Zero-based budgeting · iOS
Samya — India's First Zero-Based Budgeting App for iOS
Give every Rupee a job. Privacy-first, 100% offline personal finance built for Indian users.
First month free, then ₹99 a month
How it works
Plan first. Spend after. End at zero.
- IncomeStart with what you earn this month.
- AssignGive every Rupee a job: bills, EMIs, spends, savings.
- ZeroIncome minus plan equals zero. Nothing left unplanned.
Why Samya
Budgeting that respects your privacy.
- 01
Offline, on your iPhone
Your budget lives on your device in SwiftData. Samya works with no internet connection, and there are no servers holding your money data. Optional daily backups go to your own iCloud Drive.
- 02
No SMS reading. Ever.
Samya never asks to read your SMS, emails or bank statements. You stay in control of what goes in, and nothing about your finances leaves your phone for us to see.
- 03
Built for INR, UPI and EMIs
Plan in Rupees, log everyday UPI payments in a tap, and budget for EMIs and card bills before they land — the way money actually moves in India.
- 04
Monthly savings goals
Treat savings as a job, not leftovers. Assign Rupees to goals at the start of each month and watch them fill up as the month goes on.
Questions
Good to know
What is zero-based budgeting?
Zero-based budgeting (ZBB) means planning every Rupee of your income before you spend it, until income minus your plan equals zero. Money isn't left idle — it's assigned to bills, EMIs, everyday spending or savings.
Does Samya read my SMS or connect to my bank?
No. Samya doesn't read SMS, emails or bank statements and doesn't connect to your bank. You add transactions yourself, which keeps your data private and keeps you aware of every Rupee.
Where is my data stored?
On your iPhone. If you turn on automatic backup, daily backup files are saved to your own iCloud Drive. Naturally Stupid has no access to either.
How much does Samya cost?
Your first month is free. After that, Samya is ₹99 a month — no ads, no tracking and nothing sold, ever.
When is Samya launching?
Samya is coming soon to the App Store for iPhone. Request early access below and we'll let you know the moment it's live.
Give every Rupee a job.
First month free, then ₹99 a month