Tell Otto what you spent
Say "chai ₹40, lunch ₹250 at Empire, auto ₹80" and Otto creates the transactions, picks the categories, and logs it all for you.
Alpha ReleaseTalk to your books.
They talk back.
Tell Otto "chai ₹40, lunch ₹250 at Empire, auto ₹80" and it's logged. Ask "how much on food this month?" and Otto answers. Your books, in plain language — no spreadsheets, no setup.
Start for free
Free plan · No card needed · Sign in
- No bank login needed
- Web app — live now
- Android in closed testing
- 150+currencies, with daily exchange rates
- 60+categories, picked for you
- 0bank logins asked for. Ever.
- 10×the daily AI limit on Pro Max
Live demo
See it work
Type what you spent. Otto sorts it. Then just ask.
You see it
Food & DrinkChai₹40
Food & DrinkEmpire₹250
TransportAuto₹80
how much on food this month?
₹4,120 on food this month — mostly weekday lunches.
This month
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Outlai - Stop guessing where your ₹ goes
AI expense tracker — just type it, we log it
How it works
Three steps. That's it.
From expense to insight in seconds.
- 1
Type your expense
"Chai ₹40, lunch ₹250 at Empire, auto ₹80"
- 2
Otto categorizes it
Food, Transport, Shopping — sorted automatically with 60+ categories.
- 3
See your breakdown
Charts, trends, and smart recommendations — know exactly where every rupee went.
Features
Everything you need to manage money
Simple tools powered by smart technology.
Ask it anything back
“How much on food this month?” — Otto answers in plain language and draws the chart inline. It knows your budgets, so it can tell you what's left, not just what's gone.
Or just say it out loud
Talk instead of typing. Speak the expense and Otto transcribes, categorises, and files it — quicker than opening a spreadsheet.
Warned before you overspend
Alerts at 80% and 100% of a budget, bills due in two days, subscriptions about to auto-renew, and a weekly summary. Told in advance, not after the damage.
Budgets that hold you to it
Set a monthly limit overall or per category. Every insight then shows spent-against-budget, and going over is flagged, not buried.
Rent and subscriptions on autopilot
Recurring payments are recognised and logged for you each cycle. The predictable half of your spending stops needing your attention.
Insights with context
Charts and category breakdowns, each with how it compares to last month, plus AI recommendations on what to actually change.
Bring a statement, or leave with your data
Import from a CSV, Excel file, or a PDF bank statement — AI reads it and matches the transactions. Export the lot whenever you like.
Also: 150+ currencies (USD, EUR, GBP, INR, JPY and more) with daily exchange rates, sub-categories, tags, and multiple accounts.
Why bother tracking?
Because small leaks sink big ships. Most people don't overspend on big things — they leak money on small ones.
The problem isn't earning more — it's seeing where it goes. Outlai makes that effortless.
Talk to your books — freeSecurity
We never touch your bank
The safest way to handle your banking credentials is to never ask for them.
No credentials, ever
We don't ask for your net-banking login, and there's no bank connection to authorise. Nothing to phish, nothing to leak.
No read access to your accounts
Outlai can't see your balance, your history, or anything you didn't hand it. You bring a statement or type it in — that's the whole input.
Uploads: exactly what we keep
A bank statement is read once to pull out the transactions, then the file is deleted. A scanned receipt is never stored at all. An image you attach in a chat is kept, so the conversation still makes sense later — and you can delete it whenever you like.
Deleting is free and immediate
Request full deletion through a public form — no support ticket, no waiting on us. Bulk export to CSV, Excel or JSON is free on every plan.
Read the privacy policy and terms — both in plain language.
Pricing
Simple, transparent pricing
Start free. Upgrade for higher daily limits and unlimited statement imports.
Prices shown in ₹ INR · Show $ USD
Free
₹0/moFree plan, no card needed- Log expenses in plain language
- Daily AI — smart add, receipt scan & chat
- 60+ categories, budgets & insights
- 150+ currencies supported
Everything you need to talk to your books, with a daily AI allowance.Start freePro
₹199/moor ₹1,999/yr — 2 months free- AI import from bank & card statements (PDF)
- Spending recommendations & auto-categorization
- Unlimited AI statement imports
- 5× the daily AI limit
- Everything in Free
For daily trackers who want AI doing the heavy lifting.Get ProPro Max
₹499/moor ₹4,999/yr — 2 months free- Everything in Pro
- 10× the daily AI limit
- Highest limits for power users & heavy importers
- Priority support
Maximum AI headroom for the most active users.Get Pro Max
FAQ
Straight answers
What people ask before signing up.
Do you need my bank login?
No. There is no bank connection to authorise and we never ask for net-banking credentials. You either type expenses in or upload a statement yourself.
What happens to the files I upload?
It depends on the file, so here it is precisely. A bank statement is read once to extract the transactions, then the file is deleted — the transactions stay in your account, the document doesn't. A receipt you scan is never stored: it goes to the AI, the transaction comes back, the image is discarded. An image you attach in a chat is stored, because the conversation would make no sense without it — you can delete those individually, or delete the whole thread.
My bank statement is password-protected. Will it work?
Yes. Enter the password when you upload and we'll open it — most Indian banks lock statements by default, usually with your PAN or date of birth. The password is used once to read the file and never stored, and the file itself is deleted after the transactions are extracted.
Which files can I import?
CSV, Excel, and PDF bank statements — including password-protected ones. AI reads the statement and matches transactions to categories, even messy formats that don't sit in neat columns. On iPhone and iPad, import is free. On the web and Android, your first import is free and Pro lifts the cap.
Is it actually free?
Yes. Logging, categories, budgets, insights, data export and the AI features are all free, with a daily limit on how much AI you can use. Paid tiers raise that limit and lift the cap on statement imports. No card needed to start.
Can I get my data out?
Yes — export to CSV, Excel or JSON from settings, free on every plan. Your transactions are never held hostage; if you stop paying, your data stays in your account and you keep using the free tier.
How do I delete everything?
Fill in the account deletion form. It's public, it doesn't need a support ticket, and it removes your account and its data.
Is there a mobile app?
The web app works on a phone browser today, and the native Android app is in closed testing — a limited tester group ahead of the public Play Store release. Leave your email if you want in, or to be told when it opens up. iOS is further out.
It's alpha — how much should I trust it?
Treat it as early software: it's live and in daily use, but expect rough edges. You're not locked in — export your data or delete your account whenever you want.
Need help?
We're here for questions, feedback, and support.