expenses, transfers, owner's money in and drawings — only income and expenses count as profit
- Invoices and supplier bills with what's paid, still due and overdue (with aging)
- Profit and loss, month-by-month figures, monthly limits and CSV exports — record keeping, not accounting or tax software
Documents
- Upload receipts, bills, statements and policy papers (PDF, JPEG, PNG, WebP up to 10 MB)
- Attach them to transactions, bills, loans, policies, investments, assets, invoices and supplier bills
- Encrypted when stored, never in a public folder, and downloadable only by you
- File type checked from the contents, not just the name
On every device
- Install it as an app on Windows, Mac, Android or iPhone — its own window or home-screen icon, no app store
- Offline, it says so clearly; your records are never stored on the device
- EMI, SIP and savings goal calculators that work without a connection
- Optional mutual fund NAV updates from AMFI's published list — only for funds you link, only when you ask
Accessible
- Every page checked against WCAG 2.2 AA rules in light and dark mode
- Larger text, more contrast and reduced motion settings (your device's settings work too)
- Full keyboard use, with a shortcuts list (press ?) and focusable, labelled tables
- Written alerts and status — never sound or colour alone
Your data
- CSV and Excel (.xlsx) import with column matching, saved mappings, validation, duplicate detection and undo
- Full export of everything as JSON; delete your account any time
- Light and dark themes, larger text, keyboard support, written alerts, no colour-only signals
- In-app reminders for due bills, card payments and policy renewals, and alerts for new-device sign-ins
Coming next
- Email reminders and account-activity emails — built — switched on once email delivery is set up for the service
- Bank connections through India's Account Aggregator system — needs a licensed partner — not connected today
- SMS and push notifications — planned
- Other currencies — planned
SilentFinance is a personal finance tracker. It is not connected to banks, and it is not tax filing, accounting or investment advice software.