VetanSetu
NEW Split bills with friends & groups

Know what's left of your salary. Every day.

वेतन से महीने के आख़िरी दिन तक, एक पुल।

VetanSetu turns your salary into one clear number: what you can spend today and still reach the last day of the month. No spreadsheets, no guilt.

Get it on Google Play See how it works

Free to download. Android only for now.

No bank login needed No SMS reading Delete your data any time
9:41
VetanSetu
October 2026
Left to spend, Asha
₹53,450
6 days left in October
In account ₹53,450
6days left
₹8,908Per day amount you have
What to do now · tip 1 of 4

Home & Bills is at 84% of its planned ₹22,000. Only ₹3,500 is left. Go easy there.

See plan

Try it: add a spend

Sound familiar?

Salary day feels rich. Day 20 feels broke.

It's not that you earn too little. It's that nobody tells you, day by day, how much is actually safe to spend.

Salary 1 tareekh ko aayi, 20 tak account khaali. Paisa gaya kahan?

Small spends add up quietly. By the time you check the balance, the month is already gone.

One daily number: what's safe to spend today.
EMI kat gayi aur card ka bill bhi aa gaya. Yaad hi nahi tha.

Fixed deductions hit on their own dates and wreck a month that looked fine on paper.

EMIs, SIPs and card bills counted before they land.
Goa trip ka hisaab abhi tak pending hai. Kaun kisko kitna dega?

Shared bills turn into WhatsApp math, screenshots and awkward reminders.

Groups that split, track and settle for you.
The idea

Vetan is your salary. Setu is the bridge to month end.

Your salary lands on one day and has to last the whole month. VetanSetu takes it, subtracts EMIs, savings and card bills, and walks the rest across every remaining day. Each day you see how far you've crossed and what's left.

Keep scrolling to walk the month

How it works

Set up once in five minutes. Check one number a day.

1

Tell it about your month.

Add your salary and the date it comes in. Then the fixed stuff: EMIs, SIPs, rent, credit card bills. Add once, and they repeat every month.

  • Salary can be added automatically on its date
  • Money from other sources goes in "Add money"
  • Skipped an EMI? Mark it paid later
This Month screen with Add spend, Add salary and Add money buttons
2

Give every category a plan.

Food, travel, shopping, home and bills. Set what each one should cost this month. The ring shows how much of the plan is already gone.

  • A warning before a category crosses its limit
  • Raise a plan in one tap if you really need to
  • A tip for the day on what to watch next
Plan versus reality ring showing 60 percent of the month's plan already spent
3

Open it, see one number, live your day.

"Left to spend" and "per day amount you have" update with every spend. Add a spend by voice, from a payment screenshot, or by typing.

  • Hold Add and say "200 chai"
  • Pick a UPI screenshot and it reads the amounts
  • An evening nudge so nothing gets missed
Home screen showing 53,450 rupees left to spend
Features

Everything a salary month needs.

Say it, don't type it

Hold Add and say "200 chai" in English or Hinglish. Check, tap Yes, done.

Screenshots & statements

Pick a UPI screenshot, receipt or bank statement. The amounts fill in for you.

EMIs, SIPs, card bills

Add them once. They show up ahead of time, so "left to spend" tells the truth.

Split with groups

Trips, flats, dinners. See who owes whom and settle up. Group chat is end-to-end encrypted.

Reminders that help

An evening nudge to add today's spends, and a heads-up when an EMI or bill is due.

40 currencies

Choose yours once. Every amount, chart and voice entry uses it.

Hide amounts, lock the app

One tap hides every number when someone is sitting next to you.

Your data follows you

Sign in with email on any phone. A new phone loses nothing.

Groups & split

Split it. Settle it. Stay friends.

Add who paid and who was there. VetanSetu works out the fewest payments to make everyone square. Try it below with a sample trip.

Goa trip4 people · ₹0 spent
Paid by
Split between
Enter an amount to see each person's share.

Balances

Settle up

    Activity

      Privacy & trust

      Your money talk stays yours.

      VetanSetu asks for as little as it can and says plainly what it keeps. Read the privacy policy.

      🇮🇳 Made in Kota, India ✉️ info@vetansetu.com
      No bank login, no UPI PINYou never connect your bank account. VetanSetu can't move your money.
      No SMS or notification readingPayments are added only when you pick a screenshot, receipt or statement yourself.
      Group chat is lockedMessages are end-to-end encrypted. The server stores only locked text.
      Encrypted, and deletableYour entries are encrypted on our servers in India. Delete your account and its data any time.
      Questions

      Before you download.

      Do I have to connect my bank account?
      No. VetanSetu never asks for your net-banking login or UPI PIN. You add spends yourself, by voice, by typing, or by picking a payment screenshot.
      Does it read my SMS or notifications?
      No. Nothing is read in the background. A payment only gets added when you choose to add it.
      What if I change my phone?
      Sign in with the same email on the new phone and everything is there: spends, plans, EMIs and groups.
      How does group split work?
      Create a group, add friends, and add each expense with who paid and who was part of it. VetanSetu keeps a running balance and shows the fewest payments needed to settle. Mark a payment as settled when it's done.
      Is it free?
      VetanSetu is free to download. If an optional paid plan applies to a feature, the price is shown clearly in the app before you pay anything.
      Can I delete my data?
      Yes. Use Settings → Delete account in the app, or the delete account page. Your account and its data are removed.
      Is there an iPhone app?
      Android only for now. Follow @vetansetu on Instagram to hear when iPhone is ready.

      Cross the month with a number you trust.

      Download VetanSetu and set up your salary in a few minutes.

      Get it on Google Play Follow @vetansetu

      Free to download. Android only for now.