Your money disappears before month-end. DigiKhata stops it before it happens.
DigiKhata reads transaction behaviour like a coach: when you spend, where it repeats, and which moment is likely to break the month before your balance does.
Live coach view
Riya, 24, Bengaluru
17 days
At current pace
Rs 6,200
If habits continue
Swiggy after 10 PM
Rs 4,110
Myntra salary-week carts
Rs 4,529
Blinkit impulse baskets
Rs 3,360
Amazon electronics drift
Rs 6,140
Coach nudge
Move Rs 3,000 to savings today and cap food delivery at Rs 450 for the next 5 nights.
Behaviour engine
Scores late-night orders, salary-week spikes, delivery loops, and weekend carts from real transaction rhythm.
Month-end forecast
Projects budget pressure from the first few days of spending, not a stale report after rent is due.
Nudge layer
Turns risky moments into coach cards: pause the cart, cap dinner delivery, move cash to savings.
Old money apps
Month-end reports arrive after the damage.
First salaries bring freedom, rent, subscriptions, delivery habits, and impulsive carts. Traditional trackers only show the damage once the month is already tight.
DigiKhata
Behaviour alerts show up while choices still matter.
The app watches spending rhythm, not just totals, and turns risky moments into predictions, category warnings, and concrete budget moves.
A coach feed, not a report graveyard.
The demo flow ingests a CSV or scraped order page, then produces risk scores, merchant pressure, danger hours, and next-best spending moves.
Start analysisTonight, 10:40 PM
Swiggy
Third late dinner this week. Set a Rs 350 cap?
Salary + 3 days
Myntra
Cart is 2.1x your normal weekday spend.
Sunday evening
Amazon
This purchase pushes the month forecast above budget.