ObsyMint Goals is a personal finance app for Android that helps you plan a monthly budget, track loans and EMIs, plan school fees, and save toward goals. You enter your own numbers, they are encrypted on your phone, and the app never asks for your bank login.
The money picture for many households
A month often mixes fixed and flexible costs, plus a few payments that only come around once a year:
- Rent or home costs, groceries, transport and utilities.
- EMIs on a home, vehicle or personal loan.
- School fees and tuition costs.
- Yearly payments such as insurance premiums, and spending you can see coming, like travel or festivals.
Set it up in a few minutes
- Set a PIN and pick Indian rupee (INR) as your currency.
- Add your monthly income.
- Add a budget line for each regular cost.
- Add each loan, then log every EMI as you pay it and watch your payoff progress move.
- Add insurance premiums and other yearly payments as bills, so you get a nudge before they are due.
- Turn school fees or a big purchase into a goal with a target and a date.
Private by design
There is no account to create and no bank login. Everything you enter is encrypted on your phone with AES-256 and is never uploaded to a server. You unlock the app with a PIN, Face ID or fingerprint.
Free to start
ObsyMint Goals is free to use, with ads. Pro is a one-time upgrade that unlocks unlimited Goals, Loans & Bills and Smart Calculation, and removes ads. It is never a subscription.
Related guides
Learn how to plan a monthly budget, or see how the bill and loan tracker works.
Common questions
Can I use rupees?
Yes. ObsyMint Goals supports Indian rupees (INR), along with the currency of every other country. You pick it when you set the app up.
Can I track EMIs?
Yes. Add a loan and follow it down to its last payment, logging each payment as you make it. Your payoff progress moves with every entry.
Do I need a bank login or an account?
No. There is no sign-up and the app never asks for your bank login. You enter your own income and spending.
Is my data uploaded anywhere?
No. Everything stays on your phone, encrypted with AES-256. Backups are password protected and you choose when to make them.
Is it free?
Yes. It is free to download from Google Play, with ads. A one-time Pro upgrade unlocks unlimited Goals, Loans & Bills and Smart Calculation, and removes ads. There is no subscription.