Skip to content

Your money, answered in one line.

Vila reads your bank and card emails, reconciles every spend, and tells you in plain words whether you can afford the next thing.

See how it works

Read-only Gmail access · No bank connections · Revocable

Thu 23 Apr 2026 · IST

You can spend ₹17,200 more this April.

Spent ₹41,300 on Need, ₹18,650 on Want and ₹26,900 on Necessity, with ₹17,200 left.

Can I afford it?

Can I afford a ₹42,000 flight?⌘K

Not this month.From 1 May, yes, with ₹31,400 still free after May’s bills.

Not a dashboard.
A spreadsheet that became intelligent.

  • No confetti when you pay a bill.
  • No reward-point theatre.
  • No aggregate tiles hiding your eight cards.
  • Tabular numbers, billing-cycle truth, and a straight answer.

Vila is built for you if you already track money seriously: four banks, eight cards, EMIs, SIPs, a tax regime to pick, all kept alive in a spreadsheet because no app respects that reality. Vila is that spreadsheet, with the reconciling, projecting and answering done for you. The answer to “am I okay?” should be readable in one second.

Your inbox already knows.

Banks already email you every transaction. Vila turns that stream into a reconciled ledger and shows its work on every row.

  1. 4,812emails scanned

    Three months of history, filtered to bank and card senders only.

  2. 376transactions by regexr

    Deterministic parsers for the formats your banks always use.

  3. 41recovered by LLM fallbackl

    The odd formats regex can't read, parsed and then verified.

  4. 14duplicates removed

    The same spend seen from two emails, counted once.

  5. 403rows in your ledger

    Every row tagged with how it was read, so you can trust the parser or correct it.

An example three-month import. r = regex-parsed · l = LLM-parsed · m = manually entered; the source glyph sits on every transaction row in Vila.

Vila never connects to your bank.

That's not a limitation, it's the design. Your inbox is the source of truth, and everything Vila holds is the minimum it takes to read it.

Read-only Gmail scope

Filtered to bank and card senders. Vila never sees other mail, and it can't send any — the permission doesn't exist.

scope: gmail.readonly

No account numbers. Ever.

You enter the last four digits of each card — that's all matching needs. Full numbers are never asked for, never stored.

HDFC Infinia ··5812

Never moves money

Vila observes, projects, and answers questions. It has no rails into your accounts — there is nothing to hack into spending.

Read-only

Revocable in one click

Your account and transaction data is stored in ap-southeast-1 (Singapore), with your Gmail token encrypted using AES-256-GCM. Cut Vila's access from your Google account at any moment.

Google Account → Security → Vila → Remove access

Read-only Gmail scope · Gmail token encrypted AES-256-GCM · Account and transaction data stored in ap-southeast-1 · By design, not by policy.

Depth your spreadsheet had. Answers it didn’t.

Dense, numeric, billing-cycle aware. Every screen is the view a spreadsheet person expects, with the reconciling already done.

Next 15 days

23 Apr – 7 May
  1. 23
  2. 24
  3. 25
  4. 26
  5. 27
  6. ₹38.9kHDFC
    28
  7. 29
  8. 30
  9. ₹32kRent
    1
  10. 2
  11. ₹12.4kAxis
    3
  12. 4
  13. ₹15kSIP
    5
  14. 6
  15. 7
Card bills · 15 days₹ 51,350
Fixed · 15 days₹ 47,000
Safe to spend₹ 17,200

Card bills

8 cards
  • 28 AprHDFC Infinia··5105Tue₹ 38,940
  • 3 MayAxis Atlas··2291Sun₹ 12,410
  • 12 MayICICI Amazon Pay··8834Tue₹ 6,215
  • 18 AprSBI Cashback··4417Paid₹ 9,870

4 more cards, every billing window tracked.

Financial health

B+

2 parameters, rescored from your accounts

  • Emergency Fund4.2 monthson track
  • Credit Discipline22%on track

Be early. Your spreadsheet can finally retire.

Vila opens to the waitlist first: a small group with too many cards and strong opinions. That might be you.

Built in India, for Indian money.