In development Free on Google Play when it’s ready. No ads, no loans, no accounts.
How much can I spend today?
Kaasu answers that one question. It notices the payments you make with PhonePe, CRED, your bank and your card apps, asks you to confirm each one with a tap, and turns your salary into a safe daily limit. Everything stays on your phone.
Every kaasu counted.
The screens on this page are a concept of the app, drawn in code. Kaasu is still being built, so the real app will differ in details.
The vault, on your phone
One screen answers first
Open Kaasu and the first thing you see is today’s safe number — a gold ring that fills as the day is spent, a ruby only where you’re needed. Everything you do often sits in the lower half, within a thumb’s reach of the dock.
Your plan saves 10% of your salary. Many people aim for at least 20%.
Based on this month’s plan · awareness, not adviceBuilt to answer in one glance
- A safe daily limit.
Your salary minus fixed costs and savings, spread across the days left. It never shows more than is safe, and it’s honest when there’s nothing free to spend.
- Nothing counts until you confirm.
A detected payment is held against today and labelled, until you tap to confirm or dismiss it. Totals only ever read confirmed money.
- Quiet, honest insights.
Awareness, never advice. Every line names what it’s based on — no nudges to spend, no products, no scores.
Every screen, cut from the same metal
The gallery
These are the app’s own screens, drawn from the Vault design sheets. Turn the device: upright the dial sits over the list and the dock is under your thumb; on its side the dock stands up as a rail, the dial takes a column that never scrolls away, and the payment card lies down to use the width.
Screens
Your plan saves 10% of your salary. Many people aim for at least 20%.
Based on this month’s plan · awareness, not adviceYour plan saves 10% of your salary. Many people aim for at least 20%.
Based on this month’s plan · Not usefulToday
₹60,000 of ₹1,26,000 (48%). At ₹5,000 a month, about 14 months to go.
Salary
Fixed costs · ₹21,000
Save first · ₹5,000
₹60,000 of ₹1,26,000 (48%).
At ₹5,000 a month, about 14 months to go · Change32 small spends under ₹200 added up to ₹3,150 this month, mostly Food (chai, snacks).
Based on 32 confirmed spends, 1–18 Oct · Not usefulYou’ve paid Spotify ₹119 every month, 4 times so far. That’s ₹1,428 a year. Still using it?
Based on 4 payments since June · Not usefulThis week so far: ₹3,900 in 17 spends, about ₹600 less than the same days last week. Biggest: Shopping ₹1,450.
Based on confirmed spends, Mon–Thu · Not usefulKaasu helps you see your spending. It is not financial advice.
32 small spends under ₹200 added up to ₹3,150 this month, mostly Food (chai, snacks).
Based on 32 confirmed spends, 1–18 Oct · Not usefulYou’ve paid Spotify ₹119 every month, 4 times so far. That’s ₹1,428 a year. Still using it?
Based on 4 payments since June · Not usefulThis week so far: ₹3,900 in 17 spends, about ₹600 less than the same days last week. Biggest: Shopping ₹1,450.
Based on confirmed spends, Mon–Thu · Not usefulKaasu helps you see your spending. It is not financial advice.
For
Paid with
How it counts
Three ways in, one truth
However the money moves, Kaasu records it the same way: as something you’ve seen and labelled. Nothing is invented, and nothing is guessed in secret.
From the notification
Kaasu reads the payment alerts from the apps you choose — PhonePe, CRED, your bank, your card apps — and asks you to confirm, right from the notification. Two taps and it’s counted.
Just say it
“Chai, twenty rupees.” Hold the gold jewel and speak. Kaasu offers whichever languages your phone already has, so the words are written down in your own language, on your phone, never sent away. It asks for a missing pack, but the phone does not always fetch one — and some languages, Telugu among them, a phone may not offer at all. Reading the amount back out of the words is English-first today.
Add it by hand
A quick form for the payment no alert covered. Amount, who, a category — done. Every entry is labelled confirmed, detected or estimated, so you always know what’s solid.
All three arrive the same way: as one entry you have seen and labelled. Nothing counts until then.
Nothing leaves your phone
Private by construction
This isn’t a promise written in a policy. Kaasu has no internet permission at all, so Android itself won’t let it send anything — even if it wanted to.
The one line that matters, enforced by the operating system — not by trust. Open App info for Kaasu and see for yourself: there’s no network access to grant.
- Only the apps you pick.
Every other notification, from WhatsApp to email, is ignored the instant it arrives — never stored, logged or counted by name.
- No OTPs, ever.
An alert that looks like it carries a code is thrown away before anything is saved.
- Encrypted, with a lock.
Your data is encrypted on your phone and can be locked with your fingerprint or screen lock.
- No accounts, ads, trackers or loans.
No sign-up, no bank linking, no offers, no credit score. The only backup is a file you choose to make and keep.
Try a month
Turn a salary into a daily limit
Move the sliders to see the one number Kaasu would show you. This runs entirely in your browser; nothing is sent anywhere.
free this month, across 30 days. Spend less one day and tomorrow’s limit rises.
Honest about the build
What’s not finished
Kaasu can only count what it can see. If it stops listening, it tells you. And we keep a public list of what isn’t done yet — it’s a promise, not an afterthought.
These are the gaps we know about today, in the same words the app itself uses on its What’s not finished screen. Nothing on this page claims anything an open entry below contradicts.
| Folio | Area | What isn’t finished | What you can do meanwhile |
|---|---|---|---|
| L-001 | Sorting payments | The rules that tell spending from card bills, own-account transfers, savings and refunds were written from documentation, not yet checked against real alerts. Some payments may be sorted wrongly at first. | Tap “Not spending” or “Change” on the card; the inbox lets you fix it later. |
| L-002 | Sorting payments | Category suggestions come only from what you confirmed before. The built-in shop list (Swiggy → Food, Uber → Transport…) is not wired in yet, so the first payment to a shop says “Pick category”. | Pick once; Kaasu remembers it for that shop. |
| L-003 | Voice entry | Voice entry understands English, Hindi and Telugu numbers — in both scripts and the romanized forms — and a short list of English category words. Mixing languages mid-sentence is not supported yet, and no other language’s numbers are. | Say the amount in digits (“150 chai cash”), or type it. |
| L-004 | Reading alerts | Only PhonePe, CRED and the HDFC Bank app alerts are read. Google Pay, Paytm and other banks are not detected. | Add those payments by hand or by voice. |
| L-005 | Reading alerts | The reading rules were written from sample alerts, not from real captures yet. Real alerts may differ and land in “Couldn’t read”. | “Couldn’t read → Add it yourself” keeps the payment; captured alerts will fix the rules. |
| L-006 | Privacy | On Android 15 and later, the text Android shows in place of a hidden one-time code is assumed to be “Sensitive notification content hidden”. If your phone words it differently, such alerts show up as “Couldn’t read” instead of being skipped quietly. | Nothing to do; no code or text is stored either way. |
| L-007 | Reliability | The “confirm in under 300 ms” promise is not measured yet. | — |
| L-008 | Reliability | Nothing has run on a phone yet: listening, the encrypted database and the notification buttons are built, but the checks on a real phone are still to do. | — |
| L-009 | Plan | The plan form asks “Apply from today or from next month?”, but fixed costs paid above their plan line are not yet subtracted from free money. | Edit the plan line to the real amount. |
| L-010 | Reading alerts | After an app update with better reading rules, alerts Kaasu already saw are not re-read with the new rules yet. | Add the missed payment by hand; new alerts use the new rules. |
| L-012 | Repeats | When one app says a payment went through and another says it failed, Kaasu holds it as failed and counts nothing. A refund that arrives later is shown as money in, but it is not tied back to the payment it refunds. | Nothing to do; the amount is never counted as spending. |
| L-013 | Reading alerts | A payment that is still going through is shown without a Confirm button until the money has actually moved. If the payment app never sends that last alert, it stays waiting instead of being confirmed. | Add it yourself if you know it went through. |
| L-014 | Widget | The home-screen widget is not finished. “How much can I spend today?” is answered in the app, not yet on your home screen. | Open Kaasu to see the day. |
| L-015 | Insights | Home does not yet warn you when you may have forgotten to add something, and it has no checklist for after a phone update. The listening pill is the only sign. | — |
| L-016 | Insights | Insights about this month work. The ones that compare months, spot a subscription you forgot, or sum up a week stay quiet until Kaasu has enough history to say something true. | Nothing to do; this month’s insights work. |
| L-019 | Reliability | A spend can only be removed on the day you added it, because Today is the only list that shows your own spends. A wrong amount from an earlier day cannot be corrected yet. | Catch it the same day. |
| L-020 | Plan | The plan rows show what each fixed cost and savings line is planned at, not whether you have paid it this month. Nothing matches a payment to a plan line yet, so no row claims to be paid. | Check Today or Review for the payment itself. |
| L-024 | Setting up | If Kaasu was installed from a file rather than from a store, Android can refuse to let you turn notification access on at all. The switch is there, but the phone answers that the app was denied access. Setting up cannot tell in advance that the page will refuse you, so it does not warn you first. | Tap “Blocked or greyed out?” on that step. By hand: Settings → Apps → Manage apps → Kaasu → ⋮ → Allow restricted settings, then come back and turn the switch on. |
| L-025 | Repeats | When you tell Kaasu that two alerts are really two different payments, it remembers that — but against the alerts as they were read at the time. An update that changes how those alerts are read could undo your decision and join them back together. | If a split you made comes back, split it again. |
| L-026 | Voice entry | Speaking a spend in Telugu does not work on the phone we tested. Asked directly, it answers that Telugu is not available at all — not that it needs downloading. English works, and Hindi can be downloaded. | Speak in English, or type the spend. Amounts said in digits work whatever the language. |
| L-027 | Voice entry | Asking the phone to download a language pack does not work there either. Kaasu asks, waits three minutes, and the phone still says the pack is only available to download. A language Kaasu offers may never become usable. | Use a language already installed on the phone, or install the pack yourself in the phone’s speech settings and come back. |
| L-031 | Privacy | Kaasu reads alerts by the app’s package name, which Android assigns and no other app can claim. What it cannot yet tell is whether the app behind that name is the real one: if your PhonePe were replaced by a fake build using the same package name, Kaasu would read its alerts as genuine. The certificate check is built and runs, but the list of certificates to check against is empty — one is only worth trusting once it has been read off a genuine install. | Install your payment apps from the Play Store, and leave “install unknown apps” off for anything you did not mean to sideload. |
| L-032 | Export | The plain export (.csv and .json) cannot be given a password. Kaasu tells you the file is not protected before writing one, but there is no password-ZIP option yet, so the only protected export is the encrypted backup — which only Kaasu can open, not a spreadsheet. The exported file is in English whatever language the app is set to. | Use the encrypted backup for anything you keep or send. Use the plain export on your own computer, and delete it when you are done with it. |
| L-033 | Language | Every screen is in English. Kaasu is built for India and takes spoken Hindi and Telugu into account elsewhere, but the app itself has no Telugu or Hindi translation yet — all its text is English, whatever language your phone is set to. It is ready to be translated; the translating needs native speakers, and that has not happened. | Use Kaasu in English. Nothing is hidden by the language — the numbers and the buttons are the same. |
24 open entries, last checked 27 October 2026. The list lives with the code, and the app carries the same one offline — so it cannot quietly fall out of step with what Kaasu actually does.
Questions
Things people ask
Short answers. If one of them ever contradicts an open entry in the ledger above, the ledger is the one that is right.
Which apps does Kaasu work with?
The ones you choose from an allowlist — PhonePe, CRED, your bank and card apps. For anything else, Kaasu reads only the app’s name and then stops; it never looks at the text.
Does Kaasu read my SMS?
No. The Play Store build never asks for SMS permission and never scrapes your Messages app. It works from payment notifications only.
Does it need my bank login, or an account?
Neither. There’s no sign-up, no bank linking, no account of any kind. Install it and it works, entirely on your phone.
How do I know nothing leaves my phone?
Kaasu has no internet permission, so Android won’t let it send anything. You can check this yourself in App info — there’s no network access to grant.
Which languages can I speak to it in?
Whichever ones your phone can recognise — Kaasu asks Android and offers you that list, rather than a short list of blessed languages. Two honest caveats, both measured on a real phone. Kaasu can ask for a missing pack, but the phone does not always fetch one. And the list is the phone’s, not ours: on the phone we tested, English was installed, Hindi could be downloaded, and Telugu was not offered at all. What is also still catching up is the reading: pulling the amount and the category out of those words is English-first today. Speak the amount in digits and it works in any language.
What does “kaasu” mean?
To us, a small coin — the little, everyday money that’s easy to lose track of. The whole app is about counting exactly that.
Is it free?
Yes. Free on Google Play when it’s ready, with no ads and nothing to buy. Kaasu makes no money from you, by design.
Is this financial advice?
No. Kaasu is an awareness tool. It shows you your own money clearly and never tells you what to do with it — no investing, no lending, no nudges.