What most finance apps skip
Built for money that doesn’t show up in a bank feed.
Most apps stop at transactions. Perovo covers the household money that’s easy to lose track of.
Lending
Loan agreements you can export
Every lend or borrow deal can produce a shareable loan agreement (PDF / print) — plus WhatsApp follow-ups when payments slip.
Budget apps log a transfer. Perovo keeps the agreement on record.
Chit funds
Chit funds, as first-class money
Commitments on Bills, registration-number tips, and planners for auction timing — not a footnote in “other expenses.”
Almost no consumer finance app tracks chits at all.
Ownership
Net worth shaped for India
Property, gold, FDs, SIPs, loans, and instruments in one ledger — with optional locality estimates for property values you already track.
Most apps show a number. Perovo shows the holdings behind it.
Emergency
Emergency Mode
A shareable, read-only view of critical financial info — for when someone else needs it and you can’t walk them through it.
A feature almost no consumer finance app builds for.
Local-first
Your data stays on your phone
Works offline by default. Optional Pro cloud backup — restore is manual, never a silent overwrite of what you already entered.
Built as a phone-first OS, not a cloud spreadsheet with a login.
India
Tools and languages that fit
EMI Lab, tax and retirement planners, 23 languages (English + 22 Indian), and pressure insights from the records you keep — not a US expense clone.
Designed for how money actually moves in Indian households.