Spends file themselves
Reads the payment alerts your bank and payment apps already post — UPI, card or netbanking — and files each one in seconds. Or share a bank message into Lekhya, or copy it. All read on your phone, never your inbox.
Privacy-first personal finance · Made in India
Track every rupee.
Keep every secret.
Spends, budgets, savings, investments and shared expenses — one calm, organised place for all of it, entirely on your phone. No account to create, nothing sent to a server, ever.
No account · No ads · No subscription · Works fully offline
How it works
Your money diary writes itself — on your phone
A payment happens, Lekhya notices, and files it away neatly. Or you add it yourself in a couple of taps. Every step runs on your device.
-
1
A payment happens
UPI, card, netbanking, cash — however you paid. Your bank posts its usual alert, or you tell Lekhya yourself from the Lock Screen.
-
2
Lekhya reads it locally
On your device, Lekhya reads the alert into a transaction — merchant, amount and a suggested category. Nothing is uploaded.
-
3
It's filed and understood
It lands in your ledger, counts toward your budget, and feeds your trends, your net worth and your goals — all stored, encrypted, on your phone.
What's inside
Everything you need to stay on top of money
Considered, calm features — no gamification, no nagging, no dark patterns.
Budgets that forecast
Set overall and per-category budgets with a live month-end projection, so you see where you'll land before you get there.
Clear insights
Spending by category, twelve months of spend-vs-income trends, and a tidy monthly summary — facts, never judgement.
Recurring detection
Spots EMIs, subscriptions, and rent automatically, and nudges you only when something's due soon.
Encrypted backups
Export an AES-256 .lkh file locked with your own passphrase.
Lekhya can't open it. No one can — except you.
English & हिन्दी
Full Hindi and English, with Indian ₹ lakh and crore formatting that reads the way your bank writes it.
Everything you own, in one place
Track gold and silver, stocks, mutual funds and SIPs, fixed deposits and manual accounts — and see your net worth roll up across all of them. Every rate is one you enter, so nothing is ever fetched from anywhere.
Commitments & goals
EMIs, rent and subscriptions detected automatically or added by hand, with reminders before they're due. Savings goals you can link to a real holding.
Split with friends
Shared expenses, per-person balances and settle-up suggestions — without anyone needing an account, because there are no accounts.
One tap to add
Touch and hold the app icon, or add straight from your Lock Screen — a silent shortcut on Android, a Lock Screen widget on iPhone. No amount is ever shown on a locked screen.
Private by architecture
Not a privacy promise. A privacy design.
Most apps ask you to trust a policy. Lekhya removes the need to trust at all — the app has no internet permission, so your data cannot leave your phone, even if we wanted it to.
- No
INTERNETpermission in the app — check it yourself in Settings → App info - No analytics or tracking SDKs (no Firebase, no Mixpanel)
- No crash reporting that phones home
- Lekhya never reads your inbox — it has no SMS permission at all
- Backups are encrypted with your passphrase — only you hold the key
Why Lekhya is different
Built so it can't be tempted to monetise you
Lekhya cannot push you a loan, sell your data, or serve you an ad — not because we promise not to, but because it runs entirely on your phone, has no internet permission, and charges you once, forever.
LekhyaAn app funded by your data
How it makes money
You, once — ₹249 forever
Ads, loan referrals, data
Where your data lives
Encrypted, on your phone
Uploaded to their servers
Loan & credit-card pushes
Never — it can't
A revenue line
Account & sign-up
None — just open and use
Usually required
Designed for
Your clarity
Engagement
It isn't that we promise not to. It's that the architecture and the business model make it impossible. An app paid for once, by you, has nothing to gain from your data — and an app with no way to send it has no way to try.
Simple, honest pricing
Pay once. Yours forever.
No subscription. No trial that auto-charges. No “premium” that holds your own data hostage.
Free
₹0
- Payments filed automatically
- Monthly budget, alerts & safe-to-spend
- 12 months of spend-vs-income trends
- Recurring detection & Money Story
- Encrypted backups & CSV export
- App Lock, dark mode, green or blue
- English & हिन्दी
- Fully offline & private
Lekhya Pro
₹249 one-time, forever
- Everything in Free
- Per-category budgets & custom categories
- Savings: gold, stocks, funds, SIPs, FDs
- Goals linked to a real holding
- Bill, EMI, SIP & FD reminders
- Split groups & CSV import
- Year-in-review Money Story
Free to try for 7 days. No card, nothing to cancel.
Get Lekhya, then upgradeYour ledger is ready
Track every rupee, keep every secret. Download Lekhya and start in seconds — no account needed.
आपका पैसा। आपकी लेख्य। किसी को नहीं पता।