Built on RBI-approved framework and data protection laws

Others show where your money went. Peble helps you plan where it goes.

When you work hard for your paycheck, a month-end expense report comes too late. You shouldn’t need spreadsheets, mental math, or financial guesswork to manage your money. Peble shows what your month will look like before it happens, so bills, EMIs, and rent stop catching you off guard.

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🔒 No data selling — ever 🔐 Encrypted at rest and in transit 🛡️ Your financial data stays private

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Peble Money™ Engine v2.4
LIVE FORECAST · 18d to Payday
Liquid & Available Balance
₹42,850
🏦 Active Bank: ₹32,850 🛡️ Emergency Reserve: ₹10,000 (Locked)
✓ Zero Default Risk
Safe to Spend Today
₹840 / day
Based on ₹15,960 discretionary surplus across 18 days
Guaranteed Buffer
Day-by-Day Trajectory (Apr 13 – May 1) Payday on 1st (+₹65,000)
Upcoming Commitments
Home Loan EMI 2d · ₹18,500
Jio Broadband 6d · ₹1,499
HDFC Swiggy Card 11d · ₹3,840
SBI Car Loan Cleared ✓
Proactive Risk Radar
⚠️ Tight Window: Apr 18–24
All ₹23,839 in commitments are locked & secured. Keeping daily spending below ₹840 ensures zero overdraft before salary.
Liquid Allocation (₹42,850 Total) 4.2 Mo Runway ✓
Fixed Dues: 46%
Reserve: 23%
Free Spend: 31%
Live Sync: ₹340 Swiggy auto-tagged to Dining · Safe spend recalculated instantly.
🔒 Strictly Read-Only 🛡️ 256-Bit Encrypted 🚫 Zero Loan Ads
Get Peble Free →
Financial Decision Helper & What-If Simulator
Before you swipe, simulate how any purchase or EMI impacts your runway:
Simulation: iPhone 16 EMI (6 months) ⚠️ TIGHT BUFFER
Safe Spend / Day
₹534 / d
was ₹840/d (-36%)
Month-End Low
₹4,750
Day 26 cushion
Default Risk
0.0%
EMIs protected ✓
💡 Decision Helper Verdict: Lowest cash buffer hits ₹4,750 on Day 26. Your Home Loan EMI remains 100% safeguarded. Daily discretionary spending safely absorbs the EMI if dining out is capped at ₹3,000.
Baseline Buffer Cushion:
82% (Safe)
Simulated Buffer Cushion:
36% (Tight)
⚡ Quick amount test:
⚡ Real-Time Math 📊 6 to 24-Mo Projections 🛡️ Safe vs Risky Radar
Simulate in App →
Peble AI Financial Copilot
24/7 private assistant with zero ads, zero commissions, and zero bias:
👤
Can I safely afford a ₹14,000 purchase this weekend without missing bills?
🤖
Here is your cashflow breakdown:
• Liquid balance: ₹42,850 (₹19,999 reserved for Home Loan EMI & Wi-Fi).
• Discretionary surplus: ₹15,960 over 18 days (₹840/day safe spend).
If you spend ₹14,000 today, safe spend drops to ₹108/day. While you won't default on bills, your buffer will be very tight.
💡 Recommendation: Split into 3 no-cost EMIs (₹4,666/mo) to keep safe spend at ₹580/day.
👤
What if I redeem my credit card reward points?
🤖
You have 12,400 HDFC Regalia points worth ₹6,200! Redeeming them drops your net cash outflow to ₹7,800, keeping safe spend healthy at ₹453/day.
Tap to ask Peble AI:
🔐 100% Private (No LLM Training) 🚫 Zero Sales Pitch
Chat with Peble AI →
Zero-Default Commitment Radar
Funds for bills are segregated in your mental buffer before you spend:
Credit Cards ✓ Optimal (<30%)
HDFC Regalia
Due in 7d · 18% limit used
₹14,250
ICICI Amazon Pay
Due in 19d · Grace active
₹4,180
✓ Statement cycles auto-tracked to prevent interest charges.
Fixed Obligations Reserved
SBI Home Loan
May 15 · Auto-debit ready
₹18,500
Nifty 50 Index SIP
May 5 · Executed ✓
₹10,000
✓ ₹28,500 locked so your bank balance never deceives you.
Total Pre-Locked Commitments: ₹48,750
100% pre-funded before calculating discretionary safe-to-spend.
Protected ✓
🛡️ The Peble Promise: Never pay a late fee again. Peble maps your pay cycle to your due dates automatically so you always know what is genuinely yours to spend.
🏦 Read-Only Bank Sync 📅 Due Date Alerts 🛡️ Debt Payoff Engine
Track Dues Free →
Start using Peble today

Download free. Win lifetime Pro.

Be an early user for a chance to win lifetime free Pro access. Get Peble now on Android or use the web app on iOS.

GET IT ONGoogle Play Download on theApp Store

Use Peble on the web →

See your month before it happens. Forecast your cashflow, spot pressure dates, and check what a spending decision could mean for the rest of the month.

A clearer view of your month

See what’s coming, before it catches you off guard.

One view for your projected balance, upcoming obligations, and safe-to-spend guidance.

Peble Money dashboard preview
Download free & enter to win lifetime Pro Early users get a chance to win lifetime free Pro access
Live Feature Showcase

Look Inside Peble: Built for Absolute Peace of Mind

No spreadsheets, no hindsight regret. Experience how Peble's forward-looking engines simulate, safeguard, and optimize your money before you spend a single rupee.

Feature Highlight 01
Mobile Viewport · Daily Radar
Daily Safe-to-Spend Engine

One Clear Daily Number Every Morning

Instead of guessing if you can afford dinner or a purchase, Peble computes your safe daily spending ceiling after locking all EMIs, rent, and bill commitments.

Safe to Spend Today
₹840
🟢 All Upcoming EMIs 100% Safeguarded
Current Liquid Balance ₹42,850
Reserved Obligations (Rent + EMIs) -₹26,890 🔒
Remaining Discretionary Surplus ₹15,960
Days Until Next Payday 19 Days (1st of month)
💡 Daily Formula: ₹15,960 surplus ÷ 19 days = ₹840/day. Spend under this and your balance never drops below zero.
Feature Highlight 02
Simulation Engine · Pre-Purchase
"What-If" Spending Simulator

Simulate the Impact Before You Swipe

Thinking of booking a weekend getaway or dining out? Test any purchase in seconds and see how it impacts your balance on the 28th before making a commitment.

Simulated Purchase
Weekend Getaway & Dining
₹4,500
Month-End Buffer (Baseline)
₹12,400
After This Spend
₹7,900
⚡ Simulator Verdict: Safe to Proceed
• Home Loan EMI on the 15th will clear with 100% certainty.
• Your remaining safe spend adjusts from ₹840/day → ₹603/day.
• No risk of overdraft fees or missed bill penalties.
Feature Highlight 03
Debt Intelligence · Foreclosure
Early Debt Payoff Optimizer

Become Debt-Free Months Faster

Peble analyses your interest rates and surplus cashflow to find the exact optimal prepayment that saves thousands in interest and shaves months off your loans.

Total Active Debt
₹3,45,000
2 Active Loans
Standard Debt-Free Date November 2027 (34 mo)
With +₹2,500/mo Extra Prepayment March 2027 (8 Months Earlier! 🚀)
Total Bank Interest Saved ₹48,200
Payoff Progress 42% Cleared
Feature Highlight 04
Peble AI · Context-Aware
Peble AI Financial Copilot

Ask Plain Questions, Get Precise Answers

Ask real-world financial questions in plain language. Peble AI uses your private financial horizon to provide mathematical, personalized recommendations.

"Can I buy a ₹15,000 washing machine on no-cost EMI this month without risking my rent?"
Peble AI Analysis:
• If paid upfront (₹15,000 cash): Your balance drops to ₹2,850 on the 22nd — dangerous before your ₹1,499 utility bill.
• If on 3-month no-cost EMI (₹5,000/mo): Your daily safe spend adjusts to ₹680/day, and your ₹25,000 rent reserve remains 100% untouched.
👉 Recommendation: Choose the 3-month EMI. Zero stress, full buffer preserved.
🔒 Calculated locally · Zero data shared with third parties
What Peble Does

See consequences before they become problems.

Peble gives you forward visibility into your finances — so every decision you make is an informed one without mental math, rigid budgets, or guesswork.

Cashflow Forecast, Day by Day

Peble maps your projected balance for every remaining day of the month — factoring in obligations, income, and spending patterns. You see exactly where pressure builds before it hits.

"What Happens If I Spend This?"

Before you order dinner or buy that jacket, simulate the impact. Peble shows you how one purchase shifts your entire month — so you decide with clarity, not guilt, and without building a spreadsheet in your head.

Risk Alerts Before They Happen

Peble tells you the exact date your balance is projected to run out — days or weeks in advance. Early warnings give you time to adjust, not panic.

Daily Safe-to-Spend Guidance

One clear number each morning — how much you can comfortably spend today without putting rent, EMIs, or upcoming bills at risk. A guide, not a restriction.

Obligation Awareness

Every recurring commitment — home loan, car loan, credit card minimum, subscriptions — visible in one place, sorted by urgency. Know what's coming and when, always.

Privacy Native — Zero Ads

You are not the product here. We do not sell your data to loan companies. No insurance spam calls. No "pre-approved offer" SMS. Your financial data stays yours.

Getting Started

Be up and running in under 5 minutes. You are in control at every step.

1

Download Peble and get started

Get the app for free and create your account. No bank details are needed to begin.

2

Tell Peble About Your Monthly Fixed Costs

Enter your salary, rent, and the EMIs you pay every month. This takes about 2 minutes and never changes unless you tell us.

3

Enable Auto-Sync 100% OPTIONAL

Optionally connect your bank via RBI-approved guidelines and data protection laws for automatic transaction sync. Read-only. You can disconnect anytime. If you prefer, skip this — manual entry works perfectly.

4

See your entire month, mapped out

Peble builds your forward-looking financial picture — projected balances, risk dates, spending guidance, and obligation timelines. Your month, visible and in control.

 Peble works with or without bank sync. The app is fully functional with manual entry. Bank sync is a convenience feature, not a requirement.

Ready to get started?

Download free and see your money more clearly.

Be an early user for a chance to win lifetime free Pro access.

Download free
Privacy First by Design

Built differently. You never have to surrender control.

Most finance apps ask for your banking credentials on Day 1. Peble doesn't. We built it so you never need to share anything you're not comfortable with.

Manual-First

Peble is designed to work fully with manual entry. Just type your salary, rent, and EMIs. That's it. No bank connection needed.

No Banking Passwords

We never ask for your net-banking password, UPI PIN, or OTP. If you opt into bank sync, it goes through RBI's regulated framework — not us.

Disconnect Anytime

If you connect your bank and change your mind, disconnect in one tap. No questions asked. No data retained after disconnection.

Encrypted & Isolated

Your data is encrypted at rest and in transit, and each user's data is isolated. Peble does not sell or share your financial information.

✋ Manual-first 🔒 No banking passwords 🔄 Disconnect anytime 🔐 Encrypted at rest & in transit 🛡️ User data is isolated 🚫 Data never sold
"We built Peble because we were tired of finance apps turning users into leads for loans, insurance, and credit cards. You deserve a tool that works for you — not one that works on you."
Security & Trust Guarantee

"Can Peble move money from my account?"

🛡️ Short Answer: Absolutely Not. Never.

Giving any app financial access feels scary. Here is the honest truth: Peble is strictly read-only. We can only view your balances to help you plan ahead — we have zero permission to touch or move your money.

✓ Zero debit permissions — funds never leave your bank
✓ No passwords, OTPs, or private SMS messages read
✓ Bank sync is 100% optional (use manually or disconnect in 1 tap)
🔒
Strictly Read-Only

Like looking through a window. Peble only sees transaction history to forecast your month. It is technically impossible for us to debit or transfer funds.

🇮🇳
RBI Regulated Framework

Built on the official Reserve Bank of India Account Aggregator network. We never store net-banking passwords or scrape personal OTPs.

🛡️
Safer Than UPI Apps

Payment apps like GPay or PhonePe have write access to send money. Peble has zero write access — meaning we can never initiate debits.

⚡
100% Optional Sync

Prefer manual entry? Use Peble with manual inputs or Excel imports. If you link a bank, you can disconnect and delete all data in 1 tap anytime.

Download Peble free. Win lifetime Pro.

Start using Peble today to see how long your money can last before payday, with cashflow forecasts, risk alerts, and spending clarity. As an early user, you’ll have a chance to win lifetime free Pro access.

  • ✅  Download and use Peble for free
  • 🎁  Early users have a chance to win lifetime free Pro access
  • ✅  Built for Indians managing EMIs & rent
  • ✅  Zero data selling — you are a customer, not a product
  • ✅  Your data is encrypted at rest and in transit, and isolated from other users
  • ✅  Bank sync optional — works with manual entry too
  • ✅  No loan offers, no insurance calls — ever

Get Peble now

GET IT ONGoogle Play
Download on theApp Store
FAQ

Questions we answer before you have to ask.

Peble is free to download and use. Early users will have a chance to win lifetime free Pro access. Download the app to get started.

Absolutely not. Bank sync is 100% optional. You can manually enter your salary, expenses, and EMIs and Peble will work perfectly. Many users prefer this for complete privacy — and the app is designed to be just as useful either way.

No — and it is technically impossible. If you opt into bank sync, Peble connects via RBI-regulated guidelines and data protection standards which are strictly read-only. We receive a data feed of your transactions; we have zero capability to initiate, approve, or influence any transaction whatsoever. Even your UPI app has more power over your bank than Peble does.

It is a secure, regulated data-sharing infrastructure created by the Reserve Bank of India (RBI). Think of it as a secure pipe between your bank and an app — your bank only releases data with your explicit, revocable consent. We do not store your net-banking credentials, and we do not scrape your SMS. Major Indian banks like SBI, HDFC, Axis, and ICICI are already participants in this system.

No — and deliberately so. Peble is focused on helping you understand and navigate your day-to-day cashflow. We are not a SEBI-registered advisor, we do not recommend stocks, mutual funds, or insurance products, and we will never try to upsell you a financial product. Peble is for people who want to make better everyday financial decisions — not for portfolio management or wealth planning.

Most expense trackers look backward — they show you where your money already went. Pebl looks forward. It forecasts your cashflow day-by-day, warns you about upcoming pressure points, and lets you simulate how spending decisions affect your month before you commit. CRED uses your credit card data to sell you loans and insurance. Peble has no such business model — we make money from subscriptions, not from your data.

Never. We have a strict zero data-selling policy. Your name, phone number, email, and financial data will never be shared with any third party for marketing purposes. We built Peble because we were tired of being the product. We will not do to our users what was done to us.

The RBI-approved framework is already live with major Indian banks including SBI, HDFC, Axis, ICICI, Kotak, IndusInd, Federal Bank, and Yes Bank, with more being added regularly. If your bank is not yet on the list, you can still use Peble fully with manual entry — and we'll notify you the moment your bank is supported.

Simple logic, no black box. Peble takes your current bank balance (or the balance you enter manually), subtracts all upcoming fixed payments — rent, EMIs, bill dues — that fall before your next salary date, factors in your recent spending history, and projects your balance forward day by day. From this, it derives your daily safe spending amount, flags risk dates, and lets you simulate the impact of any purchase. It updates every day so the picture is always fresh and accurate. No mysterious algorithms — just straightforward math you can verify yourself.

Yes. Peble supports irregular income — you can set an expected income for the month or update it whenever a payment comes in. The app recalculates your cashflow forecast and spending guidance on the spot. For freelancers, having early visibility into pressure dates and financial risk is arguably more important than for salaried users — Peble is built for exactly this kind of uncertainty.

Yes — multiple accounts are supported. You can connect or manually manage your salary account, savings account, and any secondary accounts separately. Peble gives you a consolidated view of your total available balance and tracks which account each expense is coming from. No more switching between apps to figure out where you stand.

We receive your transaction history and current balance — the same data you can see on your bank statement. That's it. We cannot see your nominee details, loans taken elsewhere, fixed deposits, or anything beyond basic account transactions. We do not store your net-banking password or OTPs. All data access requires your explicit consent through the regulated portal, and you can revoke it at any time directly from your bank.

Download Peble for free from Google Play, or open the web app on iOS. Early users have a chance to win lifetime free Pro access. Get started in the app today.