Your money, one clear picture. On your own computer.
A privacy-first personal finance app, made for India. INCUES turns your bank, broker and EPF
statements into one honest ledger — and nothing leaves your machine.
Statements are read on your PC. No bank passwords, no screen-scraping, no uploads.
Every statement
PDF, XLS or CSV from your banks, brokers and EPF. Correct a category once and it sticks.
A real ledger
Net worth, cash flow and tax built from one double-entry ledger, not from estimates.
How INCUES grows your wealth
Five short reads on what INCUES does with your statements. They play on their own — or pick one.
1 OF 5 · YOUR FIT SCORE
One score for how well your money is built
A credit score tells a lender whether you will repay. Your FIT score tells you whether your money is set up to grow — from 300 to 900.
FIT
300–540Needs care
540–660Building
660–750Good
750–900Strong
FFoundation
Can you take a knock? Emergency money, insurance, debt and tax.
Safety net · Debt load · Tax
IIncome
How much of what comes in you keep, and how steady it is.
Spend control
TTrajectory
Where it is heading: investing, returns and goals on pace.
Wealth growth · Goals on pace · Money placement
Every suggestion INCUES makes is ranked by how many FIT points it adds.
2 OF 5 · A GOOD FINANCIAL FUTURE
Grow your wealth without shrinking your life
Saving everything and living on nothing is not a plan anyone keeps. INCUES aims for wealth you build while you live well, so the plan still works in year five, not just in month one.
Live well today
Needs and wants get a real budget, not a guilt trip.
Be ready for a knock
Emergency money and the right insurance come before chasing returns.
Let time do the work
Small, steady amounts towards each goal beat big, irregular ones.
3 OF 5 · GOALS
Every goal gets its own money plan
A holiday next year and a child’s college in fourteen years cannot sit in the same place. The nearer the date, the safer the money has to be.
WhenFor exampleHow it grows
Under 3 yearsA car, a holiday, a weddingDebt funds or recurring deposits: safe and steady
3 to 7 yearsA home down paymentA mix, moving to debt as the date comes closer
7 years or moreEducation, retirementEquity SIPs, moving to debt three years before
Name your goals in the app. Your budget then sets money aside for each one, every month.
4 OF 5 · YOUR LEDGER
Your ledger: every rupee, sorted
INCUES reads six months from your accounts and sorts each entry into a category. A budget is only as honest as that sorting: rent that looks like a bank transfer, or a SIP filed as spending, would put money in the wrong corner.
For example
Rent, by UPINeeds · Rent
Food delivery, on a cardWants · Eating out
Health insurance premiumSafety · Health cover
Monthly SIPGoals · Mutual funds
Spot one that is wrong? Change its category once, and INCUES remembers it for every entry like it.
5 OF 5 · YOUR BUDGET · THE MOST IMPORTANT
Your budget: where your goals get paid for
Everything before this comes together here. Your budget splits each month into four corners, built from what you actually spent over the last six months — so you live well today and still fund tomorrow.
NeedsBills you must pay every month.
WantsSpending you choose: nice to have, easy to change.
SafetyProtection to put in place before you invest.
GoalsMoney for plans with a date, paid in cash.
Every month
Plan the month
Spend and save
Close the month
Adjust
Closing the month is your review: what went where, what to change. Ten minutes, once a month.
Where your data lives
On your machine.
INCUES is a local-first desktop app: your statements and the database stay on your computer.
The only things that leave are your sign-in, the license check, and — if you switch it on —
anonymous telemetry and the feedback you choose to send. Telemetry is off by default.
Not invited yet?
Join the waitlist
Tell us which banks and brokers you use. We let people in a few at a time, and the
institutions you list help us decide who's next.
