₹42,000 a month, nothing saved, and no idea where it went
DK
Dinesh Kannan
ℹ️
Illustrative example — a written scenario showing how the tool is used, not a real customer testimonial.
Before
Dinesh earned ₹42,000 and reached the last week of every month borrowing from a friend. He was certain he was not extravagant. He had never once written down what he spent.
What they logged
- Every transaction the moment it happened — 15 seconds on the phone
- Category and payment method, UPI included
- Both income and expenses, so the net figure was honest
The moment it clicked
Month one’s category breakdown: ₹11,200 on food delivery and eating out. Not rent, not travel — lunch and dinner ordered because he had not planned. That single number was the shock.
What changed
| Measure | Before | After 9 months | |
|---|---|---|---|
| Monthly saving | ₹0, often overdrawn | → | ₹11,500 |
| Eating out | ₹11,200 / month | → | ₹3,800 / month |
| Borrowing before payday | most months | → | not since May |
How they keep track now
He logs as he spends and reads the category breakdown on the 1st. Any category that grows two months running gets a budget cap.
“I did not have an income problem. I had a ₹11,200 problem I could not see, because it arrived ₹180 at a time.” — Dinesh Kannan, Tirupur
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