Your finance made intelligent

MoneyGradJoin the waitlist

Welcome to MoneyGrad

Your pay cheque arrives. Your freedom doesn’t.

Your personal finance co-pilot — one app for splits, deposits, bills, and a single honest read on your money.

Join the Founding 500 for lifetime free membership

The mess we live in

Five apps, 100+ monthly transactions, zero clarity.

01 / 04Fin Meter

A hundred-plus data points a month — spends, SIPs, EMIs, bills — read into one honest score, benchmarked to people your age.

02 / 04Investments · Ride Quality

Not how high.How safe the climb.

The market only ever shows you the upside. Ride Quality — our own risk matrix — reads every holding you own, equity, gold, funds and FDs alike, against your real finances, and tells you how safe the climb actually is. Then it builds the habit: the smallest steady sum, repeated, beats the big bet you keep putting off.

76/ 100
Ride QualityA proprietary safety score — how steadily your money rides, across every asset.
03 / 04Loans & Credit · Debt Score

Know your debt.Without paying to.

A credit-bureau report costs you money and still hides the one thing that matters — whether your debt is working for you, or against you. Debt Score reads every EMI and every card into one honest number, free. The way out was always simple; most people just never see it laid out.

82/ 100
Debt ScoreYour whole debt in one number — no CIBIL report, no fee, no waiting.
04 / 04Cashflow · Intelligent Budgeting

Every penny.Accounted for.

A large company can tell you where every rupee will go before the month even begins. You deserve the same discipline. Intelligent Budgeting sets the budget with you, then guards it — weighing each spend against what you already approved, and nudging you three days before money leaves, not the morning after.

100%
Budget keptWhen a company can account for every penny — why can’t you?
Shared finance · Splits

Split it. Then forget it.

Trips, flatmates, dinners. MoneyGrad keeps the running ledger, does the arithmetic, and chases it over WhatsApp — so you never have to ask twice.

  1. Start from a group you already haveGoa Trip, Flat 4B — five people, one running balance.
  2. ₹4,200 becomes ₹840, five waysThe members fly in from the group and take their share.
  3. It leaves as a WhatsApp messageThey open a link and settle up. No app required.
  4. And lands in the trip ledgerWho paid, who owes — always current.
  5. Debts simplify. You settle once.Four balances collapse into two transfers.

How Splits works: start from a group you already have, like a Goa trip with five members. A ₹4,200 dinner is split five ways into ₹840 shares, the request goes out as a WhatsApp message, the expense lands in the shared trip ledger, and MoneyGrad simplifies four balances into two transfers. Recording a settlement updates the ledger — it doesn’t move any money.

Invest in your future

Earn up to 8.10% p.a. on deposits,
in a few taps.

Compare high-yield fixed deposits from RBI-licensed banks and NBFCs side by side, and open one without leaving the app. Rates as of 24 July 2026.

  • Bajaj Finance
    7.40% p.a.
    Fixed DepositNBFC
  • Mahindra Finance
    7.45% p.a.
    Fixed DepositNBFC
  • SFShriram Finance
    7.50% p.a.
    Fixed DepositNBFC
  • UUnity Bank
    8.00% p.a.
    Fixed DepositBank
  • SSuryoday Bank
    8.10% p.a.
    Fixed DepositBank

Settle your bills

20,000+ billers, one place to pay them.

Electricity, gas, broadband, FASTag, loan EMIs, insurance and more — paid on NPCI’s Bharat Bill Payment System (BBPS), with reminders so nothing slips past its due date.

Built on trust

Your data comes in.
It never leaves.

Everything you link is encrypted, read only, and never sold. We read your accounts for insight — we can never move your money, and your data never leaves for anyone else.

  • HDFC Bankencrypted
  • Salary creditencrypted
  • ICICI Cardencrypted
CASA · Tier 2

CASA Tier 2 certified

Independently assessed against the OWASP mobile app security standard and certified by TAC Security.

Startup India

DPIIT-recognised startup

Inviwise, the company behind MoneyGrad, is recognised as a startup by DPIIT under the Government of India’s Startup India initiative.

Recognition no. DIPP209107

  • Encrypted end to endEverything you link is encrypted in transit and at rest.
  • Read-only by designMoneyGrad reads your accounts for insight and can never move your money.
  • Never soldYour financial data is never sold or rented to anyone.

FAQ

Everything you want to know,
before you download.

Still have a question? Write to us at contact@inviwise.com.

What is MoneyGrad?

MoneyGrad is a financial health app for India. It brings your whole money life into one place — split shared costs over WhatsApp, book fixed deposits, clear card and utility bills, and read everything as a single number called the Fin Meter.

How does MoneyGrad protect my financial data?

Your data stays on your device. MoneyGrad reads your transaction SMS and email locally to organise your spending, and never stores your bank passwords. Its access is read-only — it can show you your money, but it can never move it, and your data is never sold.

How does expense tracking work without my bank login?

With your permission, MoneyGrad reads the transaction SMS and email alerts your bank already sends and categorises them on your device. Nothing leaves your phone, and you see where every rupee goes — as per your linked accounts — with no manual entry or spreadsheets.

What is the Fin Meter?

The Fin Meter is MoneyGrad’s proprietary financial-health score: one number that reads your whole money life at a glance, based on your linked accounts. It is a MoneyGrad framework for insight — not a credit score, and not a rating from any agency.

Are fixed deposits booked through MoneyGrad insured?

Fixed deposits are placed with RBI-regulated partner banks and are DICGC-insured up to ₹5 lakh per bank. MoneyGrad shows you the rates and helps you book in a few taps — it is not a bank itself, and the deposit sits with the partner bank.

How does MoneyGrad handle bill payments?

You can pay credit card and utility bills in the app over NPCI’s BBPS network. BBPS is a national bill-payment service that MoneyGrad facilitates rather than provides itself, so your payments run on the same rails your bank and other apps already use.

How much does MoneyGrad cost?

MoneyGrad is free to use at launch. Any premium tools introduced later will be entirely optional, and we will always make it clear what is free and what is paid — there is no cost to join the waitlist or to use the core app.

When is MoneyGrad launching, and how do I get early access?

MoneyGrad launches in India in 2026, on Android first. Join the waitlist to get early access and a founding-member badge before the public release — it takes under a minute and there is no spam, just one launch email.

Founding 500

Your pay cheque shows up on time.
Make sure it stays.

The first 500 members get lifetime free membership and shape what we build next. Leave your details and we’ll bring you in before we open to everyone.

  • Deposits with RBI-regulated partner banks · DICGC-insured up to ₹5 lakh
  • Bills on NPCI’s BBPS rail
  • Nothing moves without you approving it

Join the waitlist

Lifetime free membership for the Founding 500. No spam — one note when we open.