Every card you hold, reconciled every month
Upload the statement your bank emails you. Outlay opens the password-protected PDF, checks the totals against the bank's own figures, and tracks spending and dues across every card.
Invite only, and only you can see your statements. Ask Ankit for a code.
Dashboard
Cards · 12
Select a card to filter the dashboard to it
Total due
₹1,45,259
=Spends
₹1,53,119
no fees
−Refunds & cashbacks
₹7,860
+Carried over
₹0
Transactions
85
81 spends · 4 credits
Bills
3 due · 5 of 8 settled this cycle
₹87,359 outstanding
3 of 8 bills left · ₹57,900 settled
- Infinia •••• 6401in 16 days₹35,277
- Regalia Gold •••• 8842in 16 days₹21,404
- Cashback •••• 1122in 16 days₹30,679
How the bill built up
running total- Biggest jump
- +₹25,667
- 16 Aug
- Half by
- 24 Aug
- of ₹1,53,119
- Spend dates
- 11
- 29-day cycle
Category split
- Shopping₹43,50128%
- Utilities & Bills₹21,90714%
- Groceries₹17,86512%
- Food & Dining₹15,84210%
- Insurance₹13,6409%
- Travel₹13,4979%
- EMI & Loans₹11,1507%
- Other₹15,71710%
What changed
- Shopping₹43,50128%▲ ₹12,491+40%
- Utilities & Bills₹21,90714%▲ ₹2,699+14%
- Groceries₹17,86512%▲ ₹2,055+13%
- Food & Dining₹15,84210%▲ ₹1,409+10%
- Insurance₹13,6409%▲ ₹13,640new
- Travel₹13,4979%▼ ₹12,493−48%
- EMI & Loans₹11,1507%▲ ₹5,210+88%
- Health₹5,4924%▼ ₹5,248−49%
- Entertainment₹3,5192%▼ ₹4,584−57%
- Fuel₹2,4782%▼ ₹2,662−52%
- Taxes₹0▼ ₹38,390−100%
- Education₹0▼ ₹16,680−100%
- Fees & Charges₹0no change
- Other₹4,2273%▼ ₹557−12%
Largest charges
All transactionsAll statements- 1STAR HEALTH PREMIUM₹13,6409%
- 2APPLE INDIA ONLINE₹8,6206%
- 3HDB FINANCIAL SERVICES₹6,0804%
- 4CROMA RETAIL₹5,8804%
- 5TATA CAPITAL INSTALMENT₹5,0703%
- 6INDIGO AIRLINES₹4,4603%
- 7ADOBE CREATIVE CLOUD₹4,2303%
- 8BESCOM ELECTRICITY₹4,0703%
- 9CHENNAI SILKS₹3,8503%
- 10APPLE INDIA ONLINE₹3,7302%
These 10 charges come to ₹59,630, which is 39% of this cycle's ₹1,53,119 spends.
Calendar
Calendar month · September 2026 statements
- Spent
- ₹91,360
- 39 transactions
- Bills
- No bills
- Earlier months: all settled
Highest spend date
16 Aug · ₹25,667
Dates with spend
6
Average per spend date
₹15,227
Spend trend
Recurring
₹11,089
a month across 13 subscriptions · ₹1,33,068 a year
Same merchant, same amount, same card, on a steady cycle. Open a row for the charges behind it.
Where it went, month by month
Nothing above is real except the software. Click a card, change the range, hover a day, settle a bill.
01
Drop the PDFs in
A month of statements at once. Outlay derives each password from your name and date of birth, opens the file in memory, and works out which card it belongs to from the text on the page.
02
It checks the bank's arithmetic
Twelve checks per statement. Line items are added up and compared against the totals the bank printed, so a half-read statement announces itself instead of quietly skewing a year of numbers.
03
You get the picture above
Spend by card, category and month. A calendar carrying both daily spend and every payment due. Fees itemised, because those are the ones worth arguing about.
Now imagine those were your numbers
It is all already in the statements sitting in your inbox, waiting to be added up.
The fee you did not notice
Annual fees, late charges and the GST on top, pulled out of the line items and totalled.
The subscription that renewed
The same merchant, the same amount, on a steady cycle. Found across your statements and totalled for the year.
The month you overspent
Every card on one trend line, so a bad month shows up as a shape and not a surprise.
Statement files are read and thrown away, never saved. Your name, date of birth, card digits and statement passwords are locked with a key that belongs to your account and no one else's.