⚡ Conversational Finance — WhatsApp & Telegram

Every rupee.
Effortlessly tracked.

Stop ghosting your bank balance. Log expenses naturally via WhatsApp and Telegram — no spreadsheets, no app fatigue.

30 free AI parses monthlySetup under 2 minutesNo bank login needed
📲 Install on your phone — no App Store needed →
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Live demo

Just type. We handle the rest.

Chat naturally with your ledger history, query monthly trends, or rely on manual fallback wizards — all from the same familiar chat interface.

How it works

Three steps. Zero friction.

01
🔗
Step 01

Connect your handle

Link your WhatsApp or Telegram account to ChillarFlow in under 60 seconds. No bank login, no OAuth, no sensitive credential sharing.

02
💬
Step 02

Chat naturally

Send messages like "450 swiggy joint" or "got salary 80k" to our verified assistant. It parses, categorises, and logs instantly.

03
📊
Step 03

Track together

Both partners see a unified dashboard in real-time. Settle debts, hit savings goals, and never argue about the grocery bill again.

Read the complete setup guide →

Architecture

Three architectures. One smooth dashboard.

Configured cleanly to map against exactly how your home handles money.

For pooling capital together

Joint Household Pool

Contribute fixed amounts monthly into a shared tracking pool for mutual obligations. Expenses like rent, groceries, and streaming tabs flow transparently without fighting.

For independent partner balances

Separate Trackers

Maintain individual bank account boundaries cleanly. Append keywords like "to settle" to your conversational chat entries, and the system logs a running balance down to the rupee.

For creators splitting work & lifestyle

Solo Pocket

Stop letting client milestone income blend into your personal routine. Effortlessly segregate family needs from professional SaaS subscriptions, custom project invoices, or tech hardware down-payments.

Features

Engineered for real life.

💬

Log via WhatsApp & Telegram

Send plain text like "222 dinner swiggy" right from your chat screen. ChillarFlow instantly parses the entry, handles the smart categories mapping, and updates your balances in real-time.

🔮

Guided Number Wizard

If you ever run out of monthly conversational tokens, just text a raw number like "350". The interactive wizard guides you through assigning the transaction for free.

🚇

Auto-Rickshaw Proof UI

Activate Privacy Mode with a single tap to mask your currency metrics (₹ ••••). Check your home balances anywhere on public transit without exposing your numbers.

📡

Offline Network Resilience

Network drops inside deep supermarket basements or parking levels won't break your flow. ChillarFlow seamlessly caches entries offline and syncs them when your signal returns.

🤝

Dynamic Partner Verification

Each partner logs independently from their personal handles. The system automatically attributes records to the correct sender, updating a unified home view.

🏰

Your data stays private

We cannot read your WhatsApp or Telegram messages — we only see what you send directly to the ChillarFlow bot. Your financial data is locked to your account only.

<2min
Setup time
30
Free AI parses/month
25+
Expense categories built-in
100%
Row-level secure

Reviews

Loved by households across India.

We used to fight about money every month. ChillarFlow ended that completely. Now we just check the dashboard and know exactly where everything went. The WhatsApp logging is pure genius.

GK
Gaurav & Karishma
Joint Household

As a freelancer, separating work expenses from personal was a nightmare. The Solo mode + category system is exactly what I needed. Logging from Telegram while commuting is a game changer.

K
Karan
Solo Pocket

The running settlement tracking is incredible. We keep separate finances but share rent and groceries. ChillarFlow shows exactly who owes whom down to the rupee without any awkward conversations.

SV
Sneha & Vivek
Split Household
🚀 Get started in under 2 minutes

Ready to stop the
silent cash drains?

Get 30 conversational parses free every month on Pocket Flow. Upgrade instantly to Chillar Pro or Family Flow using our verified Razorpay gateway whenever your parsing operations expand.

Setup free householdChoose your plan