Four bank apps, three credit cards, a demat account, two insurers and a home loan — and no single place that shows the whole picture. Ekatra is that place. Upload a bank statement and AI extracts your accounts, transactions and holdings; add cards, investments, insurance and loans in minutes.
Google sign-in · No bank credentials asked · Your data, exportable & deletable
Not just investments. Not just one bank. Ekatra tracks every category your financial life spans — and each one comes alive the moment you add your own data.
Net worth, cashflow, spends by category and upcoming bills — across every account, on web and mobile.
Upload a PDF, CSV or Excel statement. An LLM extracts accounts, transactions and holdings — raw files are never stored.
Search, recategorize, add cash spends. Your edits survive statement re-uploads — corrections are never clobbered.
Mutual funds, stocks, NPS, FDs and gold in one portfolio — invested vs. current, returns and allocation.
EMIs, SIPs and subscriptions found automatically in your statements, with next-due projections. Add manual rules, mute false positives.
Category limits that carry over what's left. Planned items are auto-built from your EMIs, SIPs and bills.
Groups, equal / exact / weighted splits, settle-up recording and greedy debt simplification — Splitwise, inside your finance app.
Home, car, personal — outstanding, EMI vs. actual payment, rate and payoff progress in one view.
Term, health, motor — cover, premium and renewal dates, with reminders before a policy lapses.
Emergency fund, a trip, a phone — set a target and an ETA, and Ekatra tells you the ₹/month it actually takes.
A ranked queue of what matters now: card dues, budget overruns, spend spikes, low cash runway, goal slippage, portfolio concentration — and wins.
Chat grounded in your full snapshot — accounts, loans, goals, holdings, recurring dues, six months of history. Pause it with one switch.
Every credit and debit card with its limit, due amount and due date — rendered the way a card should look, not as a table row.
No forms marathon. No bank credentials. You see a working dashboard before you've added a single number.
One tap. Confirm your name, optionally add a phone. No passwords to invent, no OTP roulette.
You start with realistic sample data behind a banner — so you can explore every screen before committing anything.
Upload a statement PDF CSV XLSX or add cards, holdings, policies and loans manually. Each section switches from sample to real the moment your data lands — in any order.
Forty-five seconds of cashflow, one wallet. Salaries, coins and goals grow your net worth — late fees and impulse buys shrink it. Sound familiar?
Ekatra isn't a responsive afterthought — the desktop and mobile experiences are each designed for their form factor, from the same data.
A full command center: dashboard variants, deep transaction search, portfolio tables, budget planning side by side.
Bottom-tab navigation, thumb-first screens, the same insights and chat — built separately, not squeezed down.
The mobile surface ships as a native Android app via Capacitor, so Ekatra lives on your home screen.
Today, you bring the data — statements and quick manual entry. Next, Ekatra fetches it for you.
LLM-parsed bank statements; full manual CRUD for transactions, cards, investments, insurance, loans, goals, budget, split and recurring.
The “For you” engine, snapshot-grounded AI chat, and recurring-charge detection with next-due projections.
Automatic pulls of balances, transactions, holdings, insurance and loans via the AA framework. Manual entry stays as the fallback.
Auto-refreshed MF NAVs (AMFI) and stock prices, so your portfolio never goes stale between edits.
Rewards, lounge access and offers per card — and a suggestion for the best card to swipe per spend category.
Invites, so group members see the group and add their own expenses — not just names you track.
80C headroom and regime comparison; spend history from UPI apps; scanned-statement OCR; bill-due reminders that reach you outside the app.
Uploaded files are parsed in-flight and discarded — raw statement bytes are never persisted. Only the extracted rows live in your account.
Ekatra never asks for netbanking passwords or OTPs. You sign in with Google; your bank logins stay with your bank.
One tap exports every record you own as JSON — accounts, transactions, holdings, budgets, splits, all of it.
Deleting your account erases every row in every collection. And if you'd rather the AI never read your data — pause it with one switch.
Ekatra (एकत्र) — Sanskrit for “together, in one place.” That's the whole idea.