Your wealth doesn’t have
to live in one country.
Super in Sydney, a flat in Delhi, a fixed deposit in Mumbai. Each balance stays in its own currency, and the total adds up in yours at each month's own rate, so your history never rewrites itself.
- What am I worth, in dollars or in rupees?
- How much of it is still in India?
- Which account grew most this year?
What really changed this month?
Log your balances once a month. Each change is split into what you put in, what grew and what the currency did, so a falling rupee never passes for a bad month, and a good market never passes for saving.
- Did I save, or did the market do it?
- What did the exchange rate cost me?
- Which account moved the most?
Mostly what you put in.
Biggest moves
- ING · Savings and offset+806+3%
- Vanguard · Index ETFs−523−2%
- CommBank · Everyday−203−6%
To check
Every broker, every country. One return.
Upload the statements your brokers already send: CommSec, Zerodha, Vanguard, Kuvera and more. See each account's real yearly return, and all of them together, with dividends and currency counted once.
- What has my money really earned?
- Which broker is doing better?
- How much did dividends add?
How close are you to enough?
Describe the retirement you want: where, from what age, spending what. See the earliest age your money lasts, and the age it lasts for good. Then ask the what-ifs.
- What if I paid more into the home loan?
- What if I stopped at 50 instead of 55?
- What if I retired in another country?
Stopping at 55, infinite runway is reached
You could stop contributing at 42 (2036) and still reach infinite runway by 55, on expected returns.
Who receives what?
Name the people, the life cover and the loan it should clear. Bahi Khata settles it the way an estate is settled, liabilities first and country by country, and shows what each person would receive today. A plan to take to your solicitor.
- What if my spouse isn't there either?
- Which loan does the life cover clear?
- What would a will in each country cover?
Talk it through with your own AI.
For questions that reach beyond your figures: the news, the markets, the rules. Connect Claude, ChatGPT or any app that supports connectors. It reads the figures Bahi Khata has already worked out, only the parts you allow, and never changes a thing.
- “Which of my holdings were in the news this week?”
- “What will the next rate move mean for my loan?”
- “If the rupee keeps falling, how exposed am I?”
- “How do this year's tax changes affect my plan?”
Part of Pro. You choose what it can read, and you can stop at any time.
Your figures stay yours.
- No bank loginsYou type your balances. Nothing connects to your bank, and no one asks for a password.
- Built securelyYour figures are encrypted in transit and at rest (AES-256). You sign in with Google, so there is no password here to steal.
- Seen only if you allowNo one at Bahi Khata looks at your figures. If you report a problem that needs them, you let support in from Settings, for 7 days at most.
- Take them with youExport everything to a spreadsheet whenever you like.
Ten minutes a month.
- 01Log your balancesOnce a month, type what each account shows, in its own currency.
- 02Upload your investmentsAdd your brokers' statements, monthly or each quarter. Anything already added is skipped.
- 03Read your monthly overviewWhat you saved, what grew and what the currency did, with a sentence on what drove the month.
- Feeling stuck? Ask Munshi JiHe’s always around to help: he knows every page, and finds any figure for you without leaving the app. Part of Pro.
Three months of Pro, on us.
Every member starts on Pro from their first sign-in. After three months, stay on Free for good, or keep Pro.
- Included: Every page, including the FIRE Planner and Estate plan
- Included: Investments: every broker's real return in one place
- Included: AI access: ask your own AI app about your figures
- Included: No limit on assets or liabilities
- Included: The logging reward adds weeks of Pro
- Included: Feeling stuck? Munshi Ji is always around to help
- Coming: Every new feature, as it lands
- Included: Dashboard, Assets and Liabilities
- Included: 5 assets and 1 liability kept up to date
- Included: Your whole history, readable and exportable
- Not included: No FIRE Planner, Estate plan, Investments, AI access or Munshi Ji
Discipline pays: log 3 months in a row on time, and a week of Pro is added.
Each month, every balance updated and ticked, in that month. The habit is the product — we’d rather reward it than remind you of it.
Invite-only for now.
What gets measured
gets managed.
Log once a month. A clearer answer every time.
Invite-only for now. The tour needs no account.