Know what you can spend today.
See where your money went.
Notice what matters.
Sarathy turns everyday spending into a calmer, understandable picture of your money: one number for today, where the month went, and the few things worth knowing — each one backed by the actual charges behind it.
Free during the beta. No bank connection, no card — it works from what you spend.
What it looks like
Comfortable todaySample data
S$64to spend
You'll make it to the 1st
S$1,280 left for the month after S$400 set aside for rent and the phone bill.
Your pace is S$71 a day after what’s set aside — measured from what you actually spent.
This month · spent so far
Sample dataS$116.46
9 charges · S$23.03 more than by this point last month.
Food & drink4 · 50%S$58.40
Subscriptions2 · 22%S$25.96
Transport1 · 13%S$14.80
and 2 more
S$1,200 moved between accounts isn't spending.
Sample figures for an invented person. See the whole sample →
Works your way
Start by adding something yourself.
A line like 8.50 kopi is enough. Sarathy works out the merchant and the category, and you can correct either with a tap.
Then, if you want, it can capture more on its own:
- On iPhone, a Shortcut. One logs Apple Pay payments on its own with nothing to tap; another sits on your home screen for everything else. Apple lets no app read payment notifications, so this and email are the ways in.
- On Android, payment alerts. With the Sarathy app, the notifications from a short list of payment apps — Grab, PayLah, PayNow, DBS, OCBC, UOB, Wise, Shopee, Foodpanda — are read on the phone. Nothing else on the phone is looked at. Or share a payment to Sarathy from any app and it logs the same way.
- Emailed receipts, if you connect Gmail. Read-only, and only mail that looks like a payment confirmation. What it finds waits for you to look at; if you choose, the clear ones go to your Ledger by themselves and anything uncertain still waits. Disconnect any time.
Every captured charge shows how it arrived, and nothing goes on the record twice.
What it isn’t
Sarathy helps you understand your money. It cannot move money or make payments.
It is not connected to your bank or your cards. It keeps the amount, the merchant, the date and how each charge arrived — not your messages, and not your mail. What it keeps, and why →