Consumer Products · Module
Personal Finance
Consent-based budgeting through a licensed Account Aggregator partner. Information only
An add-on to One3 Personal or Household OS for read-only budgeting: consent-based account linking, categorisation with explanations, budgets, goals, subscription detection and household sharing. It gives information, never investment advice.
What it does
Personal Finance is planned to help individuals and households see and plan their money. Accounts link through India's Account Aggregator framework via a licensed Financial Information User partner. Transactions are categorised with an explanation on every row, budgets run in envelope or flexible mode, goals track progress, recurring charges and subscriptions are detected, and partners or household members can share selected accounts.
The catalog describes it as read-only budgeting via a licensed partner. It is an add-on to One3 Personal or Household OS, delivered as a partner service, and planned for W6. It will not enter a sprint until a licensed partner route is signed and counsel has signed off (verify).
Consent you can see and revoke
Before linking, the user sees the purpose, the financial data types, the date range, fetch frequency and expiry. Approval happens in the Account Aggregator flow with OTP. The consent status is tracked, and the user can revoke from One3 or the Account Aggregator at any time. On revoke, fetching stops and fetched data is deleted or kept according to the user's choice and the purge policy.
There is no SMS, email or notification scraping for financial data. Statement uploads in CSV, OFX or PDF are supported with a parsing preview; a password-protected PDF is opened only with the password the user types, which is never stored.
Information, not advice
The money assistant answers questions about the user's own spending, budgets and goals with transaction citations. It refuses recommendations to buy, sell or switch financial products and explains why, offering an adviser access grant or general education content instead. Calculators are arithmetic only, statutory rates come from rule facts rather than a model, and no product or fund is named.
One3 will not build spending-behaviour scores of individuals, creditworthiness inference, any prediction about a minor, or a "financial health score" that could be read as advice.
Household sharing
Each account can be shared, balance-only or private. Household spaces get shared budgets and goals, and transactions can be matched to Household OS bills to mark them paid after confirmation. At GA, contribution tracking shows who owes whom as records only.
The regulatory points on this page, including Account Aggregator and SEBI investment-advice rules, are pointers to verify with counsel, not legal advice.
Features
What Personal Finance includes
Finance setup and notice
Enable in a personal or household space with a plain-language notice of purpose, partner, data categories, retention and no ads, no data sale.
Account Aggregator linking
Consent request through the licensed FIU partner showing purpose, data types, date range, fetch frequency and expiry; approval in the AA flow; revoke any time (verify).
Manual accounts and statement uploads
Cash and manual accounts; CSV, OFX and bank statement PDF upload with parsing preview and confirmation; PDF passwords never stored.
Transactions
Search and filters, auto-categorisation with an explanation (rule, merchant or model), merchant normalisation, splits, notes, tags and transfer detection between own accounts.
Category rules
User rules by merchant, amount range, account or text, applied to future and optionally past transactions.
Budgets
Envelope (zero-based) and flexible modes with monthly periods, rollover options and category groups.
Goals
Target amount and date with tracked accounts or manual contributions, showing progress and the required monthly amount by arithmetic only.
Recurring and subscriptions
Recurring series detection and a subscription list with amount, frequency and last charge, plus a cancel checklist using the merchant's own route. No automatic cancellation.
Cash flow and net worth
Income versus spending by month, balances from linked accounts, manual assets and liabilities, and net worth over time.
Household and partner sharing
Per-account visibility of shared, balance-only or private, with shared budgets and goals in household spaces.
Bill matching
Match transactions to Household OS bills and mark them paid with evidence after the user confirms.
Alerts and app lock
Budget threshold, large transaction, low balance, consent expiring and fetch-failure alerts; biometric lock and hidden-balances mode on mobile.
Import from other tools
CSV exports from YNAB, Monarch, Actual Budget and Firefly III with category mapping (verify formats).
Adviser access, debt tracker and calculators
Planned for GA: read-only, time-bound sharing with an adviser or CA the user names; loan and EMI tracking; information-only planning calculators labelled not advice.
Workflow
Monthly budget cycle
- 1
At period start, rollover rules apply.
- 2
Income is assigned to envelopes or flexible targets are set.
- 3
Transactions arrive and are categorised.
- 4
When a threshold is reached, an alert offers the option to move money between envelopes.
- 5
At period end, a summary shows goal progress and a subscriptions review.
Workflow
Advice guardrail
- 1
The user asks the money assistant a question.
- 2
A classifier decides whether it is an information question or a product recommendation.
- 3
Information questions get an answer with transaction citations.
- 4
Recommendation requests are refused with an explanation and an offer of an adviser access grant or general education content.
- 5
Uncertain cases get only the factual parts answered and are logged for evaluation review.
AI
AI skills and Digital Employees
Transaction categorisation
Categorises and normalises merchants with an explanation on every row.
Recurring and subscription detection
Time-series pattern detection, not an LLM, including price-change detection.
Money assistant
Answers about the user's own money with citations and refuses product recommendations with an explanation.
Statement parsing
Parses CSV, OFX and PDF statements into a preview the user confirms.
Bill matching
Proposes matches between transactions and Household bills for confirmation.
Cash-flow outlook
Arithmetic projection from recurring series and scheduled bills, labelled as an estimate.
Digital Employees that use this module
- Money Assistant
They act through the same governed Actions as people; risky steps wait for approval.
Frequently asked questions
Does Personal Finance read my SMS to track spending?
No. There is no SMS, email or notification scraping. Accounts link through Account Aggregator consent via a licensed partner, or you upload statements yourself.
Will it tell me which fund or card to choose?
No. Personal Finance is information only. The money assistant refuses product recommendations and explains why, and calculators never name a product.
Can I stop sharing my bank data?
Yes. You can revoke consent from One3 or from the Account Aggregator at any time. Fetching stops, and fetched data is deleted or kept according to your choice and the purge policy.
Can my partner see all my accounts?
Only what you choose. Each account can be shared, balance-only or private.
When will Personal Finance be available?
It is planned for W6 and only after a licensed partner route is signed and counsel has signed off on the regulatory points.
See Personal Finance in your workflow
Tell us about your team and the outcomes you want. We will walk you through the apps, the Digital Employees and the plan for your industry.