Your bank, read in for you.
Upload a statement from any bank and every transaction is read in, de-duplicated and sorted. Automatic bank sync through India's Account Aggregator network is coming soon.
- Statement import: PDF, Excel, CSV
- Bank, cash, UPI and cards
Everything finds its place.
Transactions are sorted automatically using your rules, your past choices and well-known merchants.
- Automatic categorisation
- Create your own rules
Every rupee, accounted for.
Income, expenses, investments and loans in one place — with duplicates caught and every bill matched to its payment.
- Bills read and matched
- Books checked against the bank
Monthly overview This year ▾
Records that work harder.
An income-tax computation, ITR-ready schedules and audit-friendly records — downloaded in one filing pack.
- Income-tax computation
- Capital gains & schedules
Tax reports
Investments, ready for the ITR.
Shares, bonds, mutual funds and FDs with every purchase, bonus, split and sale — sales lot by lot, the unlisted shares table and Schedule AL filled in.
- Sales lot by lot
- Unlisted shares & Schedule AL
Income tax, without the maths.
Your transactions are mapped to the right heads — both regimes compared, capital gains worked out, the right ITR form named.
- Old vs new regime
- ITR-ready summary
Income tax summary
From sign-up to filing pack in four steps
No spreadsheets, no typing every transaction.
- 1
Sign up & verify
Create your account, set up your authenticator app and confirm your PAN — about two minutes.
- 2
Add accounts & statements
Add your bank and cash accounts, then upload a statement (PDF, Excel or CSV) from your bank.
- 3
Review what's sorted
Transactions arrive sorted into categories; you only fix the few the app isn't sure of.
- 4
Track it & file
Follow your money on the dashboard every month; at tax time, download the filing pack.
All your money, and your income tax
Every feature below is in the app today, unless it says otherwise.
Your money
- My Accounts — Bank & CashBank, cash, UPI, card and loan accounts in one list, each checked with your bank (account number and IFSC).
- TransactionsAuto-sync coming soonImport bank and card statements, add cash spends by hand, and sync banks automatically.
- Income & expense categoriesSorted by your rules, your past choices and well-known shops — you can change any of them.
- Cash-flow analyticsWhere money came from and where it went, month by month, with your savings worked out.
- ReconciliationYour books checked line by line against the bank statement, with mismatches listed.
Planning
- BudgetsA budget per category for the financial year, and how much of it is left.
- Bills & subscriptionsRent, EMIs, SIPs and subscriptions tracked, with what is due next.
- Savings goalsSave towards a holiday, a home or an emergency fund and watch the progress.
- InvestmentsShares, bonds, mutual funds and FDs — every purchase, bonus, split, sale and dividend.
Income tax
- ITR preparationIncome head by head, the right form (ITR-1 to ITR-4) named and issues flagged before you file.
- Form 16Enter each employer's Form 16 — gross salary, exemptions and the tax already deducted.
- AIS / Form 26AS comparisonUpload your AIS and see where it differs from your books, so you can fix it first.
- Deductions & regime comparison80C, 80D and more within their limits; the old and new regimes side by side.
- Filing pack downloadPDFs, Excel and a draft ITR JSON in one download, for the portal or your CA.
Your data stays yours
Built so that only you can see your money — and so you can take it with you or delete it.
Encrypted numbers
Account, Aadhaar, demat and folio numbers are encrypted and shown masked.
Two-step sign-in
Every sign-in needs your password and a code from your authenticator app.
Nothing happens unseen
Every change and export is in your audit log; showing a full number asks for your password.
No bank logins
We never ask for your net-banking password, card PIN or OTP.
Yours to take or delete
Download all your data, or delete your account at once — any time.
Your rights respected
Consent is recorded under India's DPDP Act; your data is never sold or used for ads.
How your bank data gets in
Works with statements from every Indian bank today; automatic sync is on its way.
Available now
- Upload bank and card statements as PDF, Excel or CSV — any bank
- Lines already imported are skipped, so nothing is counted twice
- Your account is checked with your bank (account number, IFSC and name)
- The branch is filled in from the IFSC code
Coming soon: automatic sync
- Through India's RBI-regulated Account Aggregator network
- You approve it on a consent screen, and can stop it any time
- Read-only: it can see transactions, never move money
- We never ask for your net-banking password or OTP
What it does — and what it doesn't
So you know exactly what to expect.
It does
- Keeps your accounts, transactions, budgets, bills, goals and investments in one place
- Sorts transactions and checks your books against the bank
- Prepares your income, deductions, both regimes and the right ITR form
- Makes a filing pack (PDFs, Excel, draft ITR JSON) for the portal or your CA
It doesn't
- File or e-verify your return — you do that on incometax.gov.in, or your CA does
- Make an upload-ready ITR JSON yet — it stays a draft until an authorised software ID is set up
- Prepare foreign income or assets, crypto, F&O trading or earlier years' losses — it tells you when these apply
- Give tax, legal or investment advice, or move your money
- Sync banks automatically yet — statements are uploaded for now
Free during early access
Every feature, no card needed. If paid plans come later, they will be announced at least 30 days ahead.
Early access
₹0 / free
- Every feature in the app
- Bank and card statement imports
- Income tax and filing pack
- No card needed
Paid plans
To be announced
- Announced at least 30 days before they start
- Nothing charged unless you choose a plan
- Cancel any time
- Early users hear first
| Compare plans | Early access (now) | Paid plans (later) |
|---|---|---|
| Price | Free | To be announced |
| Bank & cash accounts, statement import | ✓ | ✓ |
| Auto-sorting, reconciliation, cash-flow | ✓ | ✓ |
| Budgets, bills & subscriptions, goals | ✓ | ✓ |
| Investments for the ITR | ✓ | ✓ |
| Income tax, Form 16, AIS check, filing pack | ✓ | ✓ |
| Automatic bank sync | When it launches | When it launches |
| Card needed to start | No | Only if you choose a paid plan |
| Support | Email and phone | Email and phone |
Questions people ask
Is Lingsaa Money free?
Yes. During early access every feature is free and no card is needed. If paid plans come later, they will be announced well in advance, and nothing will be charged unless you choose a plan yourself.
How do my bank transactions get into the app?
Download your bank or card statement (PDF, Excel or CSV) from your bank and upload it. The app reads every line, skips the ones already imported and sorts them into categories. Automatic bank sync through India's Account Aggregator network is being set up and will come later.
Do you ask for my net-banking password?
Never. Lingsaa Money never asks for, sees or stores your net-banking or card login. It only reads the statements you upload.
Does the app file my income tax return?
No. It prepares your income, deductions, both tax regimes, the right ITR form and a filing pack. You (or your CA) file and e-verify on incometax.gov.in.
Which ITR forms does it prepare?
ITR-1, ITR-2, ITR-3 and ITR-4 for individuals resident in India. It tells you when your situation needs something it doesn't prepare, such as foreign income, crypto or F&O trading.
Can I enter my Form 16 and check my AIS / 26AS?
Yes. Enter each employer's Form 16, and upload your AIS to compare it with what is in the app — differences are listed so you can fix them before filing.
Is my data safe?
Account, Aadhaar and similar numbers are encrypted and shown masked. Sign-in uses an authenticator app as a second step, every change is recorded in an audit log, and your data is never sold or used for advertising.
Can I delete my account and data?
Yes, any time: My account → Your data → Delete my account removes everything at once. You can download a full copy first. If you can't sign in, email us from your registered address and we will do it for you.
Do I need a CA to use it?
No — it is made for individuals. But the figures are not professional advice, so for anything complicated it is wise to have a CA look over the filing pack.
Stuck? A person will help.
Read the Help centre, or reach us directly — we reply within one working day.
- support@lingsaa.com
- +91 98765 43210
- Monday to Friday, 10 am – 6 pm IST (except public holidays)
- No. 12, Sample Street, T. Nagar, Chennai – 600017, Tamil Nadu, India
What once took days now takes minutes.
Upload your statements, confirm the few things the app isn't sure of, and you're done. Reading, sorting, matching and preparing your return are done for you.
Your money,
organized and tax-ready.
Bring in your bank and card statements — sorting, reports and your income-tax records follow by themselves. Free during early access.