AI-first money intelligence for India

Vunora

Expense tracking that understands what comes next.

Track spending, spot upcoming bills, and see how real-world changes can affect your next month.

Join the waitlist Explore the forecast

Macro-aware forecasts Upcoming expense reminders Review when uncertain

vunora.app / macro layer Daily scan

Macro research layer

When the outside world moves, your forecast moves first.

Vunora watches fuel, food, policy, fees, and events, then turns those signals into category-level spend impact.

June range ₹52K-58K personalized from history

At risk +₹2.4K fuel, LPG, groceries

Freshness 7 days sources expire quickly

Baseline vs macro-aware forecast shock explained

Fuel +₹600-1,100

Food basket range up

Policy rate-sensitive

Events festival spikes

vunora.app / forecast AI reviewed

Cash-flow forecast

See next month before it becomes a surprise.

Personal history, recurring cycles, and current signals turn into a rupee range you can actually plan around.

Projected spend ₹58.4K +₹6.8K vs baseline

Naive miss ₹7.4K known cycles included

Warning window 14 days before cash leaves

Rent ₹28K

Cards ₹14.6K

Fuel ₹7.6K

Grocery ₹6.9K

Explain the jump

Every forecast change carries the driver, not just a bigger number.

Plan the buffer

Vunora highlights the amount likely to pressure your month.

Reserve first ₹42.6K rent and card cycle

Watch closely Fuel + LPG could add ₹1.1K

Safe-to-spend ₹18.2K after known dues

vunora.app / reminders 7 found

Upcoming expense memory

Recurring expenses surface before they hit.

Rent, card cycles, renewals, EMIs, and flexible life patterns become reminders without manual setup.

Jun30

Rent transfer

Usually paid between the 30th and 2nd. Keep the buffer ready.

₹28K

Jul08

Credit card cycle

Recent spends point to a higher bill than your normal month.

₹14.6K

Jul18

Service or renewal cycle

Bike service, filter, grooming, or yearly renewal pattern is due.

check

No manual calendar

Vunora learns from payments you already make.

Cash-flow first

Reminders are grouped by what changes the month.

vunora.app / review queue 3 items

Review when uncertain

AI asks before bad data distorts your plan.

Low-confidence items are parked for quick correction instead of silently changing categories or forecasts.

Possible duplicate

Two ₹1,499 OTT charges appeared minutes apart.

review

Known spending pattern

INDIANOIL and IOCL match your past fuel spends.

94%

Unclear payment

RAZORPAY ₹940 could be pharmacy, ticket, or subscription.

ask

Confidence 0.62 below review threshold

Forecast risk ₹2.4K could move categories

Next action 1 tap confirm or correct

The problem

Most expense apps explain last month. Your life needs next month.

Vunora turns everyday money signals into short, practical warnings before the expense lands.

It combines your history with real-world signals: fuel, fees, policy, festivals, renewals, and recurring habits.

Commuter Fuel changes become a monthly commute range.

Family School fees, rent, insurance, and festival months surface early.

Student Subscriptions, travel, dining, and exam-season spikes stay visible.

Freelancer Irregular income, taxes, renewals, and card bills get planned together.

The goal is not stricter budgeting. It is fewer financial surprises.

Forecast built from personal history plus macro signals

Illustrative monthly outlook for a household profile.

Naive Vunora Actual

Naive miss

₹7,400

Trajectory-only forecast missed two known cycles.

Main driver

Fuel + LPG

Market and policy signals mapped to your category spend.

Reminder window

14 days

Upcoming expenses surface before they hit cash flow.

Product intelligence

Four loops that make your money easier to understand.

Vunora combines capture, projection, reminders, and correction so every new event improves the next answer.

Macro-aware projection

World events become a rupee-range forecast.

Vunora connects market and policy signals to the categories you actually spend in.

Fuel price movement

Your commute averages ₹6,800/month. A ₹3-5/litre rise moves the range to ₹7,200-7,600.

+₹400-800

Festival month pressure

Travel, gifts, dining, and home purchases lift the forecast before the month starts.

+₹8.2K

Policy-sensitive categories

GST, repo-rate, and subsidy changes are shown as drivers, not buried in one number.

explained

Expense memory

Recurring expenses become reminders without manual setup.

Vunora learns weekly, monthly, quarterly, and yearly patterns from your own history.

Rent due in 4 days

Recurring transfer to landlord detected every month between the 30th and 2nd.

₹28,000

Card bill due next week

Statement cycle plus recent spending suggests keeping a buffer before the 10th.

₹14,600

Flexible service cycle due

Could be bike service, haircut, home filter, insurance, or another pattern you repeat.

cycle found

Pattern correction

The system learns when your data looks off.

When a merchant, amount, category, or payment mode conflicts with history, Vunora asks instead of guessing.

Known pattern recognized

"INDIANOIL" and "IOCL" match your past fuel spends, not generic travel.

94% sure

Possible duplicate charge

Two identical ₹1,499 OTT payments appeared minutes apart. Vunora parks the second for review.

review

Low-confidence item parked

Example: "Paid ₹940 to RAZORPAY" could be pharmacy, ticket, or subscription.

needs input

Designed to expand

Future modules fit the same intelligence layer.

The system is built to support investment analysis, loan and EMI planning, and event/festival-aware expense planning without turning into a manual spreadsheet.

Investments

SIP, mutual fund, stock, and bond transactions can be routed into an analysis agent with risk notes and alternatives.

planned

Loans and EMIs

Repo-rate and policy changes can be translated into payment impact and surplus changes.

planned

Events and festivals

Travel, gifting, household, and dining spikes can be forecast around your own historical behavior.

planned

Simple setup

Connect once. Let every signal compound.

The product is designed around raw event preservation, AI-first classification, and review when the model is uncertain.

Capture money events

Bring in SMS, notifications, email, imports, and manual entries. The original text is preserved for traceability.

Classify with context

AI understands Indian payment modes, spending patterns, recurring expenses, category signals, and confidence levels.

Act before it happens

Get upcoming expense reminders, macro-aware forecasts, and review prompts before errors distort your plan.

Built beyond tracking

A financial intelligence base for the next modules.

Expense tracking is the foundation. The same architecture can support richer planning as the product grows.

Future scope 01

Investments

Analyze SIPs, funds, stocks, bonds, and recurring investment behavior with source-backed context and risk notes.

Future scope 02

Loans and EMIs

Track payment cycles, rate changes, amortization pressure, and upcoming obligations across credit products.

Future scope 03

Events and festivals

Forecast spending spikes around holidays, family events, travel, school cycles, and local seasonal patterns.

Early access

Join the Vunora waitlist.

Start with one completely free month. After that, continue with a simple subscription if Vunora earns its place.

✓First month completely free.

✓Built for Indian financial messages, payment modes, and life cycles.

✓Forecasts, reminders, and review from day one.

Vunora early access Invites open with the app experience first.

Request access

Share the basics. We will use this to prioritize who gets invited and which product area to shape first.

Name

Feature interest