About Tinku
A calm, India-first household money workspace designed for clarity over spreadsheets.
Purpose & Core Idea
Turn scattered expenses, bills, and surprises into one clear daily picture.
Most finance tools either bury households in complex accounting charts or track spending without connecting recurring due dates and emergency reserves. Tinku connects your current balance, upcoming 7-to-14 day bills, category budgets, and resilience reserve into one straightforward workflow.
7 Essential Categories
Groceries, Rent, Utilities, Health, Transport, Education & Insurance
5 Flexible Categories
Dining, Shopping, Entertainment, Subscriptions & Other
Active Balance
Cash + Free Room
Updates after every expense & bill
Reserve
Protected
Drill verified
Category Budgets
Essential & flexible pace
Bill Approvals
Approve, postpone, or run consented AutoPay
Who Tinku Is Designed For
Built around real Indian household cash-flow patterns and shared living expenses.
Everyday Indian Households
People managing monthly salary cycles, rent, groceries, utilities, school fees, and family expenses in INR from one shared view.
Variable-Income & Freelance Earners
Anyone balancing irregular inflows against fixed due dates who needs to see how much cash stays free after upcoming bills.
Flatmates & Shared Groups
Roommates, couples, and travel groups who want transparent bill splits and clear settlement balances without spreadsheet overhead.
How the Application Flows
A four-stage loop linking daily spending, scheduled bills, and long-term resilience.
Define Your Baseline
Set expected monthly income, salary day, current balance, and emergency reserve in Settings, then assign monthly caps across real household categories.
Track Daily Spending & Bills
Record everyday purchases manually or via receipt scan in Expenses, and schedule recurring obligations on Bills in reminder, manual, or AutoPay mode.
Approve & Stay Ahead
Review what needs confirmation right on the Home dashboard, settle group splits in Groups, and audit past charges in Payment History.
Test Emergencies & Plan Purchases
Run a Crisis Drill to verify how long your reserve protects essential categories, and track safe purchases in Wishlist & Goals.
Core Design & Safety Principles
Less Thinking, Less Clicking
Most visits take seconds: see what is free after upcoming bills, confirm or postpone a due item, or log an expense.
Essentials Protected First
All 12 categories clearly separate essential living costs from flexible spending so emergency plans never compromise necessities.
Explicit Consent on Payments
Bills wait for your approval unless you turn on AutoPay with a clear per-payment cap. Failed payments stop instead of silently retrying.
Honest Mode Clarity
Sample household exploration, temporary storage notices, and demo/sandbox payment paths are always clearly labelled.
Ready to explore Tinku hands-on?
Browse all 12 categories in the Help Center or start an interactive walkthrough.