Your family's money, in one place.
A calm, shared ledger for households in India. Track daily spends, agree on monthly budgets, and see who paid for what—without awkward WhatsApp chats or lost paper bills.
One shared balance for the whole family
In most homes, money lives in three broken places.
A paper diary on the fridge with missing pages. A WhatsApp group where grocery bills get buried under family photos and forwards. And someone's mental math trying to remember who paid the electricity bill last month.
Paper does not sync when someone is at the supermarket. Receipts fade, totals have to be added up by hand every Sunday, and no one knows the true balance mid-month.
"Sent 1400 for milk" gets buried under good morning messages. There is no running balance, no categories, and no way to settle up without scrolling back weeks.
Built for college flatmates who divide every cup of tea 50/50. They fail in a real home where one person pays school fees, another buys groceries, and incomes differ.
Built specifically for households, not flatmates.
Three simple pillars that keep everyone informed without financial anxiety.
One shared monthly balance for the whole home.
See total household income pooled together alongside total expenses. Everyone knows whether the home is on track for the month without asking awkward questions.
- Live balance updates the moment an expense is logged
- Categorized by groceries, utilities, kids, dining, and healthcare
- Private personal spends stay outside the household pool
Invite family in 10 seconds. Assign clear roles.
No complicated sign-up links. Share an 8-character household code with your spouse, parents, or adult children. Roles keep settings organized:
Log a spend in 3 seconds. Split fairly.
Enter amount, tap category, done. Choose whether an expense is shared equally, proportional to income, or covered fully by one earner.
- On-device voice input for logging while shopping
- On-device receipt OCR scanning to capture printed supermarket bills
- Automatic settle-up math with zero arguments at month-end
Kestro Fair Split Playground
See how income-proportional splitting protects lower earners while keeping contributions 100% fair.
How it works in four steps.
Up and running in less than two minutes. No financial paperwork.
Create your household
Download the app, pick your preferred language (English or Hindi), and name your household ledger.
Share an 8-character code
Send the household code via WhatsApp or SMS. Your partner or family enters the code and joins instantly.
Log daily spends
Whoever pays for groceries, electricity, or dinner logs it. The shared balance updates for everyone in real time.
Review the month
At the end of the month, see exactly where the money went and settle up differences with one tap.
Designed for real family dynamics in India.
Every home runs money differently. Kestro adapts to your household structure.
What a real family ledger looks like in Kestro.
From daily Mother Dairy milk to monthly cook salaries and Diwali mithai pooling — everything has a calm, clear place.
How Kestro compares with existing household habits.
| Capability | Paper Notebook | Excel / Sheets | WhatsApp Group | Kestro |
|---|---|---|---|---|
| Live Multi-User Sync | No (physical only) | Clunky on phone | Yes (chat stream) | Instant Android sync |
| Monthly Running Pool | Manual calculator | Needs formula setup | None | Automatic live total |
| Ease of Use for Elders | High | Very low | High | Voice & Hindi support |
| Biometric App Lock | None | None | App-level only | Fingerprint / PIN lock |
| Family Roles (Admin vs Member) | None | Complex sheet permissions | None | 3 distinct family roles |
Your family finances belong to your family.
Money conversations are deeply personal. Kestro is engineered with strict cryptographic and operational boundaries to protect your household data.
Free to start. Transparent upgrades.
Core household expense logging is free. Subscription plans will be billed through Google Play.
Essential shared household expense logging for one family.
- 1 Household ledger
- Up to 3 family members
- Expense and income tracking
- Standard categories
- Basic monthly report card
- Biometric app lock
For active dual-earner households coordinating shared goals.
- Everything in Free
- Up to 6 family members
- Shared savings goals & settle-up
- Recurring bills & reminder schedule
- Custom expense categories
- Export ledger data (CSV/Excel)
Complete household readiness, receipt scanning, and custom roles.
- Everything in Plus
- Up to 12 family members
- Advanced roles (Admin, Earner, Member)
- On-device receipt OCR scanning
- Voice expense input
- Multi-household support
- Priority customer support
Everything you need to know.
Is Kestro a bank, NBFC, or digital wallet?
No. Kestro is a household budgeting and expense ledger. It does not hold deposits, disburse loans, issue cards, or execute bank transfers. You continue using your existing UPI apps and bank accounts.
Does Kestro automatically read my personal bank SMS messages?
No. Kestro does not read your private SMS inbox. You and your family deliberately enter what you spend, either by typing, speaking, or scanning a paper bill. We believe family finances require conscious, shared awareness.
Can other family members see my private bank balance or personal account?
No. Kestro connects to no bank accounts. Members only see what is deliberately added to the shared household ledger. Personal spends kept outside the household pool remain completely private.
How do family members join my household?
The household admin shares an 8-character invite code (e.g. KEST-7428). Family members install the app on their Android phone, enter the code, and are immediately connected with the role you assign.
Can I use Kestro on an Apple iPhone?
Not yet. Kestro is currently built Android first to deliver the best performance and affordability for households across India. We will announce iPhone support once our Android release is established.
How is our family financial data secured?
All network traffic is encrypted using TLS 1.3, and database storage is encrypted at rest using industry-standard AES-256. In addition, you can lock the app locally on your device with your fingerprint or PIN.
How does subscription billing work?
All billing is handled strictly through Google Play Store subscriptions. You can manage or cancel your subscription at any time directly through your Google Play account with zero hidden fees.
Can I export or delete our family's data if we decide to leave?
Yes. The household admin can export your full transaction ledger as a standard CSV or Excel file at any time. You can also permanently delete your household account and all associated records directly from within the app.
Bring peace of mind to your household money.
Pre-register now to receive an invitation the minute Kestro goes live on the Google Play Store.