๐ User Guide
Master your personal finances with our comprehensive tutorial
๐ Quick Navigation
Getting Started
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Welcome to Rupiya! Let's get you set up and ready to manage your finances.
Create Your Account
1
Sign Up
2
Enter Details
3
Verify Email
4
Start Using
๐ก Tip: Use Google Sign-In for faster setup. Strong passwords recommended!
Dashboard Overview
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Your financial health at a glance.
Total Income
Track earnings
Total Expenses
Monitor spending
Cash Flow
Income - Expenses
Savings Rate
% of income saved
๐ก Tip: Check dashboard daily to stay aware of spending patterns.
Managing Expenses
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Track every rupee you spend.
Add an Expense
1
Go to Expenses
2
Add Expense
3
Fill Details
4
Save
Categories
Food
Dining & groceries
Transport
Gas & transit
Housing
Rent & utilities
Healthcare
Medical & insurance
Education
Courses & books
Entertainment
Fun & hobbies
โ ๏ธ Warning: Deleted expenses cannot be recovered.
Tracking Income
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Record all sources of income.
Add Income
1
Go to Income
2
Add Income
3
Enter Details
4
Save
Income Sources
Salary
Employment income
Freelance
Contract work
Investments
Dividends & gains
Business
Self-employment
Gifts
Money received
Refunds
Returns & rebates
Budgets
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Control spending with category budgets.
Create a Budget
1
Open Budgets
2
Create Budget
3
Select Category
4
Set Limit
5
Save
Budget Tracking
- ๐ Progress bars
- โ ๏ธ Limit alerts
- ๐ด Exceeded indicators
- ๐ Monthly trends
๐ก Tip: Use 50/30/20 rule: 50% needs, 30% wants, 20% savings.
Loans & EMI
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Track all your loans and EMI payments in one place.
Add a Loan
1
Go to Loans
2
Add Loan
3
Enter Details
4
Save
Loan Types
Home Loan
Mortgage & housing
Vehicle Loan
Car & bike loans
Personal Loan
Bank loans
Product EMI
Phone, laptop EMIs
Education Loan
Student loans
Credit Card
Card outstanding
๐ก Tip: Set EMI reminders to never miss a payment and avoid penalties.
Credit Cards
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Manage credit cards, track spending, and maximize rewards.
Add a Credit Card
1
Go to Credit Cards
2
Add Card
3
Enter Details
4
Save
Track & Manage
Credit Limit
Total available credit
Utilization
% of credit used
Due Date
Payment reminders
Rewards
Points & cashback
Spending
Monthly expenses
History
Payment records
๐ก Tip: Keep credit utilization below 30% for better credit score.
Health Insurance
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Track health insurance policies and medical expenses.
Add Insurance Policy
1
Go to Insurance
2
Add Policy
3
Enter Details
4
Save
Manage Policies
Policy Details
Coverage & benefits
Premium
Payment tracking
Renewal Date
Expiry reminders
Claims
Track claims
Family Members
Covered persons
Documents
Policy papers
๐ก Tip: Set renewal reminders 30 days before expiry to avoid coverage gaps.
Investments
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Track your investment portfolio.
Investment Types
Stocks
Individual stocks
Mutual Funds
Diversified funds
Fixed Deposits
Bank FDs
Real Estate
Property
Precious Metals
Gold & silver
Crypto
Cryptocurrency
๐ก Tip: Diversify across asset classes for better risk management.
Financial Goals
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Define and track your financial goals.
Goal Examples
Home Purchase
Down payment
Vacation
Dream trip
Education
Courses & degrees
Vehicle
New car/bike
Emergency Fund
6-12 months
Wedding
Special day
๐ก Tip: Set SMART goals: Specific, Measurable, Achievable, Relevant, Time-bound.
Flat Groups
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Split rent and bills with flatmates. Track shared living expenses and settle balances easily.
Create a Flat Group
1
Go to Flat Groups
2
Click "Create Flat Group"
3
Enter flat name and address
4
Add monthly rent (optional)
5
Add flatmates with email/phone
Add Shared Expense
1
Open your flat group
2
Click "Add Expense"
3
Enter amount and category
4
Select who paid
5
Choose split type (equal/custom/percentage)
6
Select flatmates to split with
Expense Categories
Rent
Monthly rent
Electricity
Power bills
Water
Water bills
Internet
WiFi & broadband
Gas
Cooking gas
Groceries
Shared food
Cleaning
Supplies & help
Maintenance
Repairs & fixes
Other
Misc expenses
Settle Balances
1
Check "Who Owes Whom" section
2
Click "Settle Up"
3
Select who paid whom
4
Enter settlement amount
5
Add notes (optional)
๐ก Tip: Settle balances monthly to keep things simple and avoid conflicts.
โจ Pro Tip: Use percentage split for unequal room sizes or different usage patterns.
Reports & Analytics
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Analyze your financial data.
Available Reports
Expense Report
Category breakdown
Income Report
Source analysis
Net Worth
Assets - Liabilities
Goal Progress
Track milestones
Budget Analysis
Actual vs budget
Trend Analysis
Spending patterns
๐ก Tip: Review reports monthly to identify savings opportunities.
FAQ
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Q: Is my data secure?
A: Yes! Industry-standard encryption. Data never shared with third parties.
Q: Can I edit past transactions?
A: Yes. Click any transaction to edit or delete.
Q: Can I export my data?
A: Yes. Settings โ Export Data as CSV or PDF.
Q: Is Rupiya free?
A: Yes! Completely free. No ads, no hidden charges.
Q: Can I use Rupiya offline?
A: Requires internet to sync. Some features work offline with cached data.
๐ก Still have questions? Contact us at help.rupiya@gmail.com