Frequently asked questions
What Glass Money does today, what it deliberately does not do yet, how your data is handled, and what it costs while you get started.
Glass Money is an automatic expense tracker for India. When transaction alert emails from your banks, UPI activity and card issuers reach your inbox, it turns them into a categorised view in one place — with monthly trends and per-bank breakdowns. It is not a Gmail app; tracking comes from the alerts banks already send. Because we handle financial data, we get a lot of (rightly) careful questions — these are the honest answers, including the ones about features that are still upcoming.
If your question is about a specific area, the deep-dive pages on track UPI, banks, and joint accounts in one place, expense tracker without SMS (India), UPI expense tracking and categories and spend trends go into more detail. For missing transactions, coverage meaning, re-sync, and requesting issuer support, see coverage help. Our family expenses and investment tracking pages explain what is upcoming there — neither is in the product today.
Who runs Glass Money and what can it see?
Who. Glass Money is built and run by Vaibhav Arora, an independent developer. For support, email support@glassmoney.app, or use Help & feedback in Account (app and signed-in web).
Gmail. Glass Money asks Google for read-only Gmail access. It can't send, delete or change your mail. It only searches for and fetches emails from known bank, card and investment senders — it doesn't open your other mail.
Never asked for. We never ask for your net-banking password or UPI PIN. Locked statement or CAS PDFs may use a PDF password or the PAN you save under Account → Personal details — never your bank login.
Leaving. In the app or on the web, go to Account → Data & privacy → Delete account. You'll confirm before anything is deleted. To keep your account but stop Gmail access, disconnect it in Account → Connected inboxes or remove it in your Google account permissions.
What is Glass Money?
Glass Money is a personal finance app built for India. It puts UPI, banks, cards, and joint accounts in one place by reading the alert emails your issuers already send (read-only). Live today: auto tracking, editable categories, monthly trends, per-bank view, Net worth (CAS mutual funds, loans and liabilities), Recurring, and Insights. Upcoming: Outlook not yet for everyone, Account Aggregator, family view, and adaptive budgets. Available on Android (Google Play as Glass Money: Expense Tracker, package com.paisewise), and the web at /home.
Is there an expense tracker without SMS permission for India?
Yes. Glass Money tracks UPI and bank spends in India without SMS permission. Automatic tracking uses read-only bank and card alert emails your issuers already send — not SMS access. Live today: auto tracking, editable categories, monthly trends, per-bank view, Net worth (CAS mutual funds, loans and liabilities), Recurring, and Insights. Available on Android (Google Play), and the web at /home.
How does Glass Money track spending from bank and card alert emails?
Banks and card issuers email transaction alerts for many debits, including UPI. You sign in with Google and grant read-only access to alert mail from known senders. Glass Money turns supported alerts into categorised activity in one place. It cannot send, delete, or modify mail, and it never asks for a bank password or UPI PIN.
Do I need to import CSVs or statements every month?
No. Once your inbox is connected, bank and card statements come in automatically from Gmail — no upload needed — and you do not import CSVs every month. Mutual-fund CAS PDFs can be uploaded under Net worth. If an alert never arrived, add the activity manually after checking your own bank records.
Can Glass Money track UPI, banks, and joint accounts in one place?
Yes. Glass Money is built to put supported UPI, bank, card, and joint-account activity in one place from alert emails. Joint accounts appear in your own signed-in view when you are an account holder or authorized to process that account's activity. A shared family workspace is upcoming and is not available today.
Does Glass Money need a bank login or UPI PIN?
No — see Who runs Glass Money (/faq#who-runs-glass-money) for credentials we never ask for; there is also no bank account to link, and Account Aggregator is upcoming and not in the product today.
Is Glass Money free?
Glass Money is free to use while you are getting started. Paid plans may come later; if they do, prices and plan features will be shown before you pay, and the refund terms are in our terms of service.
Which banks and cards does Glass Money support?
Glass Money reads transaction alert emails from major Indian issuers including HDFC, ICICI, Axis, SBI, SBI Card, Kotak, IDFC FIRST, Yes Bank, PNB, Bank of Baroda, IndusInd, American Express India, OneCard, and HSBC India, and more as formats are verified. Known alert formats are parsed with built-in templates, and anything unrecognised falls back to an AI extraction step. See the coverage matrix on supported banks for curated versus domain-sweep notes, and https://glassmoney.app/help/coverage for missing-transaction honesty. Glass Money does not connect to bank accounts — it only reads the alerts those banks send you.
Which platforms is Glass Money available on?
Glass Money is live on Android (Google Play as Glass Money: Expense Tracker, package com.paisewise), and the web at /home. Sign in with Google on any platform. Public marketing uses com.paisewise only; com.glassmoney.app is not a public install target.
Does Glass Money connect to my bank accounts through Account Aggregator?
No. Account Aggregator connections are not built. Glass Money has no live link to your accounts and cannot see balances — everything it knows comes from the transaction alert emails your bank and card issuers already send. Regulated read-only account links are on our roadmap, but they are not in the product today.
Can I track family or household expenses with Glass Money?
Not today. One signed-in user can include a joint account when they are an account holder or authorized to process its activity, but there is no shared family or HUF workspace, member access, household total, or per-member privacy control.
Can my partner and I both see our joint account?
Yes, separately. Each holder adds the joint account in their own Glass Money view: mark it Joint on the Financial coverage screen and confirm you are an account holder or authorized to process its activity. Each view shows the activity whose alert emails reach that person's connected inbox. There is no shared household view yet; it is on the roadmap.
Can Glass Money track investments like mutual funds, stocks, FDs or PPF?
You can declare investment and liability account slots in Financial coverage (mutual fund folio, demat, NPS, EPF, PPF, fixed deposit, loan, insurance, and other manual assets) without broker or lender credentials. Declared-only slots show honest coverage freshness — Declared with Declared · no live feed — not a green Active chip or a fake Syncing state. Fixed deposits stay under the funding bank and roll up in Investments. Mutual-fund CAS statements from CAMS, KFintech, CDSL, and NSDL import automatically from connected Gmail; locked PDFs need your PAN saved so Glass Money can unlock them. Live broker holdings sync and Account Aggregator links are not day-1. Spending tracking from alert emails remains the primary live path.
Which account types does Glass Money support, declare, or leave unsupported?
Glass Money account slots (no broker, UAN, or lender credentials): ✅ Savings / current: Alert email when the issuer emails; declare if missing. ✅ Credit / debit cards: Alert email when the issuer emails; declare if missing. ✅ Wallet / prepaid / FASTag: Under the issuer bank folder when alerts exist. 🛠️ Mutual fund folio: Declare a slot — no broker login. CAS/AA may fill later. 🛠️ Demat / brokerage: Declare without credentials; no live holdings sync yet. 🛠️ NPS: Manual slot; no CRA credentials. 🛠️ EPF: Manual slot; no UAN/OTP. 🛠️ PPF: Manual slot under funding bank institution. 🛠️ Fixed deposit: Under funding bank; rolls up in Investments — not a separate bank. 🛠️ Loan: Declare liability slot; no lender credentials. 🛠️ Insurance policy: Declare policy slot; no insurer login. 🛠️ Other manual asset: Catch-all declared asset without inventing a feed. ⛔️ Recurring deposit: Not a coverage slot yet — keep under the funding bank account. ⛔️ Crypto exchange: Not supported — no exchange credentials or invented balances. ⛔️ Account Aggregator live link: Not day-1. Slots stay declare-honest until AA attaches. Declared-only slots use honest coverage freshness (Declared · no live feed) — never a green Active chip or a fake Syncing state. Fixed deposits stay under the funding bank institution and roll up in Investments.
How does Glass Money track UPI spending automatically?
A UPI payment made from Google Pay, PhonePe, Paytm or a bank app still debits a bank account, and the bank emails a transaction alert for it. Glass Money reads that alert, so the spend is captured no matter which UPI app you paid from — no manual entry, no screenshots, no SMS forwarding.
Can I change how a transaction is categorised?
Yes. Glass Money ships with built-in categories and lets you create your own. You can recategorise a single transaction or a batch of them, and the change persists — the categories stay yours.
Do transfers between my own accounts or credit card bill payments count as spending?
No. Credit card bill payments (including CRED) and transfers Glass Money recognises between your own accounts stay out of tracked spending; you can review them in the app under Filters → Type → Excluded. If something lands wrong, open the transaction in the app and switch Tracked spending on to count it as spend, or off to hide it from spend. Your choice sticks across inbox re-syncs.
Can Glass Money track credit card lounge or fee-waiver spend targets?
Not as targets. Glass Money doesn't store any bank's milestone, lounge, or fee-waiver rules, and it doesn't decide which spends qualify. To see one card's tracked spend, filter Transactions in the app by that card under Filters → Account and pick a custom date range that matches your billing cycle. That total only includes spends your issuer sent an alert email for, so check your progress against your card's own terms and statement.
What if my bank never emailed an alert for something?
Compare your Glass Money activity with your own bank records, then add missing activity manually after checking for an existing entry. Bank and card statements come in automatically from Gmail — no upload needed. Mutual-fund CAS PDFs can be uploaded under Net worth. For a fuller checklist on missing transactions, coverage meaning, and re-sync, see https://glassmoney.app/help/coverage. You should not treat Glass Money as the sole record for taxes or disputes.
Is my financial data safe with Glass Money?
Glass Money asks Google for read-only Gmail access (gmail.readonly). It can't send, delete or change your mail. It only searches for and fetches emails from known bank, card and investment senders. Mail goes Google → our servers. Glass Money only uses email content to power product features (alerts → transactions / statements), not for ads, sale, or training generalized models. We cannot move money and we do not sell your data. Our privacy policy sets out exactly what is stored, how long it is kept, and how to delete it.
Can I export my data for taxes or record-keeping?
Glass Money organises your spending inside the app today. Dedicated tax or filing exports are not available. Because extraction depends on the emails your bank sends, you should not treat Glass Money as the sole record for taxes or disputes.
Is Glass Money a Gmail app?
No. Glass Money is a personal finance app for India. Tracking comes from the bank, UPI, and card alert emails your issuers already send. Read-only access to alert mail is how Glass Money imports those alerts today; Outlook is not yet for everyone, and other inboxes are not built yet.
My bank alerts go to Outlook or Yahoo. Can I use Glass Money?
Not yet for everyone. Today Glass Money connects a Google (Gmail) inbox. Outlook is not yet available for everyone, and Yahoo and other inboxes are not built yet. If your alerts go elsewhere, leave your email on the homepage and we'll let you know when another inbox is supported.
How is Glass Money different from other expense trackers?
Glass Money is built as a better personal finance app for India: UPI, many banks, and joint accounts in one place, without asking for SMS permission. Tracking comes from bank, UPI, and card alert emails (read-only), not from SMS. Live today: auto tracking, editable categories, monthly trends, per-bank view, Net worth (CAS mutual funds, loans and liabilities), Recurring, and Insights. Upcoming: Outlook not yet for everyone, Account Aggregator, family view, and adaptive budgets.
Can I connect Glass Money to Cursor or another AI client (MCP)?
Yes. Glass Money exposes an MCP endpoint so clients like Cursor or Claude Desktop can query your own Glass Money data (spend summaries, transactions, wallets, and related tools). Preferred: add https://glassmoney.app/api/mcp in the client and use Authorize / OAuth (sign in on glassmoney.app, Allow MCP access). Fallback: sign in on the web, open /api/mcp/token in the same browser, paste the bearer into mcp.json. Use /api/mcp as the Streamable HTTP URL — /mcp on the site is the human walkthrough. The token only unlocks your own account. Step-by-step notes: /mcp. Marketplace plugin is not published yet. Anyone can connect Gmail in the app; Google may show an unverified-app screen you can continue past (Advanced → Go to glassmoney.app). If sync looks empty after auth succeeds, reconnect Gmail in the app or contact support.
My AI client shows no Glass Money data, or I get a 401. What should I check?
First confirm the product path: create/sign in on glassmoney.app, connect Gmail in the app, wait for sync, then connect MCP at https://glassmoney.app/api/mcp (OAuth Authorize preferred, or mint a fresh token at /api/mcp/token). A 401 almost always means the bearer expired or OAuth needs to be re-run — Authorize again or re-mint and paste the new token. Empty results usually mean Gmail is not connected or sync has not finished — that is not an MCP bug. Full connect steps: /mcp. For help, email support@glassmoney.app with the Google account you use.
Want more detail? Read about expense tracker without SMS (India), track UPI, banks, and joint accounts in one place, automatic UPI expense tracking, missing transactions and coverage, categories and spend trends, or the full list of what is live and what is not.
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