NewSafe-to-spend, to the paisa

Run Your Daily Money
From One Calm Panel

The everyday expense copilot for modern Indians. Safe-to-spend allowance, automated UPI & card capture, smart liabilities, and household pools in one calm panel, updated as each alert arrives.

Burnly is the everyday expense copilot where Indians can track, plan and spend money with one calm number.

1Platform

Every Flow, One Calm Panel

Track spending from your bank and UPI alerts, manage credit card due dates and know what’s safe to spend today — all from one place.

Track your daily

Spending

Swiggy Gourmet-₹420.00
Delhi Metro Rail-₹46.00
Salary Account Credit+₹85,000.00
Blue Tokai Coffee-₹280.00
Simulated Purchase-₹720.00
Zepto Groceries-₹1,184.00
Capture all your

Bank & UPI

Salary Primary Account
•••• 4021
₹84,212.00
● Sample data
Personal Savings₹23,450
Keep track of your

Smart Cards

burnly•••• 0219
burnly•••• 5530
burnly•••• 8812
Plan ahead with the

Monthly Pool

Monthly Safe Pool
₹18,420 left
2Products

A fully integrated suite of money tools.

Start with daily allowance tracking and unlock cards, household pools, and trip budgets when you need them.

Daily Safe-to-Spend

Know today's exact safe allowance before you tap, swipe, or scan a UPI QR code.

UPIDebit cardsCredit cardsCash entryRefunds matchedNotifications

Cards & Due Dates

Keep track of billing cycles, unbilled balances, and upcoming due dates across all Indian cards.

burnlyUnbilled ₹12,480
burnlyDue in 5 days
burnlyStatement 28th Nov
Unbilled swipes₹17,440

Shared Home Pool

Combine household budgets with your partner while keeping personal ledgers private.

GroceriesShared
ElectricityShared
Personal coffeePrivate

Dedicated Trip Pots

Set aside travel budgets in an isolated pot so holidays don’t distort your daily runway.

Trip budget₹40,000.00Goa

Data & DPDP Controls

Instant self-service data export, permission manager, and one-click account deletion.

Your recordsExport CSV
DPDP

Nightly 9:30 PM Roast

A fun, behavioral review of your day's spending. Sensitive categories are strictly protected.

How did I do today?Swiggy at 12:40, then a ₹720 “simulated” purchase. Bold strategy for a Tuesday.
Merchant Memory

Teach it once. It remembers.

Teach Burnly a merchant name and category once. Future matching UPI or card descriptors automatically adopt your rule without manual re-tagging.

How merchants are matched
Your rules
SWIGGY_BLR→ Food
IRCTC_PAY→ Travel
ZEPTO_DEL→ Groceries
1 rule
applied to every future matching UPI or card descriptor
SOURCEBank SMS & notification alerts
PARSED100% on your phone
UPLOADED0 bytes of raw SMS
Zero cloud SMS

On-device parsing that stays private.

Bank SMS and notification alerts are parsed 100% on your local phone hardware. Raw SMS text is never transmitted to, stored on, or read by external servers.

100%on-device
0SMS uploaded
Read the privacy FAQ
The Safe-to-Spend math

Every rupee,
to the paise.

Calculates every rupee down to integer paise. Monthly income minus fixed EMIs, rent, and savings yields a pure daily allowance that adapts if you overspend or get refunds.

  • Strict integer paise math
  • Automatic refund reconciliation
  • Zero double-counting
Realtime engine
Monthly pool₹65,000
Fixed commitments-₹32,000
Days in cycle30 days
Daily runway₹1,100 / day
Refund matchedReconciled to the original spend
+₹340
6Product tour

Every rupee, mapped out.

Scroll through the core of Burnly, from the live daily dial to household pools, all in one calm panel.

Daily Dial
Remaining today
₹700Target pool ₹2,140
Comfortable
Try a purchase amount₹720

The Daily DialDrag the slider to test purchases. The gauge and feed recalculate as you move it.

7Household privacy

Share home costs. Keep personal private.

Couples shouldn’t have to choose between total secrecy and awkward joint accounts. Personal transactions stay on each person’s phone; only Home Pool entries are shared.

  • Shared Home Pool by consent: Rent, groceries, utilities, and domestic staff are pooled together.
  • Personal ledgers stay private: Gifts, coffee runs and private balances are never shared unless you choose to share your own transactions and confirm it.
  • No joint bank account required: Keep your existing salary accounts exactly as they are.
Household control centre Protected
SharedHome Pool
PrivatePersonal
Members2 adults
Screens Onboarding · Home
Burnly onboarding: choose who the budget is forBurnly home: safe to spend today
Burnly app

One number you trust,
every single morning

Enter your salary and fixed payments once. Burnly turns the rest of the month into a daily safe-to-spend amount, then records your UPI and card spends on its own.

Get started

Adults 18+ · India-first · Amounts in ₹

burnly•••• 0219
burnly•••• 5530
burnly•••• 8812
The Burnly app experience scrolling through Home, Cards, Analytics and Roast
Trust

Private by design,
calm by default.

Raw SMS text is never transmitted to, stored on, or read by external servers.
Zero cloud SMSBurnly promise
Bank SMS and notification alerts are parsed 100% on your local phone hardware.
On-device parsingBurnly promise
Every rupee calculated down to integer paise — no rounding drift, no double-counting.
Integer paise mathBurnly promise
Export your records anytime, or delete your account and all financial data.
DPDP Act, 2023Burnly promise
Personal spends stay on your phone. You can choose to share your own transactions, only after you confirm.
Household privacyBurnly promise
Burnly never moves money. It is an analytical budgeting companion only.
No paymentsBurnly promise
Medical, education, insurance, family support, charity and fees are never roasted.
Protected categoriesBurnly promise
Amounts in ₹ with Indian grouping. Adults 18+ only. English, Hindi and Tamil.
India-firstBurnly promise
Personal spends stay on your phone. You can choose to share your own transactions, only after you confirm.
Household privacyBurnly promise
Burnly never moves money. It is an analytical budgeting companion only.
No paymentsBurnly promise
Medical, education, insurance, family support, charity and fees are never roasted.
Protected categoriesBurnly promise
Amounts in ₹ with Indian grouping. Adults 18+ only. English, Hindi and Tamil.
India-firstBurnly promise
Raw SMS text is never transmitted to, stored on, or read by external servers.
Zero cloud SMSBurnly promise
Bank SMS and notification alerts are parsed 100% on your local phone hardware.
On-device parsingBurnly promise
Every rupee calculated down to integer paise — no rounding drift, no double-counting.
Integer paise mathBurnly promise
Export your records anytime, or delete your account and all financial data.
DPDP Act, 2023Burnly promise
10Transparent plans

Simple pricing for one person or a couple.

Free forever for the basics. Upgrade for automatic capture, and for a shared Home Pool with your partner.

Personal basics

Free

₹0 / forever

Daily safe-to-spend tracking with manual entry.

  • Daily Safe-to-Spend runway
  • Manual spend entry
  • 1 credit card
  • 7 days of analytics
  • On-device encrypted storage
Get early access
For one person

Solo

₹99 / month
or ₹899 / year

Automatic capture, full analytics and merchant memory.

  • Everything in Free
  • UPI and card alert capture (Android) and iPhone Shortcut
  • Unlimited cards and full analytics
  • Merchant memory & auto-rules
  • 9:30 PM Nightly Roast and share card
  • 7-day free trial
Get early access
For two adults

Couple

₹149 / month
or ₹1,399 / year

Two people, each with their own ring, plus a shared Home Pool.

  • Everything in Solo
  • Two adults, each can add their own income
  • Shared Home Pool for rent & groceries
  • Personal spends stay private
  • 7-day free trial
Get early access

Prices in ₹ include GST and may change before launch. The final price, trial eligibility and renewal terms are shown by Apple App Store or Google Play at checkout. The app is not released yet; join the first users through the email button on a plan.

11Good to know

Questions, answered.

Everything you need to know about Burnly, from privacy to how alerts are captured.

Still have questions?

Write to the Grievance Officer, Udaya Krishnan.

Talk to us

No. Burnly is strictly an analytical expense tracker and budgeting copilot. It never initiates UPI transfers, executes payments, or holds deposits.

On eligible Android builds, optional SMS capture is offered only after explicit user consent. All parsing is performed directly on your device hardware — raw SMS text is never uploaded to any cloud server.

You can assign it a clean name and category once. Burnly’s Merchant Memory engine remembers that keyword phrase so future transactions from that merchant auto-categorize instantly.

Couple is for two adults. You share a Home Pool, and each of you decides which household expenses go into it. Personal transactions stay on that person’s phone and are never synced to the household. Anyone can choose to share their own transactions with another member, but only after confirming it, and they can stop at any time.

Paid plans start with a 7-day free trial where the store offers one. If you do nothing different, the plan renews at the price shown by Apple App Store or Google Play at checkout. You can cancel anytime in the store before the trial ends, and you’ll see the full terms before you confirm.

Yes. In full compliance with the Digital Personal Data Protection (DPDP) Act, 2023, you can export your records anytime or use our public Delete Account page.

12Grievance redressal · India

Contact the Grievance Officer.

In accordance with the Information Technology Rules and the DPDP Act, 2023. Grievance Officer: Udaya Krishnan.

Prefer email? [email protected]
13Get started

Run your money from one calm panel.

Burnly is opening to its first users in India. Tell us you’re interested and we’ll write when it’s ready.