Money, made calm.
Ask before you spend.
Know how your month will end.
Spot scams in seconds.
Your bank alerts log themselves, or just tell Oru what you spent. Then ask before you buy, see how your month will end, and check any suspicious message. In English, Hinglish or हिन्दी.
- Free during early access
- No bank login
- Statements not stored
- Delete everything any time
- Private by design →
OruSample chatHi! Thinking of buying something? Ask me first.
Can I buy a ₹6,000 jacket?
₹16,100 is left after bills. ₹1,240 a day still keeps you on track.
Can I buy a ₹6,000 jacket? Yes, comfortably. ₹16,100 is left after bills. ₹1,240 a day still keeps you on track. Will I be okay this month? On track. About +₹8,000 at your usual pace. “Your KYC is suspended. Update at bit.ly/kyc-updt” Likely a scam. Don't click the link or reply. Your bank never asks for KYC by SMS link.
Four questions Oru answers, any day.
Answers worked out from your own entries. The replies below are examples with made-up numbers.
Can I afford it?
Can I buy a ₹12,000 phone this month?
Yes, but a goal slipsYes, but your bike goal slips 3 weeks.
See all features →How will this month end?
Will I be okay this month?
About +₹8,000About +₹8,000 at your usual pace.
How it works →What if…?
What if I stop ordering food?
₹37,000 a yearAbout ₹3,100 a month, ₹37,000 a year. Your bike goal comes 4 months sooner.
Savings goals →Where is money slipping?
Where is my money slipping?
2 possible leaksNetflix went up ₹150 a month. Food delivery is ₹2,100 above your usual.
Monthly money review →Logging is the easy part: type “chai 20”, send a voice note or a bill photo, or let bank SMS and emails log themselves.
Start in one message.
No form and no bank credentials. Your first message is the whole setup.
- Log a spend by text, voice or photo
“auto 80, chai 20, medicines 340” is a complete entry. So is a voice note on the walk home, or a photo of the bill still in your hand.
- Bank SMS
Your phone forwards your bank's payment messages, or the Oru Android app checks them on the phone, and each one is logged as it arrives. OTPs are never logged. Set it up →
- Bank alerts log themselves
Forward your bank's payment alerts once, and every UPI, card and salary alert becomes an entry, with the shop or sender filled in.
- Bank statement PDFs
Send your bank statement PDF and see the whole month in a minute. The PDF is never stored.
- UPI notifications on Android
Picked up on the handset. Arrives with the Android app.
- Account Aggregator
Straight from the bank, over India's own rails. Planned.
Forward a suspicious message. Know in seconds if it's a scam.
Scammers in India pose as banks, couriers, the police and even employers. Forward the SMS, link, chat or call screenshot to Oru and get a clear answer in seconds, in words your parents will follow too.
- KYC update links
- “Digital arrest” calls
- Fake refunds and UPI collect requests
- Electricity disconnection SMS
- Courier and customs fees
- Work-from-home task jobs
Scam checks are free on every plan, including the cheapest.
Already lost money? Call 1930, India's cyber-crime helpline, or report at cybercrime.gov.in straight away, and tell your bank.
“Dear customer, your KYC is suspended. Update within 24 hours: bit.ly/kyc-updt”
Don't open it, don't share an OTP. If you already did, call the number printed on your card now.
The AI doesn't get your name or numbers.
Before anything reaches the AI, your personal details are taken out.
Personal details taken out first
Your name, phone numbers, email addresses, and Aadhaar, PAN, card and account numbers are removed before the AI reads your messages, bank emails or statements.
Never sold, never for ads
Your data is never sold or used for advertising, and it's never used to train AI.
It can't touch your money
Oru never asks for an OTP, PIN or password, and it can't move money.
Stored in India, deleted on request
Your data is stored in Mumbai. Say “delete my data” in the chat, or tap Delete my data in the dashboard, and your account is erased.
Oru is not a bank and does not provide investment advice. It never moves money on your behalf.
Every number is worked out, never guessed by AI. Totals, forecasts and limits are calculated exactly, every time.
Photos are sent as they are, and details you type about yourself, like an address, aren't removed. Which services process your data, and where, is on the Security page. Details in our privacy policy
Free to start. Plus from about ₹2 a day.
Oru Free covers everyday tracking and scam checks, for good. Plus removes the limits. Nothing is charged during early access.
Founding members
Join now, lock ₹49 a month for life.
Everyone who joins during early access keeps Plus at ₹49 a month or ₹499 a year, for life, when billing starts.
Free during early access. No card is taken, so nothing can be charged unless you choose a plan later.
Oru Free
Everything you need to decide day to day
No card needed. Plus free for 7 days, then Free stays
- Unlimited logging: typing, voice notes and photos
- Bank emails and bank SMS logged by themselves
- Fixed bills, budgets, goals and reminders
- Scam checks, always
- “Can I afford it?”, the month-end forecast and what if
- Plans, limits and a salary-day plan
- 30 money questions a month
- Your last 3 months of history
Oru Plus
No limits, full history
Try it free for 7 days, no cardAbout ₹58 a month, about ₹2 a day. Save 26%.
- Everything in Free
- Unlimited money questions
- Your full history, every month
- Unlimited statement PDF imports
- Edit entries, bills, budgets and goals on the dashboard
- Goals with “done by” dates
- A money-leak report on the 1st of every month
- Your money health trend, month by month
- What your limits helped you keep
Oru Family
For up to 4 people
About ₹108 a month for the whole family. Save 27%.
- Everything in Plus, for each person
- Shared goals
- You're told when a parent checks a message that looks like a scam
- Set it up for your parents in minutes
Common questions.
Anything else? Use the contact form, or send /feedback in the chat.
Is this financial advice?
No. It's a guide from your own entries. Oru never tells you what to invest in, and never moves money.
Is my data safe?
It's encrypted in transit and at rest, and it's never sold. Saying “delete my data” in the chat, or tapping Delete my data in the dashboard, erases your account. Oru only sees what you log and the bank alerts you choose to forward.
Does it touch my money?
No. Reading and organising is the whole job. No transfers, and it will never ask for an OTP, PIN or password.
How much does Oru cost?
Oru Free is ₹0 forever, with unlimited logging and scam checks. Plus is ₹699 a year or ₹79 a month. Nothing is charged during early access, and if you join now you keep Plus at ₹49 a month or ₹499 a year, for life.
Which banks work?
Anything that emails you after a payment, which covers nearly every Indian bank and card. A bill photo or a plain text message works too.
Where can I use Oru?
On Telegram and the web today, with nothing to install. The Android app is in early access, and WhatsApp and iPhone come next.
What if it logs something wrong?
Say “that was transport, not food”. Corrected instantly, and remembered for next time.
Does it understand Hinglish?
Yes. Type the way you type to friends and the replies come back the same.
Ask your first money question today.
Start on the web or in Telegram. Ask if you can afford something, or log the first thing you spent today. It takes about as long as sending a text.
Free while we are in early access. No card and no bank login.
On WhatsApp instead? Leave your email and I will tell you the day it lands.
One email when WhatsApp is ready. Nothing else, ever.