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Vittafy
Now on Android · free, no account

Every bank mail you ignore, turned into a clear picture.

Automatic expense and net worth tracking for India - powered by AI that runs on your phone.

No spreadsheets No manual entry No bank passwords
Install Vittafy See how it works
0 Vittafy servers your mail passes through. The model reads it on the phone, even with no signal.
K
Kotak 811Salary credit · ₹2,14,000
H
HDFC BankDebit · ₹1,860 on card 4417
N
NetflixPayment successful · ₹649
9:41offline
Good morning, AditiFriday, 31 July
NET WORTH ₹11,84,200 ▲ ₹10,360 this month
Spent today₹1,860
Safe to spend₹24,140
HDFC savings is running thinTwo auto-debits land Monday. Move ₹5,400 from Kotak to stay clear.
Upcoming this week₹17,240
S
SIP - Parag Parikh FlexiMonday · auto-debit
₹15,000
A
Airtel PostpaidWednesday · auto-debit
₹1,099
J
Jio FiberThursday · auto-debit
₹1,141
Reading new mail on this phone…412 read this month · 0 uploaded
ASK

Ask it anything, with the phone offline.

Last month's spend, a subscription you forgot, whether the trip is affordable. Ask answers from your own ledger and holdings and shows the transactions behind every claim. The model runs on the phone, so it answers with no signal at all.

TRY ONE
Install Vittafy
Vittafy AIon-device model · offline
No signal
Where did my salary go this month?
Reading July's ledger
Grouping 23 debits by category
Adding up what went out

₹2,14,000 came in on 1 July and ₹86,410 has gone out: ₹42,000 rent, ₹15,000 into the Zerodha SIP, ₹18,240 on the ICICI card and ₹11,170 in everyday spend.

SOURCES · FROM YOUR MAIL23 transactions
Rent - Aug1 Jul · HDFC ·4417
−₹42,000
ICICI card bill18 Jul · HDFC ·4417
−₹18,240
Zerodha SIP5 Jul · Kotak ·0912
−₹15,000
Answered on this phone in 0.8s · nothing sent anywhere
Ask about your money…
THE PROBLEM

Six institutions mail you. None of them add up.

Salary in one bank. Cards in another. UPI everywhere. SIPs, rent, bills and renewals in four more places. Every one of them mails you - and the picture only exists if you sit down and assemble it.

K
Salary account Credited on the 1st, spent from three other places by the 10th
mails you
C
Credit cards A statement once a month, long after the spending happened
mails you
U
UPI, everywhere Dozens of small debits across every account you own
mails you
+
SIPs, rent, insurance, renewals Each in its own corner of the inbox
mails you
ONE PLACE IT ADDS UP Does not exist, unless you build it yourself.
HOW IT WORKS

From a bank alert to an answer, in four steps.

about two minutes, once
01
Connect Sign in with Google and grant read-only access to the mailbox your bank already writes to. No banking credentials, no aggregator.
02
Read on device The AI model Vittafy downloaded to your phone pulls amount, merchant, account and date out of every transaction mail.
03
Build your ledger Entries are deduplicated, categorised and matched to the accounts and recurring bills they belong to.
04
Understand your money Open the app to a net worth that is already current, or ask a question in plain English and see the transactions behind the answer.
CONNECT YOUR EMAIL

Your bank already emails you everything.

Connect your inbox once and Vittafy reads the alerts your banks and cards already send - debits, credits, salary, bills, card swipes - and turns them into a live ledger. No manual entry, no bank credentials, no aggregator sitting in the middle.

Sign in with Google - the consent screen is Google’s own.
Read-only - Vittafy never sends, replies or deletes.
Every transaction alert is read by the model on your phone.
PDF statements are read the same way when a month has to land at once.
Install Vittafy
GOOGLE’S OWN CONSENT SCREEN Vittafy wants access to your Google Account
Read your email messagesThe only permission Vittafy asks for
Send email on your behalf
Delete or manage your mail
Vittafy only opens messages that look like transaction alerts, keeps only the extracted fields rather than the mail, and marks which ones needed the AI.
SENDERS ALREADY WRITING TO YOU
HDFC Bank Kotak 811 ICICI Credit Card Zerodha Netflix Airtel Jio Fiber and the rest of your inbox
WHAT YOU GET

Everything about your money, in six screens.

Each screen is built from your own mail - already read, already categorised, with the source message one tap away. You make the decisions; Vittafy keeps the books.

A ledger that fills itself Transactions arrive from your inbox already categorised, merchant names cleaned up, with the source email one tap away.
S
SwiggyEating out · HDFC ·4417
−₹1,860
K
Salary - JulyIncome · Kotak ·0912
+₹2,14,000
N
NetflixSubscription · ICICI ·3380
−₹649
B
BluSmartTravel · HDFC ·4417
−₹412
R
Rent - AugHousing · HDFC ·4417
−₹42,000
Z
Zerodha SIPInvesting · Kotak ·0912
−₹15,000
A
Airtel PostpaidBills · ICICI ·3380
−₹1,099
A morning read Net worth, spent today and safe to spend, plus the one nudge worth your attention before you open anything else.
NET WORTH3 banks · 5 instruments
₹11,84,200▲ ₹10,360
Spent today₹1,860
Safe to spend₹24,140
HDFC savings is running thinTwo auto-debits land Monday. Move ₹5,400 from Kotak to stay clear.
Everything you own Stocks, crypto, SIPs and property in one list, with returns measured against what you actually paid. No brokerage login.
Goals that warn you Set a target and Vittafy watches real cash flow against it, telling you the month it starts to slip rather than at the end of the year.
Splits without the chase Track what friends owe you, send a reminder, and mark it settled the moment the money lands.
Nothing missed Recurring debits, rent and renewals found in your own mail history, lined up against the balance that has to cover them.
HOW THE AI READS IT

The model lives on your phone.

Vittafy downloads its AI model once, during setup. After that every transaction mail is read on the device: the model pulls out the amount, merchant, account and date, and only those fields are kept. Your mail never leaves the phone to be understood, and there is no Vittafy server it could pass through.

Runs on Your phone, offline
Model download Once, at setup
Cost to you Free, funded by ads
ON YOUR PHONE works with no signal
HDFC BankAlert: Debit of Rs. 1,860.00 on card ending 4417
Vittafy’s AI model, on the deviceDownloaded once at setup
Only these four fields are kept
₹1,860 Swiggy HDFC ·4417 31 Jul
Vittafy serverThere isn’t one. Nothing above this line ever leaves the phone.
When it reads a mail wrong It will, sometimes. Every entry keeps a link to the message it came from, so you can check it against the mail. Correcting the amount, merchant or category takes one tap and the correction sticks for that sender. We will publish an accuracy figure once we have measured it on real mail, not before.
How a free app pays for itself Vittafy shows ads through Google AdMob. The ad network receives your advertising identifier, device and app information, and an approximate location from your IP. It never receives your mail, transactions, balances, holdings or questions. The privacy page lists exactly what it gets.
YOUR DATA

Your financial data stays on your phone.

Read the full privacy page for the detail: what is read, what is kept, where it is kept, and what the ad network does and does not receive.

Read the privacy page
What happens on your phone
Transaction mail is read on the deviceMail is fetched straight to the phone and parsed by the model that lives there.
Only four fields are keptAmount, merchant, account and date. The message itself is not stored.
The numbers live in the app's encrypted storeBehind a fingerprint or passcode every time you open it.
You can export it all, or delete it allCSV whenever you like, and a delete really is a delete.
What never happens
No Vittafy account, no Vittafy databaseThere is no server in the middle to hold a copy of anything.
Your mail is never uploaded to be parsedIt never leaves the phone to be understood.
Advertisers never receive your moneyAdMob gets an advertising ID, device info and an approximate location - no mail, transactions, balances or holdings.
No bank passwords, no aggregatorRead-only mail access is the only permission you grant.

Install it, connect your inbox, and see a month of your money in minutes.

Free on Android. Connect the mailbox your bank writes to, and the first month fills itself from mail already in your inbox.

Get it on Google Play Download the APK
PLAY STOREUpdates arrive on their own. Vittafy is in closed testing there, so ask for access and we add your Google account.
APKInstalls straight away, no access needed. Android asks you once to allow it, and you update by downloading the next build yourself.
Android 10+ · free, ad-supported · no Vittafy account
YOUR FIRST RUN on device
Inbox connected, read-only
Six months of mail read back
Recurring bills and subscriptions found
Net worth, ready when you open it
₹11,84,200▲ ₹10,360
Built from mail already in your inbox - nothing typed in.