01
Only what it needs
From a bank message Monidhi keeps the amount, merchant, sender and time, plus a one-way fingerprint to spot duplicates. The message text is discarded once it's read.
About Monidhi
A treasure-keeper for your money.
Monidhi is a private finance journal for web and mobile. It turns the bank messages you already get into a clear record of where your money comes from, where it goes, and what it all adds up to.
- Made in Kochi, India
- Web · iOS · Android
- One journal, every device
The name
A treasure of jewels.
Monidhi comes from the Sanskrit maṇinidhi: maṇi, a jewel, and nidhi, a treasure in someone's keeping. Kubera, treasurer of the gods, is said to guard nine of them.
That's the idea behind the journal. Every paisa in its place, and you the one keeping count.
मणि-निधि
- मणि maṇi
- A jewel
- निधि nidhi
- A treasure in safe keeping
Why it exists
Most of us learn where the money went after it's gone.
Every card swipe, UPI payment, salary credit and EMI already sends you a text. The record of your money exists. It's just scattered across hundreds of messages that nobody reads.
The apps we tried wanted everything up front: every account, every login, every habit. Spreadsheets asked for a discipline that rarely survives the end of a long day.
Monidhi sits in between. It reads the messages so you don't have to and files each one as an entry you confirm in a tap. The rest of your financial life lives in the same journal: trips, investments, the flat, the family gold.
What we hold to
How Monidhi behaves.
The rules it's built around. Our privacy policy has the full detail.
02
No bank or broker logins
Messages fill your journal, and you type in investment and asset values yourself. Monidhi never connects to your broker or fund house.
03
Never for sale
We don't sell or rent what you record. That commitment binds anyone who might own Monidhi in the future.
04
Plain about where it lives
Your journal is stored on our servers under your account, which is how it syncs across web and mobile. Staff tools show your profile and the names of your accounts, never your transactions or balances.
05
Yours to take with you
Export your transactions as a CSV whenever you like, and delete your account from Settings at any time. It's gone at once, and from our backups within 30 days.
06
Made for Indian money
Rupees and paisa, UPI and card alerts, EMIs, PPF, EPF and gold: the way money actually moves here.
Say hello
We'd like to hear from you.
3-minute setup · No card required
Start your kosh.
A treasure-keeper for your money — and yours alone.