CiviQ is a personal finance app built for Indians who are tired of not knowing where their money went. It tracks every rupee you spend, every payment you receive, and every subscription you keep forgetting you pay for — all in one place.

💡 Fun fact: The average Indian professional has 4.7 active subscriptions. Most people think they have 2. CiviQ will find the rest within a week.

What CiviQ does

  • 🧾 Tracks every expense — Swiggy, Ola, DMart, petrol, everything
  • 💰 Manages multiple income sources — salary, freelance, rent
  • 📊 Sets and tracks monthly budgets per category
  • 🎯 Tracks savings goals (laptop, camera, Goa trip, emergency fund)
  • 🔄 Audits your subscriptions — and flags the ones you forgot about
  • 🏦 Tracks EMIs and shows you exactly when you'll be debt-free
  • 🤝 Splits bills with friends and tracks who hasn't paid yet
  • 🖥️ Tracks multi-component purchases like a gaming PC build
  • ✈️ Lets you log expenses via Telegram without opening the app
  • 📄 Generates reports — including a tax summary for ITR season
  • 📡 Works completely offline — subway, flight mode, hill station

Who is CiviQ for?

CiviQ is built for young Indian professionals who earn well but never quite know where the money goes. If you've ever looked at your bank balance at the end of the month and thought 'wait, what happened?' — CiviQ is for you.

Example
Meet Hari. He earns ₹1,16,819/month at a Bengaluru startup. He pays rent, eats out a lot, has a gym membership he uses twice a month, is paying off a laptop loan, and somehow always runs out of money before the 25th. CiviQ helped him figure out that ₹6,400/month was going to food delivery and ₹649/month to a Hotstar subscription he hadn't opened since the World Cup.

What CiviQ is NOT

  • ❌ Not a bank — it doesn't hold your money
  • ❌ Not an investment platform — it doesn't invest for you
  • ❌ Not a budgeting lecture — it gives information, not judgement
  • ❌ Not a subscription that requires your credit card to try
✨ CiviQ's core features are completely free. No credit card, no trial period, no "premium features" hiding the useful stuff.