WALLETWATCH · PRACTICAL MONEY RECORDS

Track spending without connecting your bank

About WalletWatch, its publisher and the practical guides for manual expense and credit-card records.

WalletWatch is a manual expense and credit-card tracker built and maintained by Bhaumik Dhameliya, an independent developer in Surat, Gujarat, India. It helps you record income and expenses, review spending categories and keep a consistent record of card bills. No account or bank connection is required.

Start with the record you need

On the Log tab, add an expense or income for the chosen date. Stats separates income, expenses and cash flow and shows spending by category. Categories manages names and budgets. Cards keeps card purchases, billing groups and bill payments together. These totals describe the entries you recorded; they are not a live bank balance.

For example, a fictional salary income of ₹25,000 and a food expense of ₹120.50 produce ₹24,879.50 of cash flow for that period. The income and spending still need to remain separate. The CSV import walkthrough shows that example, an actual preview and the resulting totals.

A card purchase and a payment need different treatment

A ₹1,000 purchase followed by a ₹1,000 bill payment does not mean ₹2,000 of spending. Detailed mode counts recorded purchases. Lump-sum is for recording bill payments without also recording the same purchases as ordinary expenses. Switching modes does not remove existing entries. The timing and category detail differ. Our worked card guide and free calculation check explain the difference. The shared-bill guide covers cards that actually appear on one issuer bill.

Your records stay in this browser

Financial records and settings are stored in this browser on this device. There is no cloud sync. Use the app offline after it has loaded and cached successfully, or install a browser shortcut for quick access. Installation is not a backup and, depending on your browser, an installed web app may use separate storage. Check your entries before switching. Clearing website data, using another browser profile or losing the device can remove your access to the history.

Export a JSON backup regularly under You → Backup & export, and keep it somewhere you can access outside this browser. CSV import adds transactions; JSON backup restore replaces current app data. These are different operations. The privacy notice explains local storage and website measurement.

Optional reminders use a separate notification service. If you enable them, it receives browser delivery details and upcoming due dates; financial amounts and history stay on your device. See the reminder privacy details before enabling this feature.

What WalletWatch does not do

It does not connect to bank accounts, read SMS messages, fetch statements or make payments. Recurring entries need your Log or Skip action; they are not automatic bank payments. Card reconciliation compares the records you supplied and cannot certify an issuer's amount due, payment deadline, interest or fees. Check the issuer's statement before making a payment decision.

About the guides

The guides are prepared around current product workflows and checked arithmetic. Demonstrations use isolated browser storage and fictional records. Captured videos are edited product steps with synthetic narration, not customer testimonials. Substantive reviews are dated so readers can report an instruction that no longer matches the app.

Contact the publisher about product problems or corrections. For a customer or supplier khata rather than personal spending, see the separate Naame app. Records do not sync between the products.

Open WalletWatch