Expense Tracking
How to Work Out Your Monthly Spending from Bank SMS
Search your inbox for debit SMS, drop transfers and card bill payments, then total by category. A worked example with real-life numbers.
Money Guides
Posts about money guides on the SkyloFin blog.
Expense Tracker Apps
SMS-Based Expense Tracker Apps for Android: How They Work and Which to Pick
SMS expense trackers turn your bank alerts into a spending diary. How they read a message, what they miss, and how six apps compare.
Budgeting
How to Make a Monthly Budget in India: Salary Examples from ₹25,000 to ₹75,000
Make a monthly budget in 5 steps: fixed costs, savings, variable spends, a buffer, weekly checks. With full budgets for ₹25,000 to ₹75,000 salaries.
Money Guides
Expense Tracker Apps and Your Privacy: What Each Kind Can See
Expense trackers work in three ways: you type, the app reads your bank SMS, or the app links to your bank. Here is what each one can see, where your data goes, and six questions to ask any money app.
Expense Tracking
How to Track UPI Expenses Automatically (Without Typing Anything)
Every UPI payment already sends you a bank SMS. Here is how to turn those messages into an automatic expense log, plus a free manual method.
Expense Tracker Apps
Best Expense Tracker Apps in India (2026): An Honest Comparison
The best expense tracker is the one you keep using. We compare seven apps by how they fill themselves in, what they cost and where your data lives.
Expense Tracker Apps
Free Expense Tracker Apps That Need No Bank Login
You can track spending without sharing a bank login. Here are free apps that use bank SMS or manual entry, and what each one asks you to hand over.
Loans
Personal Loan True Cost: Flat vs Reducing Rate, Fees and APR
Two personal loans can quote rates that look close and cost very different amounts. Here is how flat and reducing rates differ, what the processing fee adds, and how to read the APR on the Key Fact Statement.
Money Guides
Poonawalla Fincorp Personal Loan: Interest Rate, Fees and Eligibility
Rates from 9.99%, up to ₹50 lakh, repaid over 1 to 7 years. Here is what a Poonawalla Fincorp personal loan really costs once you add the processing fee, with a worked EMI example.
Investing
SIP vs Lumpsum: How Each One Works, With Numbers
A SIP invests a fixed amount every month; a lumpsum invests it all at once. Here is how each works, what rupee cost averaging really does, and why the comparison people usually make is not a fair one.
Money Guides
The 50-30-20 Budget Rule on an Indian Salary, Explained Simply
Split your take-home pay into needs, wants and savings. Here is how the 50-30-20 rule works on a real Indian salary, what to do when rent eats half, and how to see where your money actually goes.
