Humdono
Humdono is a privacy-first personal finance application designed for individuals and couples in India. It enables users to track income, expenses, EMIs, investments (mutual funds, stocks, PPF, NPS), and taxes in one unified dashboard. The app supports multi-currency tracking and offers seamless sharing with a partner, allowing joint financial management without compromising privacy. Bank statement parsing is performed entirely in the user's browser, ensuring that sensitive financial data never leaves their device. Investment values are updated with near-real-time prices from AMFI India for mutual funds and Yahoo Finance for stocks. Built-in EMI and SIP calculators help users plan loans and savings with amortization schedules and compounding projections. An AI-powered advisor provides a financial health score (0–100), key ratios (savings rate, EMI burden, investment ratio), and personalized recommendations. Tax planning features support both old and new Indian tax regimes, including deductions under 80C, 80D, and HRA. All data is encrypted in transit with TLS 1.3 and at rest with AES-256, hosted in Google Cloud's Mumbai region.
- Category
- Finance
- Pricing
- Free
Problem solved
Managing personal finances becomes complex for Indian households with diverse income sources, multiple investments, EMIs, and tax obligations. Couples face additional challenges synchronizing money data and having joint financial conversations. Humdono simplifies tracking, planning, and collaborating on finances while prioritizing data privacy and locality.
Use cases
- Track income and expenses across multiple currencies
- Manage joint finances with a partner
- Monitor investment portfolio (mutual funds, stocks, PPF, NPS) with live prices
- Calculate EMI affordability and loan amortization
- Plan SIPs and visualize long-term compounding
- Obtain AI-driven financial health scores and personalized advice
- Compare old and new tax regimes and optimize deductions
Audience
- Business Users
Pros
- Bank statement parsing happens locally in browser, no data sent to servers
- Real-time updates for mutual fund NAVs and stock prices
- Built-in EMI and SIP calculators with detailed projections
- AI advisor provides actionable financial health insights
- Partner sharing with household-level data isolation
Cons
- Currently only supports HDFC, SBI, and ICICI bank statement parsing
- Free during early access; future pricing model unknown
- Limited to Indian financial instruments and tax rules
- Requires manual entry for some assets like PPF and NPS
- New product, may have limited user community and documentation
Official website: https://www.humdonoapp.com/
Canonical LambdaBase page: https://www.lambdabase.com/tools/humdono