Know what is due,
before it is late.
EMIs, rent, school fees, credit card bills, insurance premiums. gocrd turns the month into one checklist — and handles the messy reality of paying part of something and carrying the rest forward.
Free forever plan · No card needed to start
Budgeting apps assume you pay the full amount, on time, every time
Real months do not work like that. Rent is ₹10,000 but this month you pay ₹6,000 and settle the rest next month. The electricity bill is higher than expected. The credit card statement amount is not knowable until the statement actually generates.
Most personal finance apps model a bill as paid or unpaid. The moment you pay part of it, they either mark it paid and lose ₹4,000, or leave it unpaid and lie about your outstanding. Neither is useful, and after two months of that people stop opening the app.
The other failure is categorisation-first design. Apps built around pie charts of where your money went are looking backwards. What an Indian household actually needs to know on the 3rd of the month is simpler and more urgent: what is due, how much, and have I paid it.
What you get
Partial payments that add up correctly
Pay ₹6,000 of a ₹10,000 bill and gocrd records exactly that — the original is marked partially paid, and a new ₹4,000 entry is created for next month, labelled so you know where it came from. Your outstanding stays true.
Carry-forward with a traceable history
Every carried-forward amount links back to the original bill, so you can always answer "why do I owe this?" — even three months later, and even if it has been carried more than once.
Credit cards handled honestly
You cannot know a card statement amount in advance, so gocrd does not pretend. The bill appears with no amount and asks for it when you pay, instead of guessing a number that makes your month look wrong.
EMIs with a real balance
Record the loan total and interest, and gocrd tracks instalments paid and the balance remaining — so you know how many months are left, not just what is due this month.
The month as a checklist
Due, partially paid, and paid. Colour-coded by urgency: overdue in red, due within five days in amber, everything else calm. Two taps from opening the app to knowing where you stand.
Set it once, it repeats
Rent, EMIs and subscriptions are set up once as a schedule. Each month gocrd generates that month’s bill automatically, including awkward cases like a monthly payment starting on the 31st.
Written for rupees and Indian billing
Amounts are formatted the Indian way — ₹1,50,000, not ₹150,000 — everywhere, including exports. Small thing, but it is the difference between a tool that feels local and one that feels translated.
Frequencies match how Indian bills actually arrive: monthly, quarterly, half-yearly, yearly, and custom intervals for the ones that follow no standard at all.
And the end-of-month problem is handled properly. A monthly payment starting on the 31st does not silently skip February — gocrd resolves it to the last day of the month, which is how lenders bill.
Common questions
- What happens if I pay only part of a bill?
- You enter what you actually paid. gocrd marks the original bill as partially paid, then creates a new entry for the remainder on the next due date, labelled so you can see it was carried forward. Your total outstanding stays accurate instead of rounding to paid or unpaid.
- Can it track my home loan or car loan EMI?
- Yes. Record the loan total, interest rate and number of instalments, and gocrd tracks how many you have paid and what balance remains — alongside the monthly due date reminder.
- How does it handle credit card bills where the amount changes?
- The bill is created without an amount, because a statement amount is genuinely unknowable in advance. When the statement arrives you enter the figure at the moment you mark it paid. No estimates, no fake numbers in your monthly totals.
- Does it connect to my bank account?
- No, and that is deliberate. gocrd never asks for banking credentials or read access to your accounts. You record what you owe and what you paid. Nothing about your money leaves your control.
- What about a monthly bill that starts on the 31st?
- It resolves to the last day of each month, so February gets the 28th or 29th rather than being skipped. This is the single most common date bug in recurring-payment tools, and it is handled explicitly.
- Can I export my data?
- Yes. You can download everything as a spreadsheet or JSON at any time. It is your data and there is no lock-in.
More in gocrd
Family health records
Prescriptions, reports and medicines, kept separately for each family member.
Read more →Subscription tracker
Domains, software and subscriptions — with renewal costs flowing into your month.
Read more →Document vault
Aadhaar, PAN, policies and passwords, encrypted with a PIN only you know.
Read more →Start today, free
Set it up once. It keeps working quietly in the background.
Start free