Split Expenses & Track Your Budget — Built for India
Stop manually tracking expenses. Start understanding your finances. All processing stays on your phone.
WHAT WE SOLVE FOR YOU
100% Private
Processing happens locally. Your data never leaves your phone.
Auto-Everything
SMS parsing, receipt scanning, GST calculation — all automatic.
India-First
20+ banks, UPI connectors, GST slabs, tax calculations built-in.
One Problemat a Time
We solve your actual financial problems, locally first, synced securely.
100+ transactions hidden in your SMS
Solution: Ruphiy auto-detects transactions from SMS & UPI apps — instant categorization & sync
Paper receipts are lost and unmapped
Solution: Scan any receipt → auto-extract merchant, amount, items, tax — stored securely on your phone
Tax season is a nightmare. Manual GST is error-prone.
Solution: Ruphiy auto-calculates GST by tax slab. Export for filing — no manual work.
Who owes whom? Settle-ups are awkward.
Solution: Ruphiy tracks shared expenses with friends. Auto-calculates who owes what.
Where does my money actually go?
Solution: Connect bank statements & SMS. Get real patterns, trends, forecasts — visualized locally.
Bank statements are incomprehensible. Can't connect my accounts.
Solution: Import bank statements locally. Connect UPI apps. Visualize spending without storing data.
Ready to solve all 6 problems at once?
Download Ruphiy NowThe app that does it all
Track, split, and settle — all from one beautifully simple app.
Auto-capture every spend
Bank SMS parsed instantly. No manual entry. Transactions appear the moment you spend.
Split with anyone, any way
Equal splits, percentage splits, custom shares. Settle up with a single UPI tap.
Insights that actually help
Know where your money goes. Smart alerts before you overspend.
Powerful Features
Everything you need to manage expenses and budgets, designed for Indian financial habits.
Auto-Parse SMS
Automatically detects and logs transactions from SMS notifications from 20+ Indian banks.
Group Expenses
Split bills with friends easily. Equal, custom, or percentage-based splits.
Smart Analytics
Get insights into spending patterns, trends, and financial health.
Secure & Private
Bank-level encryption with row-level security. Your data stays yours.
Multi-Language
Support for Hindi, Tamil, Telugu, Marathi, and more.
Family Controls
Set and manage family budgets with parental controls and spending limits.
How It Works
Simple steps to start tracking your expenses and splitting bills.
Download & Sign Up
Install ruphiy and create your account in minutes. SMS permissions not required upfront.
Enable SMS Parsing
Grant SMS read permission to auto-detect your bank transactions as they arrive.
Create Groups
Start a group with friends or family to split expenses together.
Smart Tracking
Transactions are automatically categorized. Verify and manage them instantly.
Settle Up
See who owes whom. Send payment links and settle balances easily.
Get Insights
View analytics, trends, and budgets to control your spending.
Security & Privacy
Your financial data is sensitive. We treat it with bank-level security.
Row-Level Security
Each row in our database is protected with RLS. You can only see your own data.
Bank-Grade Encryption
AES-256 encryption for all sensitive data. In transit and at rest.
No Direct DB Access
All database operations go through secure RPCs. Never direct queries.
Session Management
Device fingerprinting, session tracking, and anomaly detection.
Regular Audits
Regular security audits and penetration testing by third parties.
GDPR Compliant
Full data export and deletion capabilities. Privacy first.
Full Transparency
We are transparent about how we handle your data. Read our privacy policy and terms to understand exactly how we protect your information.
Start free. Upgrade when you need it.
Everything you need to track expenses. One simple upgrade for power users.
Free
Forever. No strings attached.
₹99
for 6 months
Just ₹16.50/month
One-time payment. No recurring subscription. All data stays on your phone.
Frequently Asked Questions
Have questions? We have answers.
About ruphiy
ruphiy was born from a simple observation: managing finances in India is complicated. Between splitting bills with friends, managing family budgets, and tracking transactions from multiple banks, there was no single app that understood the Indian context.
We built ruphiy to solve this problem. By intelligently parsing SMS from 20+ Indian banks, we eliminate manual entry. By making group expense splitting intuitive, we help friends and families stay transparent about money. By prioritizing real-time communication and cultural nuances, we've created something genuinely built for India.
Today, over 50,000 Indian users trust ruphiy with their financial data. High school students use it to split road trip expenses. Accountants use it to manage multiple clients. Families use it to teach kids about money. We're proud to be part of their financial lives.
Our Mission
To make financial management transparent, effortless, and fair for everyone in India. We believe that by removing friction from expense tracking and bill splitting, we help people make better financial decisions and strengthen their relationships.
Our Values
Privacy First
Your financial data is sacred. We use bank-level encryption and never sell your data.
Simplicity
Financial apps shouldn't be complicated. We obsess over making ruphiy intuitive.
Fairness
Equal splits, custom splits, percentage splits. You control how expenses are divided.
Cultural Respect
We understand Indian financial habits, festivals, and family dynamics.
Questions? Let's talk.
We're building Ruphiy for you. Tell us what you think.
Or email us directly at info@ruphiy.in