Hisab - UPI Statement Ledger

Hisab (हिसाब) turns the statements you already download into a clear picture of your money — without your data ever leaving your phone.

Import transaction exports from Google Pay, Paytm, or BHIM, and bank statements from HDFC Bank or IDFC FIRST Bank (PDF, XLSX, XLS, or TXT — password-protected PDFs supported). Hisab parses them deterministically and builds your personal bahi-khata:

• MONTHLY BUCKETS — every statement lights up the months it covers; a yearly statement fills twelve at once. See at a glance which months still await which statement.

• RECONCILIATION — every app payment is matched against your bank statement by UPI reference. Instantly see which payments the bank confirms, which are missing, and what you spent outside the apps.

• NO DOUBLE COUNTING — re-import a statement, import overlapping periods, or the same statement in two formats: transaction identity guarantees zero duplicates. Bank rows matched to app payments count once. Transfers between your own accounts are excluded automatically.

• ANALYTICS — monthly spend, income and net, six-month trend, category breakdown with editable rules, top merchants. Amounts in proper Indian notation (₹1,23,456.78).

• PRIVATE BY ARCHITECTURE — no account, no analytics, no tracking. Your ledger stays in the app's private storage on your device and statements are read on the phone. The two AI features — Find in text and monthly insights — send only the text you ask about, or a month's totals and merchant names, to Hisab's gateway and its model provider, on a free credit balance every install starts with. The entire app is open source (Apache-2.0).

Made for India's statement formats. Missing your bank? The parser framework is open — contribute one on GitHub.