Money guides
67 guides on the questions people actually ask about their own money — where the salary went, whether the loan is overpriced, why the card bill is that size, and what a bank owes you when it gets something wrong. Every figure is shown as arithmetic you can check against your own numbers, and where another app is the better answer, we say so.
Where your money actually goes
Start here. What you are losing without overspending on anything.
- How to save money without cutting expenses: six leaks
- Where does my salary go? Follow the waterfall by date
- How to track my money: record automatically, review monthly
- Fixed expenses: the costs your monthly list leaves out
- Why do I overspend? Four patterns, priced in rupees
- Trip expense tracker: what your last trip really cost
- Income tracker: what you earn, once refunds are out
- Refund not received: trace it, claim it, escalate it
- Why some months cost more: the calendar behind bad luck
- Predict monthly expenses: most of next month is already decided
- Subscription tracker in India: four places charges hide
- Cancel UPI AutoPay, NACH and card auto-debits in the right place
- How to track UPI spending across GPay, PhonePe and Paytm
- Automatic expense tracker in India: a question of coverage
- SMS expense tracker: how reading your bank's alerts works
- Expense tracker without bank login: what each route hands over
- Personal finance app in India: judge it on five jobs
- Monthly budget planner: start from what is spoken for
Saving more without earning more
Changing the price of what you already buy, rather than buying less.
- How to save more money in India without earning more
- How to save money on a low salary in India
- How much to save every month, and where to put it
- Emergency fund: size it on what cannot stop, not on what you spend
- Idle money in savings account: the cost you never see
- Discount vouchers India: pay less at the brands you already buy
- Am I financially healthy? Six checks, each with a pass line
- 50 30 20 rule India: where it breaks, and a split that fits
Credit cards
Whether yours fits how you spend, and what the bill is really made of.
- Missed credit card rewards: what one card costs you
- Apply for credit card online: what the issuer checks
- Credit card bill payment: the amount and the day set the cost
- Which credit card should I get? Price it on your own spend
- Why is my credit card bill so high? Read it line by line
- How to track credit card spending across multiple cards
- Credit card statement date vs due date: what each one decides
- Is credit card annual fee worth it? Price it against a free card
- Credit card devaluation 2026: what changed and what to do
- How to choose a credit card in India: the arithmetic behind the offer
- Unknown charge on credit card: decode the name, then decide
- Bill reminder app: why reminders fix the smallest cause
Credit score and credit reports
What the number means, why it moved, and what you are owed when it is wrong.
Loans, and whether yours is priced fairly
The rate you agreed to once is not the rate you would be offered today.
Investments, bonds and gold
What you hold, what it is worth, and the risks the sellers leave out.
Bank statements and charges
Opening the PDF, reading the codes, and stopping the deductions.
- Bank statement password: the PDF format for each bank
- Axis Bank statement PDF password
- HDFC Bank statement PDF password
- ICICI Bank statement PDF password
- SBI Card statement PDF password
- Kotak Mahindra Bank statement PDF password
- Hidden bank charges: what they cost a year and how to stop them
- Unauthorised transaction on bank account: beat the RBI clock
How Unyfy works, and how we are paid
What the app reads, what it costs, and where the money comes from.