Money, made clear.

Klera is a free personal finance app for Android that tracks expenses, income, budgets, savings goals, investments, loans and udhaar (personal IOUs) — offline, on your phone. There is no sign-up and no Klera account: your ledger lives on your device in an AES-256 encrypted database, with an optional encrypted backup into your own Google Drive. An iPhone version is in the works.

Yes — and it runs entirely on your phone. Ask Klera answers questions about your own money in plain English or Hinglish: what you can afford, where the money went, who owes you, what is due, what your worst money habit is. It is not a cloud chatbot: Klera calls no AI provider, bundles no language model, and makes no network request to answer you, so it works in airplane mode. You can also log expenses by typing them — "200 chai, 300 fuel" logs both, categorised.

Never. The AI is a deterministic engine on your device: it matches your question against a catalogue of question shapes and computes the answer from your local ledger with ordinary arithmetic. Nothing is uploaded, nothing is stored — the conversation lives in memory while the screen is open and is gone when you leave it. Because there is no model generating figures, it also cannot invent a number about your money: every amount it shows is calculated by the same code that draws your charts.

Most money manager apps want your SMS inbox, your bank login, or at least an account. Klera asks for none of these — it works 100% offline, encrypts everything on your device, and never sells your data. It also tracks udhaar (money lent to friends and family) with UPI settle links, which most finance apps ignore. See our honest comparison of expense tracker apps for where the alternatives win.

Yes. Alongside expense tracking, Klera includes bucket budgets — one monthly total split across Needs, Wants, Investments and Learning, with overspend alerts — plus monthly spend goals, savings goals, scheduled bills and EMIs, spending insights, investment and net-worth tracking, a loan manager, and SIP/EMI/loan calculators. The full toolkit for managing personal finances in one private app.

Yes. Log stocks, gold, fixed deposits, SIPs and insurance policies, and Klera values them live to show your allocation and true XIRR returns. Fetching those prices is the one part that needs a connection — it is a Settings toggle you can switch off, in which case holdings show the values you entered. Everything else, including the single net-worth figure that combines your accounts, investments, loans and card dues, is calculated on your device.

Yes. The loan manager tracks each loan with its full amortisation schedule, EMIs, interest paid and left, payoff progress and rate changes — and can auto-record the monthly EMI for you. There are also SIP, EMI and loan-vs-SIP calculators for planning ahead.

Yes, the whole app is free — every feature, no paywall. It is funded by ads: a small number of quiet, clearly labelled banners on screens like Home and Insights, never on the add-expense keypad and never on the backup, export or delete screens. No ad network is ever given your transactions, balances or contacts, and we never sell your data. That is the trade: ads pay for the app so your ledger does not have to. Optional paid extras (like ad removal and encrypted multi-device sync) may come later, clearly labelled.

Yes — that is how a free app with no subscription pays for itself. They are native banners styled to match the app, capped to a handful of screens, and kept away from the capture flow and every privacy screen. What matters is what they do not get: the Google ad network receives no transaction, balance, category, account or contact data from Klera — none of your ledger is ever handed to it. Like any ad-supported app, the ad SDK does receive your device’s advertising ID and standard device information. On first run you choose your ad-personalisation preference through Google’s standard consent prompt, and you can change it later in Settings.

Only on your phone, in an AES-256 encrypted database. The encryption key lives in your device’s secure hardware. Klera runs no server that holds your ledger — the only copy that ever leaves the device is the backup you choose to put in your own Google Drive, and that is encrypted with a passphrase we never see.

No. Klera never asks for your bank credentials, and SMS capture is optional and off by default. If you turn it on, only messages from a fixed allowlist of bank senders are read, and they’re parsed entirely on your device.

Yes. Import statements as PDF, Excel or CSV, or bring in exports from other money apps. Klera parses the file entirely on your phone — nothing is uploaded — then auto-categorises each transaction and flags duplicates before you confirm the import.

You get your ledger back. Turn on Google Drive backup (Settings → Backup) and Klera keeps an encrypted copy in a private app folder in your own Drive, refreshed automatically every day or every week. On a new phone: install Klera, sign in to the same Google account, type your backup passphrase, and everything is restored — accounts, transactions, budgets, goals, loans and udhaar. The backup is encrypted with a passphrase only you know, so nobody else can read it, including us and including Google. There is also an encrypted local backup file and a one-tap data export if you would rather move it yourself.

Two ways, both encrypted, both under your control. Google Drive backup signs in to your own Google account and writes an encrypted file into a hidden app-private folder — Klera asks only for the drive.appdata scope, so it cannot see, list or read any other file in your Drive. You set a backup passphrase once; it encrypts the file, and it is the only thing that can open it, so keep it somewhere safe because it cannot be recovered. Auto-backup then refreshes it daily or weekly when you open the app. Alternatively, export an encrypted backup file and store it wherever you like.

Optionally, yes. Klera can read the transaction notifications your bank and UPI apps already post to your phone and turn them into draft entries for you to confirm — matched against a fixed list of known bank and UPI senders, parsed on the device, never uploaded. It is off until you turn it on, and it can be revoked at any time. You can also share a payment receipt or confirmation message straight into Klera from WhatsApp or your UPI app and it will read the amount, date and payee out of it.

Yes. Set up a scheduled transaction once — daily, weekly, monthly or yearly — and Klera posts it to your ledger on time and reminds you, so rent, bills, EMIs and SIPs stop being things you have to remember. Each one can be paused and resumed, and the loan manager can auto-record a loan’s monthly EMI for you.

Always, in one tap and without asking us. Export transactions as CSV or PDF with filters by date, account, category and type — including ready-made financial-year (April–March) presets and a category-wise income-and-expense summary that works as a simple P&L. There is also a complete JSON export of everything you own, an encrypted backup file, and a per-person udhaar statement PDF you can send to whoever owes you.

Only if you ask it to, and only in one place. When you are adding an udhaar entry and typing a person’s name, you can tap “suggest from phone contacts” — Klera then reads your address book live, in that moment, to offer matching names and numbers. It is never bulk-imported, never synced, never uploaded, and a contact is only saved into Klera when you tap Save on that entry. Klera never requests call-log access.

Not yet. Klera is live on Android via the Google Play Store, and the iPhone version is in development — the App Store listing will go up as soon as it ships.

English, Hindi, Spanish, French, Telugu and Urdu — and the quick-add understands Hinglish naturally.

One tap: Settings → Privacy → Delete All My Data. Since nothing is stored on any server, deleting locally deletes everything. Details on the data deletion page.