Dhana Track : Personal Finance

Dhana Track is your all-in-one personal finance and wealth operating platform. Take complete control of daily cash flow, multi-asset investments, peer debts, group split bills, bank accounts, and traditional community Chit Funds (Chitti) with total privacy and institutional security.

Whether tracking daily expenses, building wealth via SIPs, managing debts, splitting expenses with friends, or monitoring your true net worth across banks, Dhana Track delivers 14 powerful modules in one unified app.

💡 WHY DHANA TRACK?
✔ 100% Private: No invasive SMS scraping; your financial data belongs strictly to you.
✔ 100% Ad-Free: Zero banner ads, popups, or sponsored distractions.
✔ Built for India: Native support for Indian Chittis, UPI modes, and 50/30/20 budgets.

🌟 14 POWERFUL MODULES & CAPABILITIES:

1. Unified Accounts & Liquidity Hub
• Aggregate Bank Accounts, Cash, Wallets, and Credit Cards in one view.
• Dynamic liquidity tracking: Live balance updates across deposits, withdrawals, and spends.
• Shared Credit Limit Pools: Manage cards sharing a single credit limit effortlessly.

2. Granular Income & Expense Tracking
• Categorize daily spending with custom categories, payment modes (UPI, Cards, Cash), and receipt notes.
• Instant synchronization: Outflows immediately update linked account balances.

3. Built-in Split Bill Engine
• Split group dinners, trips, and shared bills with zero calculation errors.
• Isolates your personal share and automatically logs friends' unpaid portions into Money Lent.

4. Internal Account Fund Transfers
• Transfer funds between accounts (e.g., Salary to Savings) without false expense logs.
• Double-entry accounting ensures your net worth remains accurate.

5. Chittis (Chit Funds & Community Savings)
• Full digital ledger for traditional rotating savings groups (Chits / Chittis).
• Auto dividend deduction: Calculates auction discounts and net payable installments.
• Track auction lifting, prize money credits, and complete payment lifecycles.

6. Peer Debts & Personal Loan Manager
• Two-way tracking: Monitor Money Lent (Receivables) and Money Borrowed (Payables).
• Log partial repayments, track due dates, and mark debts settled automatically.

7. Multi-Asset Investment & Wealth Portfolio
• Track Mutual Funds (SIP & Lumpsum), Stocks, Gold, FDs, and Crypto.
• Live Unrealized P&L, Absolute Returns, and CAGR with visual asset allocation charts.

8. Smart Budgeting & 50/30/20 Guardrails
• Enforce monthly category spending budgets (Needs 50%, Wants 30%, Savings 20%).
• Color-coded alerts: Safe (90%).

9. Interactive Financial Calendar
• Day-by-day calendar timeline showing all incomes, bills, and spending patterns.
• Identify high-expense days and plan upcoming bill payments before cash crunches.

10. Real-Time Net Worth Engine & Analytics
• Instant Net Worth computation: Total Assets minus Debts and Card Outstandings.
• Dynamic visual analytics for savings rate and income-to-expense ratios.

11. Financial Statement Exports
• Generate clean, audit-ready financial statements in PDF, Excel, and CSV formats.
• Ideal for personal accounting, tax filing, family budgeting, and loan documentation.

12. Recurring Subscriptions & Bill Reminders
• Track subscriptions, streaming plans, gym memberships, and utility due dates.
• Never incur late fees or surprise recurring card charges again.

13. Friend Invites & Referral Rewards
• Share your unique referral link with friends, family, and colleagues.
• Track your community network and unlock platform milestones as your network grows.

14. Institutional Privacy & Security
• Passwordless sign-in with instant, verified 6-digit email OTPs.
• Strict IsOwner data isolation with one-click data export and full account deletion anytime.

Take full command of your financial future today with Dhana Track!

🌐 Website: https://dhanatrack.com
📧 Support: support@dhanatrack.com

Recent changes:
What’s new in Dhana Track v1.0.1:
• Calendar pickers & balance edit in Credit Card Master Pool
• Paginated Cash Flow Calendar transactions
• Smooth back navigation across Loan & EMI modals
• Interactive How-to-Use guide & instant Dashboard link
• Auto OTP verification redirect on unverified logins
• UI fixes, DPDP privacy updates & performance optimizations