# Analystly.io — Full AI Context > One app for expenses, documents, goals, and your financial future. Budget. Vault. Goals. Bobby AI. Offline-first, no bank linking, free forever. Made in India. ## About Analystly Analystly is a personal finance app designed specifically for young Indian professionals (ages 22-35). It replaces the scattered mess of spreadsheets, WhatsApp screenshots, and forgotten documents with a single calm dashboard. The app is offline-first — it never connects to bank accounts, never asks for UPI PINs, and never auto-pulls financial data. Users enter data manually, giving them complete control and privacy. The app is available on Android via Google Play Store. Core features are free forever with no paywalls on essentials. --- ## Features in Detail ### 1. Budget Track every rupee with auto-categorised expenses split into Income, Expense, and Savings. Features include: - Auto-categorisation by merchant - Live month-by-month breakdown charts - Smart 50/30/20 budget rule alerts - Category-wise spending insights - Monthly Report Card summarising financial health ### 2. Vault Secure on-device document storage for critical financial papers: - Supports 12+ document categories (insurance, FDs, property, PAN, Aadhaar, loans, investments) - Encrypted on-device storage — no cloud server can be breached - Automatic renewal and maturity date alerts - Drop documents once, never lose them ### 3. Goals Set and track financial goals with intelligent planning: - Goal-linked SIP calculations - Step-up suggestions for increasing contributions - Visual progress tracking - Multiple simultaneous goals supported ### 4. Bobby AI An on-device AI money copilot that reads your financial data within the app: - Ask in plain English: "Where did my March money go?", "Set a cab spending cap", "Plan a SIP for 50 lakhs in 10 years" - On-device context, private by default - Goal and budget setup in one conversational line - Smart nudges instead of guilt-trips - Does NOT make transactions, access bank accounts, or provide SEBI-regulated investment advice - Available for Alpha plan members ### 5. Notes and Contacts All financial context in one place: - Tag notes by topic (tax ideas, CA meetings, Q2 reviews) - Scan business cards via OCR - Attach reminders to notes - Store financial advisor and RM contact details ### 6. Alpha Split Split bills with friends and groups: - Track shared expenses - Calculate fair splits - Settle up tracking ### 7. Calculators Built-in financial calculators: - SIP Calculator (Systematic Investment Plan) - EMI Calculator (Equated Monthly Instalments) - Tax planner - Investment return calculators ### 8. Invest (Coming Soon — Waitlist Open) One dashboard for every asset class: - Mutual Funds, FDs, Bonds, Insurance, and Digital Gold - Curated startup deals (invite-only) - Goal-linked SIPs with step-up suggestions - Track, rebalance, and grow without app-hopping --- ## Pricing ### Free Plan (Forever) Includes: Budget, Vault, Goals, Notes, Alpha Split, Calculators, Monthly Report Card ### Alpha Plan — Rs 149 for 3 months Includes everything in Free, plus: - Expanded vault storage - Bobby AI actions - Early access to new features - Invite-only Alpha community - Alpha promo code: EARLYALPHA --- ## Privacy and Security - Offline-first architecture: financial data stays on device - No bank linking — never asks for bank credentials, UPI PINs, or account access - Documents stored with on-device encryption - Firebase cloud backup only for account recovery (sign in on new device to restore) - No one at Analystly can see uploaded documents - No server to breach for document data --- ## Company Information - Name: Analystly - Website: https://analystly.io/about - Email: info@analystly.io - Location: Delhi, India - Platform: Android (Google Play Store) - Category: Personal Finance, Budgeting, Document Management - Target audience: Young Indian professionals aged 22-35 - Status: Pre-launch / Early access --- ## Legal and Compliance - Analystly is NOT a SEBI-registered investment advisor - All content, calculators, and tools are for informational and educational purposes only - The app does not provide buy/sell recommendations or portfolio management services - Users should consult a qualified financial advisor before making investment decisions - Privacy Policy: https://analystly.io/about/privacy - Terms of Service: https://analystly.io/about/terms --- ## Frequently Asked Questions ### Is Analystly free? What is included without paying? Yes. The core app (Budget, Vault, Goals, Notes, Alpha Split, Calculators, Monthly Report Card) is free forever with no paywalls on essentials. The Alpha plan at Rs 149 for 3 months unlocks premium features like expanded vault storage, Bobby AI actions, early access to new features, and the invite-only Alpha community. ### Does Analystly connect to my bank or need account details? No. Analystly is 100% offline-first. Financial data stays on your device. Nothing is auto-pulled from banks, nothing is shared. Users enter data manually for complete control and privacy. The app never asks for bank credentials, UPI PINs, or any financial account access. ### What is Bobby AI and what can I ask it? Bobby is the built-in AI assistant. It reads financial data within the app (budgets, goals, expenses) and helps users understand spending, plan ahead, and stay on track. Bobby only reads data the user has entered. It does not make transactions, access bank accounts, or provide SEBI-regulated investment advice. Available for Alpha members. ### Is Analystly a SEBI-registered advisor? No. Analystly is a personal finance toolkit, not an investment advisor. It does not provide buy/sell recommendations or portfolio management services. All content, calculators, and tools are for informational and educational purposes only. ### Which financial documents should every Indian have organised? The 8 most critical: health and life insurance policies, PAN and Aadhaar (linked), SIP and mutual fund statements, loan documents with sanction letters, salary slips for the last 6 to 12 months, property papers, investment account statements across demat, PPF, NPS, and FDs, and nominations across every account. ### Is it safe to store financial documents digitally? Safer than WhatsApp and Gmail where most Indians store them. Analystly Vault is offline-first with documents living on the device, not on a cloud server. The safest practice is a two-copy approach: physical originals in a fireproof box, scanned copies in a private app only the user can access. ### What happens if I lose my phone? Data is backed up to Firebase cloud storage tied to the user account. Sign in on a new device and all data (budget, vault, notes, contacts, splits) is fully restored automatically. ### What happens to investments if I do not update nominations? Family members will need a succession certificate or court order to access the money — a legal process that takes 1 to 3 years with significant legal fees. This applies to every account: bank, mutual fund, demat, PPF, NPS, EPF, and life insurance. --- ## Links - Landing Page: https://analystly.io/about - Privacy Policy: https://analystly.io/about/privacy - Terms of Service: https://analystly.io/about/terms - Short AI summary: https://analystly.io/about/llms.txt