Your financial life is not a lead generation funnel.
The private, self-hosted personal finance OS designed for India. Zero telemetry, client-side statement parsing, anchor-aware ledger math, and native tracking for EPF, PPF, NPS, SGBs, and mutual funds.
Zero tracking. No marketing calls. Unsubscribe at any time.
Modern fintech was built to harvest you, not empower you.
Popular Indian finance apps give away free net worth dashboards because your transaction graph is their primary monetization asset.
The Account Aggregator Trap
Consenting to Account Aggregator (AA) streams your exact debit metadata to third-party databases. Within days, you receive targeted credit card sales calls, personal loan pushes, and insurance spam.
Silent Balance Drift
Ordinary spreadsheets rely on unanchored cumulative sums. A single missed quarterly debit card AMC fee (₹236) permanently ruins your ledger accuracy for years until you manually forge a balancing entry.
Cloud SaaS Hostage
When a fintech startup pivots, hikes subscription prices, or shuts down, your decade of financial categorization, historical net worth snapshots, and tax records disappear overnight.
Designed for mathematical integrity and total privacy.
Every component in INR Finance Compass is built to treat your personal balance sheet with formal institutional rigor.
Anchor-Aware Ledger Math
Balances are locked to verified bank statement anchors. Reconciliation errors are mathematically bounded to the exact monthly billing interval, leaving all other periods pristine.
100% Client-Side Statement Parsing
Drag-and-drop password-protected bank PDFs (HDFC, ICICI, SBI, Axis) and CAMS/KFintech eCAS. Your statements are parsed entirely inside your browser sandbox. No server upload.
Bespoke Indian Asset Engine
Native modeling for EPF dual-ledger taxation (Section 10(11)/(12) ₹2.5L threshold), PPF compounding, NPS Tier-1 asset classes, and SGB semi-annual coupon payouts.
Strict Double-Entry Invariants
Every transaction belongs to an auditable source and destination. Inter-account transfers (e.g. Bank to Credit Card or Bank to Brokerage) never double-count expenses.
Bring-Your-Own-Database (BYOS)
You hold your PostgreSQL encryption keys. Connect your own private Supabase project or spin up a local PostgreSQL container. Complete data independence.
Zero Telemetry & Ads
No Google Analytics, no Facebook Pixels, no loan recommendation engines. The software serves you and only you.
Why anchor ledgers make reconciliation mathematically deterministic.
In standard expense apps, if you miss a ₹17.70 SMS fee in May 2024, every balance calculated until December 2026 is wrong.
With anchor-aware architecture, your bank statements act as cryptographic checkpoints. The equation balances to zero for each monthly cycle independently:
Self-Host on Your Own Machine or Private VPS.
Instead of trusting a venture-backed cloud with your financial ledger, run INR Finance Compass locally or on your personal server. You maintain 100% database sovereignty.
Clone the Core Repository
Get the full audited source code of the personal finance client app:
cd inr-finance-compass
npm install
Configure Your Database
Bring your own Supabase project (free tier) or spin up a local Supabase Docker instance:
# Set your VITE_SUPABASE_URL
# and VITE_SUPABASE_ANON_KEY
Run Locally or Deploy to VPS
Launch your private web app locally or build a production container for your homelab/server:
# Or build static release:
npm run build
Need production Docker Compose templates?
Join the early access waitlist to receive pre-configured 1-command Docker Compose configs and migration scripts.
Pragmatic Indian Wealth Guides
True Net Worth Tracking Across Sovereign Indian Assets (Without Account Aggregators)
How to track real economic net worth across Indian-specific instruments — SGBs, NPS Tier-1, Gold, Mutual Funds, and EPF — with zero telemetry and total data sovereignty.
Why Bank Statement Balances Drift (And How Anchor Ledgers Fix It)
A deep dive into why cumulative finance spreadsheets and fintech aggregators inevitably drift out of sync with your true bank balance, and the mathematical invariant that eliminates reconciliation drift.
The Exact Math Behind EPF vs PPF Compounding (And the ₹2.5 Lakh Tax Trap)
Why the standard advice 'just max out your VPF' breaks down once your basic salary crosses a specific number under Section 10(11)/(12) of the Income Tax Act.
Frequently Answered Questions
How is INR Finance Compass different from apps like CRED, Fold, or Walnut?
Conventional apps read your SMS inbox or use Account Aggregator (AA) APIs to pull bank balances, which are sent to their cloud servers to train credit models and push loans. INR Finance Compass has zero telemetry. It is completely open-source and self-hostable. Your bank statements are parsed client-side in your own browser, and data is stored only in your private PostgreSQL instance.
How does client-side PDF parsing work without uploading my bank statements?
When you drag and drop a bank PDF (e.g. HDFC or ICICI) or a CAMS/KFintech CAS statement, a WebAssembly/JavaScript parser decrypts and extracts the rows directly inside your browser's memory sandbox. No PDF file or plaintext financial data ever leaves your computer or passes through an intermediary server.
What is "Anchor Ledger Math" and why does it matter?
Spreadsheets and simple apps derive your balance by continuously adding credits and debits ($\sum \Delta$). If one SMS charge or bank fee is omitted, every downstream calculation becomes inaccurate forever. In INR Finance Compass, verified bank statement closing balances act as immutable anchors. Any drift between consecutive anchors is mathematically isolated to that specific monthly interval, so your historical and future records remain flawless.
Can I run this without paying for a server?
Yes! You can run the entire frontend locally on your laptop using `npm run dev` and connect it to a free-tier Supabase PostgreSQL project. Alternatively, you can self-host Supabase via Docker on a home server, Raspberry Pi, or private VPS.
How does the early-access waitlist work?
When you submit your email, we store your address via our private Resend email provider solely to notify you when self-hosting docker configurations, release builds, and new sovereign wealth guides drop. We will never sell your address, send promotional marketing for third-party loans, or spam you.
Ready to take sovereign control of your balance sheet?
Join the waitlist to receive release alerts, Docker Compose deployment templates, and editorial Indian finance guides.
Zero tracking. No marketing calls. Unsubscribe at any time.