Personal finance, simplified

How much money do you actually have right now?

Overvue puts your banks, cards, spending and the money you've lent or borrowed in one place — and gives you a single number you can trust: your net worth.

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Good morning

Aarav

Net worth

₹3,48,650

₹12,400 (3.7%) this month

Liquid₹2.64L

Investments₹1.2L

Lent₹45,000

Debt-₹80,550

October budgetView

65%used

Spent₹32,500

Left₹17,500

Budget₹50,000

₹47,976₹2K under budget

Projected month-end spend

SpentProjected

Everything you own and owe, in one view.

No spreadsheets. No guessing. Overvue brings every rupee together so you always know where you stand.

Net worth, at a glance

A hero number for what you're really worth, broken down into liquid cash, investments, money lent and debt — plus a trend chart over time.

Banks & cards together

Add savings and current accounts through one simple flow, and keep credit cards right next to them with payments tracked.

Budgets that keep up

Set one monthly limit, cap the categories you want to watch, and see a forecast of where the month will land, so overspending never sneaks up on you.

Stats that explain

Spending by category, trends against last month and your savings rate. Turn on Overvue AI if you'd like short notes on what changed.

Loans, lent & borrowed

Track home and car loans with their rate and payoff date, and money you've lent to friends or borrowed from them. All of it counts toward your net worth.

Card bills, on time

Each card shows what you owe and when the bill is due, and logging a payment brings the balance down.

Subscriptions, before they renew

See what every repeat charge costs you a month and a year, what's due in the next 30 days, and get a reminder before each one.

Events to count down to

Trips, birthdays, the day a loan ends. Overvue counts down the days, and yearly events roll over on their own.

Savings goals

An emergency fund, a trip, a deposit. See how far along each goal is, what to put aside a month and whether you're on pace.

Every entry, day by day

Activity lists everything you've logged, grouped by day with the day's total, so any entry is easy to find and fix.

A closer look.

Real screens from the app, grouped by what they do. Flip the theme switch up top to see them in light or dark.

Overvue Home screen with net worth and this month's budget — **Home**Net worth and this month's budget, at a glance.

Accounts screen listing cash, bank accounts, credit cards and investments — **Accounts**Cash, banks, cards and investments in one list.

Add expense screen with a number pad and category shortcuts — **Add**Type the amount, tap a category, done.

Transfer screen moving money from a bank account to cash — **Transfers**Move money between your own accounts; it isn't spending.

Add income screen with salary and freelance categories — **Income**Salary, freelance work or anything else coming in.

Activity screen listing entries by day — **Activity**Every entry, grouped by day with the day's total.

Stats screen with a money health score, savings rate and income, spent and saved — **Stats**Money health, savings rate and where it went.

Category breakdown with a donut chart and changes against last month — **Breakdown**Spending by category, against last month.

Cash flow chart for the last four months and a weekday spending chart — **Cash flow & habits**What came in, what went out, and your costliest days.

Turn on Overvue AI sheet — **Turn it on**Off until you say so, with what it sees spelled out.

Overvue AI insights about cafes spending, savings and a grocery cap — **Notes on your month**Short notes on what changed, on the Stats tab.

Overvue AI chat answering where the money went and which bills are due — **Ask anything**Answers worked out from your own accounts and budget.

Overvue AI chat with suggested questions — **Suggested questions**Start from a question picked for your month.

Your planThe AI switch and your Pro trial, in your profile.

Budget screen with what's left to spend and a month-end forecast — **Budget**What's left, a daily allowance and a month-end forecast.

Budget screen with category limits for groceries and cafes — **Category limits**Optional caps on the categories you want to rein in.

Edit budget screen with the month and monthly limit — **Set a budget**One monthly limit across all categories.

Month picker for the budget — **Any month**Jump to any month or year.

Categories screen with built-in and custom categories — **Categories**Built-in categories, plus your own.

Bank accounts screen with HDFC and ICICI balances — **Bank accounts**Every account and its balance, with the total on top.

Credit cards screen with outstanding amounts and due dates — **Credit cards**What you owe on each card and when it's due.

Edit credit card screen with interest rate, monthly payment and payoff date — **Paying it off**Your rate and payment give a payoff date.

Investments screen with mutual funds and stocks — **Investments**Mutual funds and stocks, counted in your net worth.

Edit investment screen with a monthly contribution from a bank account — **Regular contributions**A monthly top-up, moved or reminded on the day.

Add bank account screen with banks from your country — **Your banks**Banks and card issuers from your country come first.

Accounts screen with a Loans row under investments — **Loans**Home, car and personal loans, counted as debt.

Add loan screen with the loan type, lender and interest rate — **Add a loan**The kind, the lender, the rate and the monthly payment.

Loans sheet with an HDFC car loan and its payoff date and interest — **Loan payoff**What you owe, when it's paid off and the interest.

Lend and borrow sheet with money lent to a friend and a form to add more — **Lent and borrowed**Who owes you, and who you owe.

Subscriptions screen with the monthly total and upcoming charges — **Subscriptions**Monthly and yearly cost, and what renews next.

Edit subscription screen set to Income for a monthly salary — **Repeating income**Your salary or rent received, logged on the day.

Events screen counting down to a trip, a birthday, a loan's end and tax filing — **Events**Count down to trips, birthdays and due dates.

Add event screen with event types like birthday, trip and loan ends — **Add an event**Birthdays, trips, loan ends and more, yearly if you like.

Edit event screen with a target amount and a link to the Goa trip goal — **Event with a target**A target amount, and the goal that saves for it.

Goals screen with a trip goal behind pace and an emergency fund in progress — **Savings goals**The goal closest to done on top, with what to save a month.

Emergency fund goal with a progress ring and money added each month — **A goal**Saved, target and left, with every pay-in.

Add goal screen with a name, target amount and date — **Add a goal**Track it by hand, or follow an account's balance.

Home screen with the goals closest to done and recent activity — **Goals on Home**The goals closest to done, right on Home.

Goa trip goal behind pace, with what to save each month to get there by the date — **A dated goal**What to save a month, and whether you're on pace.

New laptop goal reached, following the HDFC savings account balance — **Follows an account**Link an account and its balance counts as saved.

Add money to Emergency fund sheet with an amount field — **Add money**Log what you put aside; take it out if you need to.

ProfileYour plan, subscription and settings in one place.

Overvue Pro screen comparing the free plan and Pro — **Overvue Pro**Free or Pro, side by side. Every new account gets a free month.

Home screen settings with section and net worth toggles — **Your Home screen**Choose what Home shows and what counts in net worth.

The small things, done well.

Quick to log, easy to read, and set up the way you like it.

Banks from your country

Choose your country and its banks and card issuers come first. About 175 of them, across 26 countries.

Categories your way

Built-in categories cover the everyday. Add your own with an icon, and rename or remove them any time.

Logged in seconds

Type the amount and tap a category. The account, date and a note are one tap away when you need them.

Any month, any year

Look back at any month or year from Budget and Activity, with a quick month and year picker.

Reminders that fit

Card bills, renewals, events, goal milestones, low balances and a weekly summary, each with its own switch. Pick how often they come.

Overvue AI, if you want it

Ask about your money in plain words and get short, clear answers. It stays off until you switch it on.

Up and running in minutes.

Three steps from "where did it all go?" to a clear picture.

Add your accounts

Enter your banks and credit cards with their current balances. No bank passwords, ever.

Log as you go

Add an expense, income, card payment, or a loan to a friend with a couple of taps from the + button.

See the truth

Your dashboard updates instantly — net worth, budget progress and where your money went.

Budget

October 2026

Spent this month65% used

₹32,500

of ₹50,000 monthly budget

Left to spend₹17,500

Per day, 11 days left₹1,590/day

Spending forecast

At your current daily pace

October

₹47,976

Projected month-end spend

SpentProjected

Budget

Spend with intention.

Set one monthly limit and let Overvue keep score. The bar turns from teal to amber to red as you spend, and a forecast shows where the month will land — so you notice early, not after it's gone.

One monthly spending limit, tracked daily
Left to spend and your per-day pace
Month-end forecast from your current spending
Dark mode by default — light and system themes in Settings

Overvue AI

Ask about your money. In plain words.

Turn on Overvue AI and get short notes on what changed this month, plus answers to questions like "Where did my money go?" or "Can I cover my card bills?", worked out from your own accounts, budget and spending.

Off until you turn it on, and off again with one switch in Settings
Sees amounts, dates, categories and notes, never your email, password or card numbers
Chats aren't stored
Part of Overvue Pro: up to 150 questions a month, free for your first 30 days

More about Overvue AI

The Turn on Overvue AI sheet explaining what the AI sees and that chats aren't stored

Overvue AI answering where the money went this month and which card bills are due

Your money. Your data.

Overvue is built so you stay in control of what it knows.

No bank logins

You enter the balances and transactions you choose. Overvue never asks for your bank passwords or card PINs.

Private by account

Your data syncs to your own account via Google Firebase, so it follows you across devices and isn't shared with others.

No ads, no selling

We don't show ads and we don't sell your personal data. Read the details in our Privacy Policy.

Know where you stand.

Overvue is launching on iPhone and Android. Grab it from your store, or get a note the moment it's live.

Download on theApp Store Get it onGoogle Play

Not on your store yet? Notify me at launch

How much money do you actually have right now?

Budget

Accounts

Stats

Everything you own and owe, in one view.

Net worth, at a glance

Banks & cards together

Budgets that keep up

Stats that explain

Loans, lent & borrowed

Card bills, on time

Subscriptions, before they renew

Events to count down to

Savings goals

Every entry, day by day

A closer look.

The small things, done well.

Banks from your country

Categories your way

Logged in seconds

Any month, any year

Reminders that fit

Overvue AI, if you want it

Up and running in minutes.

Add your accounts

Log as you go

See the truth

Budget

Spend with intention.

Ask about your money. In plain words.

Your money. Your data.

No bank logins

Private by account

No ads, no selling

Know where you stand.