No logins. No monthly fees. No "Premium required to export your own data." Just you, a Telegram message, and a double-click.
Try it now: @PennyTrak_bot
Every January I download a new budgeting app. Every March I forget to open it. By April, I'm back to squinting at my bank statement trying to reverse-engineer where ₹40,000 went.
It wasn't a discipline problem. It was a friction problem. Every app wanted me to log into a dashboard, find the right category, tap through three menus, and somehow remember to do this after every transaction. I don't do that. Nobody does that.
But I do check Telegram constantly. So I asked myself a dumb question: what if logging money felt exactly like texting a friend?
