Money is easier when
someone's counting
along with you.
Text Oru what you spent. It keeps the running total, warns you before the bill lands, and tells you when that message from “your bank” isn't from your bank.
Live on Telegram now. Free while we are in early access. Nothing to install.
Somebody to ask before you tap the link.
Fake KYC texts. Calls claiming you're under digital arrest. A “refund” that asks you to approve a payment. Forward it to Oru and you get a straight answer in seconds, in words your parents will follow.
Included on every plan, including the cheapest. Nobody should lose their savings over a billing decision.
“Dear customer, your KYC is suspended. Update within 24 hours: bit.ly/kyc-updt”
Don't open it, don't share an OTP. If you already did, call the number printed on your card now.
The rest of it runs quietly.
Logging, budgets, renewals, debts and savings. One chat, no dashboards to keep tidy.
Say it however you'd say it
“auto 80, chai 20, medicines 340” is a complete entry. So is a voice note on the walk home, or a photo of the bill still in your hand.
Logged ✓ · ₹1,260 left this week
One number each morning
What today can take without hurting the month.
The renewals you forgot
Everything that bills itself, with a day's warning and a note when the price creeps up.
A finish line for what you owe
Card, loan, EMI, lined up by what's bleeding you fastest.
₹18,000 of ₹42,000 cleared
Saving on purpose
Give it an amount and a date, get the monthly share.
Goa trip · ₹15,200 of ₹20,000
Half the logging happens without you
Point your bank alerts at Oru once and payments start appearing on their own, each one labelled with where it came from. When something can't be read, it says so instead of quietly dropping it.
It keeps your context
Payday, rent day, the Friday delivery habit. All visible, all editable by you.
What it actually feels like.
Not a dashboard you visit. A handful of short exchanges spread across the week.
- MonYou send three expenses in one line.
Sorted, categorised, weekly balance updated before you've locked the phone.
- TueYour bank emails a UPI debit.
It's logged before you've read the email yourself.
- Wed“Can I do ₹6,000 this weekend?”
Yes, if eating out stays under ₹2,000. You'd still end the month ₹900 up.
- ThuNetflix renews tomorrow, ₹649.
Said the day before, while cancelling is still an option.
- FriYour father forwards a KYC message.
Fake, and you both know within seconds.
- SunA short recap.
Where the week went, what's left, and the one thing worth changing.
About as much effort as sending a text.
No download, no form, no bank credentials. The first message is the whole onboarding.
Start on TelegramDrop in a month, every line comes through. Live now.
Picked up on the handset. With the app.
Straight from the bank, over India's own rails. Planned.
Friendly in the chat, strict about everything else.
- Encrypted in storage and in transit
- Never sold, never handed to advertisers
- No access to your money, ever
- Never asks for an OTP, PIN or password
- One message deletes the lot, backups included
You approve email access on your provider's own screen. Only messages that look like transactions get read.
Cheaper than the chai you'll log with it.
Everything is free while we are in early access. These are the plans when billing switches on, and early users keep a discount. Scam checks are free on all of them, always.
Lite
The everyday one
Billed monthly
- Bank alerts land and the expense appears
- Ten questions a month, a month of history
- Rent and EMIs log themselves
- Renewals, goals and a payoff plan
- Scam checks included
- Export whenever you want
Premium
No limits on anything
Billed monthly
- Ask as often as you like
- Every month you've been here
- All sources feeding in together
- Unlimited personal notes
- Odd debits flagged as they appear
- Export whenever you want
Family
Covers the household
Billed monthly
- Premium for up to four people
- Alerts if someone targets your parents
- Shared savings targets
- Ten minutes to set up on their phone
What people tell us.
“It's the friend who's good with money, except I can text it at 2am about a weekend plan.”
“I mumble a voice note walking out of the shop and that's the whole job done.”
“Dad forwarded a KYC message and Oru called it fake straight away. Worth the year's fee right there.”
“Sheets lasted a fortnight. This one I've kept up for three months.”
“Week one it showed me ₹6,400 going to Swiggy. My salary reaches month end now.”
“Pointed my HDFC alerts at it once and I've barely typed an expense since.”
Things people ask us.
Anything else, message us and a person replies.
Is my data safe?
It's encrypted, it's never sold, and one message deletes the lot. Oru only ever sees what you hand it.
Does it touch my money?
No. Reading and organising is the whole job. No transfers, and it will never ask for an OTP, PIN or password.
Which banks work?
Anything that emails you after a payment, which covers nearly every Indian bank and card. A statement upload or a plain text works too.
Do I need to install anything?
No. Oru runs inside Telegram today, so if you have Telegram you are already set up. WhatsApp is next, then apps for Android and iOS.
What if it logs something wrong?
Say “that was transport, not food”. Corrected instantly, and remembered for next time.
Does it understand Hinglish?
Yes. Type the way you type to friends and the replies come back the same.
Let something else keep count for a while.
Oru is live on Telegram. Say hello and log the first thing you spent today. It takes about as long as sending a text.
Free while we are in early access. No card, no bank login, nothing to install.
On WhatsApp instead? Leave your email and I will tell you the day it lands.
One email when WhatsApp is ready. Nothing else, ever.
Noted.
I will email the day WhatsApp goes live. In the meantime, Oru is waiting on Telegram.
Pricing
Cheaper than the chai you'll log with it.
Nothing is charged yet. Everything below is free while we are in early access, and early users keep a discount when billing starts. Cancel with one message, whenever that is.
Oru Lite
The everyday one
Billed monthly
- Bank alerts land and the expense appears, no typing
- Ten questions a month, and a month of history to draw on
- Rent and EMIs log themselves once you set them up
- Debt order, payoff pace and every renewal tracked
- Scam checks included
- Export your data whenever you want
Try Premium free for 7 days. No card.
Oru Premium
No limits on anything
Billed monthly
- Ask as often as you like, no counting
- Every month you've been here, not just the last one
- Email, statements and the app all feeding in together
- Keep as many personal notes as you want
- Suspicious debit alerts
- Export your data whenever you want
Oru Family
Covers the household
Billed monthly
- Everything in Premium for up to 4 people
- Family scam alerts if someone targets your parents
- Shared goals
- Set it up for your parents in minutes
What each plan includes
| Feature | Lite | Premium | Family |
|---|---|---|---|
| Log by chat, voice or photo | Unlimited | Unlimited | Unlimited |
| Bank email capture | ✓ | ✓ | ✓ |
| Statement PDF import | ✓ | ✓ | ✓ |
| Insight questions | 10 a month | Unlimited | Unlimited |
| What Oru holds on to | 30 days | Full history | Full history |
| Capture sources at once | 1 | All | All |
| Recurring charges, goals, debt plan | ✓ | ✓ | ✓ |
| Scam checks | ✓ | ✓ | ✓ |
| Suspicious debit alerts | - | ✓ | ✓ |
| Family scam alerts | - | - | ✓ |
| Members | 1 | 1 | Up to 4 |
| Export | ✓ | ✓ | ✓ |
Why Oru
Built here, for how money moves here.
Most money apps were designed for monthly card statements. That is not what a UPI-shaped month looks like.
Rupee first
Everything lands in ₹, and it reads Hinglish exactly as you'd type it to a mate.
Made for UPI
Twenty taps a day, most of them under a hundred rupees. That's the shape Oru is built around.
Before you lose money built in
Fraud here is a daily event, not a rare one. Nothing else in this category will check a message for you.
No bank login
Oru reads what you send it. No net banking credentials, no access to a single rupee.
Family mode
Set it up on your parents' phone in ten minutes and hear about it if someone comes after them.
Where you already are
It lives where you already spend your evenings, so there's no new habit to build.
Versus what you're using today
| What you get | Budget apps | Spreadsheets | Oru |
|---|---|---|---|
| Logging takes seconds | Forms | Manual | Just text me |
| Logs without you | Bank sync | No | Bank emails |
| Answers questions | Charts only | Formulas | Plain words |
| Warns before charges | Sometimes | No | Always |
| Checks scams | No | No | Yes |
| Needs a bank login | Usually | No | Never |
Tools
Everything Oru quietly handles.
It all happens in one chat thread. Tap any of these to see what that looks like.
Expense tracking
Your month, without a spreadsheet
Zero
Clearing what you owe
Putting money aside
Saving on purpose
Recurring charges
Renewals you forgot about
Before you lose money
Real message, or not
On WhatsApp
In the chat you already use
On Telegram
Same Oru, different app
Money check-up
A quick honest read
Budget templates
Plans built around Indian salaries
Expense tracking
Your month, without a spreadsheet.
Type it, say it, or photograph the bill. The amount gets pulled out, a category gets picked, and you get a one line confirmation. Point your bank alerts at Oru and a good chunk stops needing you at all.
However suits you
Typed, spoken, or a photo. Three expenses in one line is fine.
Corrections stick
Fix it once in plain words and the same mistake won't repeat.
Today's number
One line each morning: what today can take without wrecking the month.
Ask it anything
“How much on food so far?” or “₹6,000 this weekend, yes or no?”
Paying it off
A finish line for what you owe.
Put your card, loans and EMIs in one place and Oru ranks them by what's bleeding you fastest. You choose what you can spare each month; it keeps score and tells you the date it all ends.
A clear running order
Costliest first, or smallest first if early wins keep you going.
Instalments counted
Paid, pending and how many months are left on each.
Your pace
Change the monthly amount and the finish date moves with it.
No scolding
Just the next sensible move, and a nod when you're ahead of schedule.
Putting money aside
Name it, and Oru does the arithmetic.
A trip, a laptop, a cushion for bad months. Give it a number and a deadline and Oru works out the monthly share, reminds you when your salary lands, and says when you're ahead.
The monthly share
Worked out for you, and recalculated when life changes.
Nudges on payday
When the money's actually there, not every morning.
Progress on demand
Ask at any point and you'll get the number and the date.
Shared targets
On Family, everyone chips into the same pot.
Recurring charges
Renewals you forgot about.
Oru pulls together everything that bills you automatically, gives you a day's notice before each one, and points out the quiet price rises and the ones gathering dust.
Found for you
Pulled from your bank alerts and statements, not typed in by hand.
Warned early enough
“Netflix takes ₹649 tomorrow” arrives while you can still cancel.
Quiet rises caught
₹75 became ₹219 in July, and you'll hear about it.
Dead weight surfaced
Two gym visits this month, and a second cloud plan doing nothing.
Before you lose money
Real message, or not.
Police calls that aren't police, KYC links that aren't your bank, refunds that ask you to pay. Send whatever landed and you'll get a straight verdict and the next step, in words your parents would follow.
Send anything
An SMS, a forwarded message, a link, or a screenshot of the call.
An answer you can use
Fake, fine, or “can't tell, ring the number on your card”.
Too late? Still useful
If something was already shared, you get the first three things to do.
Eyes on your parents
Add them once and you'll hear if someone comes after them.
Every tier gets this, including the cheapest. Nobody should lose their savings over a billing decision.
On WhatsApp
In the chat you already use.
Save the number, send a hello, and that's the setup finished. Nothing to download, no form, no bank credentials. Then it's just texting: log a spend, ask about the month, forward something suspicious.
One message to start
That really is the entire onboarding.
Parents can use it
They already know WhatsApp. There's nothing else to teach them.
Voice notes work
Say it on the way out of the shop and it's logged.
Same chat for scams
Forward it in and you'll have an answer before you've put the phone down.
On Telegram
Same Oru, different app.
If Telegram is where you spend your time, nothing changes: logging, budgets, goals, debts, renewals and scam checks all behave identically.
Same account
Your number ties both chats together, so the data matches everywhere.
No message costs
Which means reminders stay generous rather than rationed.
Drop files in
A statement PDF straight into the chat gets imported line by line.
Stickers
Naturally.
Money check-up
A quick honest read.
Answer a few questions about what comes in, what goes out and what you owe. Oru sends back a short note: what looks fine, what's quietly draining you, and the one change worth making before next payday.
What comes in
Salary, freelance work, anything that arrives regularly.
What repeats
Rent, EMIs, bills and everything that renews on its own.
What's left over
The gap that decides whether the month holds together.
You'll get something you can act on this week, not a score out of ten.
Templates
Starting points, not rigid budgets.
Pick whichever is closest to your life and tell Oru where yours differs. It adjusts from there.
First job, ₹30k a month
Rent, travel and food covered, with something saved, and your weekends still intact.
Family of four
Fees, groceries, EMIs and the yearly spikes that catch everyone out.
Freelancer
Lumpy income, advance tax put aside, and a cushion for the quiet months.
Saving for a home
A down payment target, a three year runway, and the monthly number it demands.
Clearing a credit card
What to pay first, how much a month, and the date it finally ends.
Parents on a pension
A fixed monthly amount, medical costs, and fraud checks set up by their children.
About
Oru, in one page.
Oru is an AI that keeps track of your money from inside a chat window. You mention what you spent, or let it read your bank alerts, and it handles the rest: the running total, the bill due tomorrow, the debt you're clearing, the thing you're saving for, and any message that looks like fraud.
Nothing to install and no bank login involved. It sees only what you hand it, moves no money, and will never ask for an OTP, a PIN or a password.
Who it suits
Anyone who has deleted a budgeting app in week two, and anyone whose parents keep getting odd messages.
What it isn't
Not a bank, not an adviser, and not somewhere your money is held.
Where it runs
WhatsApp and Telegram today, a web dashboard beside them, phone apps later.
The name
Short, soft and easy in any language, like the character carrying your coins.
Our approach
Why a chat beats another dashboard.
Every budgeting app has the same flaw: it waits. You have to remember it, open it, and type things in. Oru starts from the other end. It reads what arrives, works out what it means, does the sums, and answers in one sentence, in a thread you already had open.
It reads intent
“chai 20, auto 80” turns into two sorted entries and an updated weekly balance.
It holds context
Payday, fixed bills, your habits, and anything you asked it to remember.
It starts the conversation
A renewal due, a category running hot, a goal drifting. You hear early enough to act.
It stays in its lane
Reading and organising, nothing more. No transfers, no credentials, no stock tips.
For employers
A benefit people will actually use.
Financial stress walks into the office every morning. Oru gives your team everyday spending help and fraud protection inside WhatsApp, which means no rollout, no training session and nothing for IT to maintain.
Zero deployment
People start with a message. There's nothing to push to a device.
Private by default
You pay for seats and see usage counts. Never anyone's actual finances.
Fewer bad days
One less employee losing a month's pay to a fake KYC link.
Contact
Talk to a person.
Questions, partnerships, press, or a bug that annoyed you. Every message gets read by someone on the team.
hello@oru.money
Support
Type “human” in the chat and a person takes over.
For employers
teams@oru.money
Press
press@oru.money
These go live at launch. Until then the waitlist is the fastest way to reach us.
Legal
Terms and conditions
The short version, in plain English. The full agreement lands before launch.
What this service is
Software that records and organises what you give it and answers questions about it. Not a bank, not a payment service, not an adviser.
Your side of it
What you send in, and what you decide to do. Suggestions here are guidance, not regulated advice.
On scam checks
We try hard, but no check catches everything. If you're unsure, ring your bank on the number printed on your card.
Billing
Monthly or yearly, cancel whenever. Access runs to the end of what you've paid for.
Your account
Your phone number is the account. Keep that number secure.
Legal
Privacy policy
The gist: it's your data, we use it to be useful to you, and you can wipe it whenever you like.
What's kept
Transactions, budgets, goals and notes, plus anything you asked Oru to remember. That's the lot.
About your email
Only messages that look like transactions are read. You approve access on your provider's screen and your password never reaches us.
What never happens
No selling, no sharing with advertisers, and no touching your money.
Deleting it
Ask and it's gone, backups included, within thirty days.
Where it sits
Encrypted at rest and in transit, handled in line with India's DPDP Act.