Klera: AI Money Manager

Money, made clear.

A private money manager for India. Every rupee stays on your own iPhone, encrypted, with no sign-up and no bank login. The intelligence runs on the device too: ask about your spending and the answer is worked out on your phone, not on a server.

Private by default. Never lost.

ASK KLERA — YOUR MONEY, ANSWERED
• "How much did I spend on food last month?" Plain-language questions, straight answers
• Worked out entirely on your iPhone. No LLM, no upload, no account
• Finds subscriptions quietly renewing, and charges that look unlike you
• Tells you what's safe to spend for the rest of the month

INTELLIGENCE THAT LEARNS YOU
• Categories suggested as you type — correct one once and it remembers
• One shop, many spellings (SWIGGY*ORDER, UPI/SWIGGY/...) folded into a single merchant
• "For you" insights surface what actually changed this month

YOUR LEDGER SURVIVES YOUR PHONE
• Encrypted backup to your own Google Drive — automatic, daily or weekly
• Locked with a passphrase only you know — Google can't read it, nor can we
• New iPhone? Install Klera, connect Drive, type your passphrase — it's all back
• Rather not use the cloud? Keep the same encrypted file yourself

TRACK EVERY RUPEE
• Add an expense in seconds — amount first, category auto-suggested
• Type it in Hinglish ("500 petrol"), or just say it out loud
• Cash, bank, UPI wallets and cards in one ledger, with transfers between them
• Rent, EMIs, SIPs and bills post themselves on their due date

UDHAAR — WHO OWES WHAT
• A clean lend/borrow khata per person, with part-payments and full history
• Settle in one tap over UPI
• Polite reminders — you decide when
• Share a per-person statement PDF with a running balance

BUDGETS THAT MAKE SENSE
Set one monthly total, then split it across four buckets — Needs, Wants, Investments and Learning. Start from a ready-made style (Balanced, Saver, Investor, Student), adjust the amounts, and get alerted before you overspend. Savings goals too.

LOANS, INVESTMENTS, NET WORTH
• Loan manager with a full amortisation schedule and rate changes
• Loan Tenure Planner — short vs long tenure, and the gap invested
• SIP, EMI, compound-interest and goal calculators
• Investments and insurance policies, with true XIRR returns
• Net worth — assets minus what you owe, in one number

SEE IT, TAKE IT WITH YOU
• Category trends, savings rate, cash vs digital
• Import bank statements from PDF, Excel or CSV, with duplicate detection
• Export to CSV or PDF — by date, account, category or financial year

WHY KLERA
No sign-up. No bank login. No account linking.

Every feature works offline. Your iPhone is the source of truth. The network is used only for what you'd expect: Drive backup and live prices (each optional), an update check, and ads — never your transactions.

Encrypted and locked. AES-256, with the key in your device's secure hardware. Lock Klera with Face ID, Touch ID or your passcode.

Ads pay for it, so your data doesn't. No ad network ever receives your transactions, balances or contacts. We never sell your data. Prefer it quiet? Klera Ad-free is ₹30/month or ₹300/year.

Built for India. ₹ lakh/crore formatting, UPI-first flows, Indian statement formats. Also USD, EUR, GBP and AED. In English, Hindi, Telugu, Urdu, Spanish and French.



PERMISSIONS
• Face ID / Touch ID / passcode — to lock the app. We never see your biometrics.
• Contacts (optional) — read-only, only while you type a name into a new udhaar entry, to suggest a match. Never bulk-imported, never uploaded; a contact is saved only when you pick a suggestion. Klera never reads your call history.
• Microphone & speech recognition (optional) — voice entry. Audio is never stored.
• Camera & photos (optional) — to attach a receipt image.
• Notifications (optional) — bill and budget reminders you choose.

Privacy Policy: https://kleraapp.com/privacy
Export or delete everything, any time — Settings → Export my data.

Questions? support@kleraapp.com