TLDR Classic is an expense tracker for India, made by TLDR Money. Type what you spent the way you’d say it, like “chai 20” or “uber 240 yesterday”, and it’s saved, with the amount, category and day worked out for you.
No bank login and no ads, on any plan. Every new account gets Pro free for 30 days, no card needed.
iPhone: coming soon
When the tracking is free and nothing is ever charged, the revenue comes from somewhere else — and that somewhere else is usually a product being sold back to you. We took the other path.
All legitimate. But each one gives the app a reason to sell you something.
The Pro subscription. That's the whole business model.
The subscription is the alignment. We only do well if the product is worth paying for — not if we can point you toward something else.
Typing an amount into four boxes is why most people give up on tracking in the second week. So you write a line, or say one, and the app fills in the boxes.
Write “1.2k swiggy dinner” or “dmart 2340 #home” and it’s saved, with the amount, category, day and tags worked out. Several lines go in at once, and the full form is there when you want every detail. On phones that can, you can say it instead: speech is turned into text on the phone, and the audio is never recorded or sent. More on why logging it yourself works.
Ask “how much did I spend on food last month?” and get the answer with the entries behind it. The question can go to an AI model to be understood, but the answer is always counted by the app from your own entries, never by the AI. Ask never gives financial advice.
A monthly budget and budgets per category, with what’s left of each. Rent, SIPs and subscriptions can repeat on their own, a list keeps your planned purchases, and a reminder nudges you, or none does. Budget alerts at 80% and 100% come on iPhone only, because the Android app sends no push notifications.
Share one ledger, Ours, with your partner and keep your own, Mine, private. Each of you writes from your own phone, iPhone or Android, and Ours shows who added what. Pro covers your partner too. On iPhone you also get a quiet note when they add an entry. How couples use Ours.
In rupees, share a UPI payment screenshot to TLDR Classic. The amount, the payee and the time are read on your phone and written down for you to confirm, and the screenshot is never uploaded. On iPhone, a Shortcuts automation can also log tap-to-pay purchases made with Apple Pay. How UPI screenshots work.
Home screen widgets with two quick-add buttons, on Android and iPhone. On Android, a Quick Settings tile and app shortcuts log a spend in a tap. On iPhone, a Control Centre or Lock Screen button, the Action button and Siri do the same, on any plan.
Also in the app: a recap card of your month to save or share, a privacy eye that hides every figure, and a full download of your data on every plan. Every feature, and how it works ›
For couples: how to budget as a couple, a budget app for couples and a shared expense tracker.
Screens from TLDR Classic itself, in rupees. No dashboard to assemble first, and no template to fill in.
Write it any way
“auto 120 yesterday” becomes an entry under Transport, dated yesterday. The chai before it took one line too. Nothing to pick from a list, and nothing to tap through.
Analyze
Spending, income and what you saved, this month or last. Pro opens 3, 6 and 12 months and any range you pick.
Ours (Pro)
Every entry in Ours says who added it, so nobody keeps a second list. Mine stays yours alone.
Budgets
A monthly budget and one per category, with what’s left of each and about how much you can spend a day to stay inside it.
Widgets
The month at a glance, and two quick-add buttons that save a spend in one tap. Shown here on Android; iPhone has home screen and Lock Screen widgets too.
No bank login, no SMS access, no access to your email. Everything in your ledger is something you wrote, said or confirmed, so there are no credentials of yours here for anyone to lose. How it works, in full, and what a budget app without a bank link looks like.
Most lines are read on your phone. Only a line it can’t read, an Ask question or an entry name it can’t place goes to Claude, by Anthropic, and only after you agree. Never your totals, and Anthropic doesn’t train on it. Switch AI off in Settings and everything else keeps working.
Speech is turned into text on the phone itself. The audio is never recorded or sent. TLDR Classic can never move money, place trades, or open accounts on your behalf.
No data brokers, no ad networks, and no ads on any plan. Your entries are stored on servers in Mumbai, and a full download of everything you logged is in Settings, on every plan.
Built to India's Digital Personal Data Protection Act. See, correct and delete your data, and delete your account from inside the app. The privacy policy has the detail.
Every new account gets Pro free for 30 days, with no card to enter. After that you choose: stay on Free, or buy Pro.
About ₹58 a week. Or ₹399 a month.
Outside India: US$3.99 a month or US$24.99 a year.
Billed by Google Play on Android and the App Store on iPhone. Nothing you log is deleted when a plan ends. The full comparison ›
Your funds, stocks, FDs and loans in one number, next to your spending. There’s no date for it yet.
They’re free because they make money elsewhere: brokerage commissions, loan referrals, distribution fees on the funds they sell you. That gives them a reason to sell you something. TLDR Classic has one revenue line, the Pro subscription. We don’t have a lending arm, we don’t sell insurance, and we don’t get paid when you buy a mutual fund. That leaves one way for us to earn: build something you keep paying for. We’ve written the comparisons out one by one, against spreadsheets, Mint, Walnut and broker apps.
No. There is no bank login, no SMS access and no access to your email. Everything in your ledger is something you wrote, said or confirmed. Most lines are read on your phone. Only a line the phone can’t read, an Ask question or an entry name it can’t place goes to Claude, by Anthropic, and only after you agree. Your totals never do.
Writing entries has no limit on any plan. Free includes this month and last month, 30 AI-read entries and 5 Ask questions a month, budgets, repeating entries, tags, lists, widgets and a full data download. Pro adds all your history, longer periods in Analyze, AI entries and Ask with no monthly limit, a ledger shared with one partner, UPI screenshots in rupees, bill photos, CSV and PDF export, and Apple Pay automation on iPhone. Pro is ₹399 a month or ₹2,999 a year.
Every new account gets Pro free for 30 days, with no card to enter and no store trial to cancel. After that the account is on Free unless you buy Pro, and nothing you logged is deleted: older entries are hidden until you upgrade. If you buy Pro during the free month, the free month ends and billing starts that day.
Pro is billed by Google Play on Android and by the App Store on iPhone, so you cancel it in the store, at least a day before it renews. Pro stays on until the end of the period you paid for. Deleting your account doesn’t cancel a subscription, and the full data download in Settings works on every plan.
TLDR Classic isn’t offered in the European Union, Russia or Belarus. In India, Pro is ₹399 a month or ₹2,999 a year. Everywhere else it is offered, Pro is US$3.99 a month or US$24.99 a year.
Free to use, with Pro free for 30 days on every new account. No ads on any plan, no referrals, no commissions.
iPhone: coming soon