Take Control of Your Money, Budget, Future, and Financial Health
Most people don't know where their money actually goes. CraftMyMoney builds your budget from your real spending patterns, not guesswork, so it's one you can actually stick to.
Free forever. No ads. No data selling. Your finances, your control.
Do you know your FinHealth Score?
A single 0 to 100 score that tells you how healthy your finances really are, not just whether you stayed on budget this month. Answer a few questions and get your estimate in about 3 minutes.
5 pillars of financial well-being, built on evidence-based benchmarks. The score and all 5 pillars are free, forever.
The CRAFT Method
A 4-phase system that transforms how you manage money: from chaotic spending to intentional financial wellness.
Design
Get a personalized budget plan based on your financial personality. Our questionnaire finds the right framework for you.
Allocate
Distribute your income across spending categories using smart suggestions based on your profile and real-world spending data.
Add
Track transactions manually for free, or upload bank statements (HDFC, Kotak, SBI) for automatic AI categorization.
Analyze
Get behavioral insights: unplanned spending alerts, velocity warnings, accuracy scores, and savings opportunities.
Features Built Around You
Features designed for how you actually earn, spend, and save. Every detail built around your real financial life.
Envelope Budgeting
Give every rupee a purpose. Allocate income across categories, track spending in real-time, and carry over unused amounts.
Bank Statement Import
Upload your bank statements (HDFC, Kotak, SBI and more). Transactions are parsed automatically and categorized by AI, only with your consent.
Budget Consolidation
Your budget is built from what you actually spend, not what you think you should. No more budgets that look great on paper but fall apart by week two.
Financial Health Score
A 0-100 holistic score across 5 pillars: Protection, Spending, Savings, Debt, and Planning. Starts as an estimate from your answers, then firms up as the app sees your real data.
Privacy-First
No data selling. No ads. No insurance commissions. Your financial data is never monetized. Period.
Behavioral Insights
Unplanned spending alerts, velocity warnings, accuracy scores, seasonal patterns, and savings opportunities. Your money habits, made visible.
Connect All Your Accounts
Through Account Aggregator (AA) integration, CraftMyMoney will automatically read your bank balances, spending, and investments across all your accounts.
No manual uploads. No screen scraping. Your data pulled securely with your explicit consent. One dashboard for your complete financial picture.
Your Financial Journey
Tell us the basics
Your name, age, city, and monthly income. Takes about a minute, and it is what makes the benchmarks specific to you rather than generic.
Answer the questions
One form covering the 5 pillars of your financial life: protection, spending, savings, debt, and planning. Not sure about an amount? Skip it, the score adjusts.
Get your estimated score
Your FinHealth Score out of 100, free, with every pillar broken down. Spending Discipline stays locked, because we will not guess at how you actually spend.
Build the budget that unlocks it
Matched to your plan identity and built from your real spending, not guesswork. Import your statements, unlock the last pillar, and watch the score move each month.
Your Plan, Your Identity
Budgeting advice fails when it ignores your situation. Your answers match you to one of four plan identities, and each one allocates your money differently.
Anchor
Stability first. Heavy commitments or a thin safety net, so the plan protects the essentials before anything else.
Builder
Foundations are in place. Now the plan pushes hard on savings and building real long-term wealth.
Balancer
Competing priorities pulling at your income. The plan splits deliberately between living well today and saving for later.
Navigator
Variable or irregular income. The plan flexes month to month instead of assuming a fixed salary lands every 30 days.
No identity is better than another, and there is no ladder to climb. As your situation changes, your plan adapts. Your score is the only thing you are trying to move.
Simple, Honest Pricing
No tricks. Your FinHealth Score and all 5 pillars are free, along with unlimited transactions and the full budgeting workflow.
Free
Forever. No catch.
- Your FinHealth Score
- All 5 pillars, fully broken down
- Unlimited manual transactions
- Full CRAFT budgeting workflow
- Monthly budget analytics
- Dark mode
Pro
Everything you need to master your money.
or ₹999/year (save 17%)
- Everything in Free
- Bank statement upload (HDFC, Kotak, SBI)
- AI auto-categorization (with consent)
- Score history and monthly trend
- Action items to improve your score
- All behavioral insights
- Seasonal spending patterns
Why CraftMyMoney?
vs YNAB
5x cheaper at ₹99/month. Built for real-world income patterns, seasonal spending, and how families actually manage money.
vs Mint / Walnut
We never sell your data, show ads, or earn insurance commissions. Your financial data stays yours.
vs 1 Finance
An open scoring model you can understand, not a proprietary black box. Budgeting and health score in one app.
vs Spreadsheets
AI categorization, real-time alerts, behavioral insights. All the analysis, none of the manual work.
Start Your Financial Journey
Download CraftMyMoney and take control of your money in under 10 minutes.
Available on iOS and Android. Free to download. No credit card required.