Most finance apps make you hand over bank login credentials before they'll track a single rupee. A to Z Finance doesn't ask for that. Log expenses by pasting a bank SMS or UPI text, uploading a CSV/XLS statement, or typing manually — it reads Indian bank formats (tested against real HDFC statements) and auto-categorizes from your own history. Multi-user with real data isolation, no shared logins. Built by one person managing his own money, not a startup selling your data.
