Changelog

Your spending history is some of the most personal data you have. You should be able to take it with you, or make it disappear, without writing to anyone.

Export everything

Account → Your data → Export my data downloads a single file with every expense, income, category, box, recurring rule and chat message Blipko holds for you. Sign-in credentials are never part of it.

Delete your account

Delete account on the same card erases you completely: every expense, message and raw log, along with the account itself. There is no grace period and no "we keep a copy" — once you confirm, it's gone. Export first if you want a record.

The assistant stays in its lane

Ask the bot which fund or stock to buy and it will now say plainly that it isn't a registered adviser. It can still tell you exactly what you've saved; for investment advice it points you to a SEBI-registered investment adviser.

Most money summaries reset to zero every month. You read them, resolve to "be more careful", and next month starts from scratch. The cycle report now carries a thread from one cycle to the next.

What was unusual

Alongside the biggest movers, the report names any category that ran at least double its usual — measured against the last few cycles, not just the one before — so a one-off jump in food delivery stands out from your normal rhythm. Small amounts are ignored; ₹40 becoming ₹120 is not news.

One thing to change

Every report now ends with a single, concrete suggestion: bring an unusual category back toward its usual, keep a bucket within a daily figure, or move a savings shortfall on payday. One, not five.

Did it work?

The next report checks that suggestion and tells you plainly: done, or what it came in at. No storage, no streaks — it is worked out from your own records.

One tap: how clear does it feel?

Right after the report, one question: how sure are you about where your money went? Tap 1 to 5. It's how we find out whether Blipko is actually making things clearer.

Kinder wording

"Leaks", red crosses and "overspent" are gone. An overrun now reads as "₹1,200 past budget" — the same fact, without the guilt.

A report at the end of the month tells you what already happened. The check-in is the moment you can still do something about it, so it now says more than a percentage.

When will it run out?

If your Wants spending so far would empty the bucket before payday, the check-in says so with a date: "At this pace 🎯 Wants runs out around 23 Jun." It waits until the third day of the cycle and stays quiet when you're on track. Needs is left out on purpose: rent and bills land once a month, so they aren't a pace.

Nothing logged today?

Small, frequent spends — chai, an auto, a recharge — are the ones that slip through. If the evening check-in finds no spending you logged that day, it asks (a recurring charge posting by itself doesn't count as you logging). One reply like "chai 20, auto 60" logs both.

Tomorrow's charges

Subscriptions are easy to forget until the money leaves. Any recurring expense due tomorrow is named in the check-in the evening before: "📅 Tomorrow: Netflix ₹649."

All of this rides on the check-in you already get — no extra messages. Set how often it comes under Account → Reminder frequency.

Three things Blipko used to throw away: the money you didn't spend, the correction you just made, and your privacy the moment someone glanced at your screen.

Privacy mode

Every dashboard page leads with money, so opening it in a cafe or handing someone your phone shows them your whole financial position. The eye in the top bar blurs every figure on screen — category names, dates, chart shapes and navigation all stay readable, so the app is still usable, just not legible over your shoulder.

Click any blurred figure to reveal that one for a few seconds. The toggle also lives under Account → Appearance and in the ⌘K menu, it's remembered per device, and it's applied before the page paints, so a reload never flashes your balance.

Form inputs and CSV exports stay readable on purpose — you can't edit what you can't read, and an export never renders on screen.

Last cycle's leftover carries forward

Leftover money used to get printed in the cycle report and then forgotten — not saved, not spendable, just gone at the boundary. Now you get asked once, at the start of the cycle, where it should go:

• Savings files it as a savings expense, optionally straight into one of your boxes.
• Opening balance adds it to this cycle's budget, so the month you're starting is genuinely bigger.

The same question appears on the dashboard, and answering it in either place settles both — you can't be asked twice, and you can't carry the same leftover twice. If the suggested figure doesn't match your actual balance, Different amount lets you say what it really was.

Carried money doesn't count as something you earned, so your savings rate stays honest.

It remembers the correction

Correcting chai from Snacks to Coffee & Tea five times taught Blipko nothing — the sixth chai 30 was guessed with exactly the same information as the first.

Now the correction sticks. Fix a spend's category and the next message using that phrase is filed the way you said instead of re-guessed. It works per phrase and in your own script, so പെട്രോൾ 500 and चाय 30 each get their own memory. When you correct from the Telegram buttons, Blipko tells you it's learned it; corrections from the dashboard — the review inbox, the edit dialog — are picked up quietly.

No more near-duplicate categories

Category lists used to bloat: Snack never matched Snacks, and the bot was free to invent a name when nothing fit, so Food appeared next to your Eating Out. Now it reuses what you have — case, punctuation, & against and, and plurals all match — and it never makes up a name. A category is only created once you've actually confirmed the spend, so an abandoned message leaves nothing behind.

New accounts start with an empty list instead of twenty-odd categories nobody picked; they appear as you spend. Existing accounts get a cleanup card rather than a silent purge, and anything you've used — or taught Blipko — is left alone.

Reminders that actually remind

The frequency setting was decorative. Every level sent at most one burst a day, and on Gentle you could go a whole cycle hearing nothing at all. A bucket that crossed 80% got one alert and could then sit at 88% in silence for the rest of the month.

Now the level means what it says — Gentle once a day in the evening, Aggressive twice, Relentless three times — and a bucket that's running hot gets raised again the next day instead of going quiet after one mention.

Fixed

• Reminders, cycle reports and recurring charges stop being skipped. They needed to fire in an exact hour, and the scheduler drifts, so they were landing on roughly half the days they should have. They now run on a window.
• Saving a bot-created recurring rule from the dashboard no longer drops its category.
• The assistant no longer gives up with "I couldn't work that out right now" on longer questions.

A friend paying back ₹1,500. A purchase you returned. A work expense reimbursed. Every one of those used to widen your budget by that much — even though the original spend had already eaten it. Money the budget had spent once got handed back to you to spend again.

Not every rupee is income

Income now files under one of thirteen categories, in two groups.

• Counts as income — Salary, Freelance, Business Income, Dividend & Interest, Rent Received, Bonus, Gift, Other Income.
• Doesn't raise your budget — Reimbursement, Refund, Money Lent Returned, Loan / Advance Received, Transfer Between Accounts.

The second group is still recorded and still shows in your income total. It just stops pretending you earned it. The list is fixed rather than something else to set up, and income you logged before today still counts as earnings — nobody's numbers moved when this shipped.

See it, and fix it

Income has a Category column, a multi-select filter, and a picker in the edit dialog — so a refund the bot read as salary is now a two-click correction rather than something you live with. It's in the CSV export too.

The bot tells you which is which

Log a refund and the reply says so: ↩️ Money coming back, not new income — your budget is unchanged. And /status, /report and the cycle report all carry the same line — what landed, what the budget is actually built on, and the gap between them, named rather than left for you to work out.

Telegram and the dashboard now quote the same budget. They used to disagree, by exactly the refunds.

Recurring income, filed right

A recurring income rule picks from the income categories instead of the spending ones. A reimbursement that arrives every month stops inflating the budget every month.

Fixed

• Savings rate in Analytics and in Wrapped divides by what you earned, not by everything that landed. A month with a purchase later refunded used to score worse than the same month with neither transaction in it.
• /report no longer hides refunds while /status names them.
• Income inside a multi-item message gets categorised too — "chai 30, nadha returned 1500" comes back as a mixed ✅ / ↩️ list.

"You spent ₹17,041 this cycle" is a fact. "Saturday is your heaviest day — a third of everything" is something you can actually do something about. Analytics has been rebuilt around the second kind.

Buckets, at a glance

Needs, Wants and Savings as gauges. You can see how much of the cycle you've used before you've read anything — the number underneath is confirmation, not the point.

Where the money went

Your cycle broken down by category, largest first — and the headline called out in a sentence, because the whole reason you opened the chart was to find out which one it was.

Income vs spending

Money in against money out, cycle by cycle. The line over the top is the net — the shape of it tells you whether the gap is widening or closing.

Spending by day of the week

Habits show up here that a monthly total hides completely. Spread across several cycles, one heavy day is a coincidence; the same heavy day every week is a habit.

Also

• Charts respect your reduced-motion setting — no animation if your system asks for none.
• Cycle labels use your timezone, so a cycle that starts on the 1st no longer reads as the 31st.
• Analytics is now a tabbed surface, and the charts are lighter and quicker to draw.

Fixed

• Wrapped now appears only in the last few days of the month, worked out in your own timezone — and stays away entirely when the month has nothing worth looking back on.

You could always log a spend by texting. Now you can ask about one.

The numbers aren't guessed

This is the part that matters.

Ask how 50/30/20 works and you don't get the Wikipedia version. You get your split, worked out from the income you've actually logged this cycle, with what's left in each bucket and how many days it has to last.

Every figure comes out of your own records, and every comparison is settled before the AI is involved — affordability is a yes/tight/no decision made in code, cycle comparisons arrive with the difference already calculated. The AI chooses what to look up and how to say it. It doesn't do the arithmetic.

Which also means it will tell you no.

Ask whether you can afford something well out of reach and you get a straight no with the size of the gap — then it goes and looks at what you'd actually need: your boxes, your recurring rules, what's already set aside. A budget that only ever says yes isn't worth asking.

It will also tell you when it simply doesn't know. Ask about a category with nothing logged against it and you get "nothing recorded" — never a confident ₹0.

It can explain itself, too

"What can you do?" used to be the one question the bot couldn't answer. Now it lists what it has — and why each one is there, because that's the thing people actually want to know before trusting an app with their money. Ask how it works, where your dashboard is, or who built it, and it answers from a maintained list rather than improvising, so it can't invent a feature that doesn't exist.

Ask out loud

Voice notes used to be for logging a spend. Now you can ask a question the same way and get the same grounded answer back.

Changes are proposed, not made

It can edit a spend, delete one, set up a recurring rule, or move money into a box — but it only ever proposes. You get a one-line summary built from the actual record it would touch, and Confirm and Cancel buttons. Nothing is written until you tap.

Also

• Dates work in your timezone. "Yesterday" means your yesterday, including late at night, when it used to mean the server's.
• Questions about a specific category no longer come back empty when you've customised that category.

"Save 20%" is a number. "₹2 lakh for the trip in December" is a goal. Boxes are for goals.

• Goal boxes have a target and fill up as you add to them.
• Fund boxes are open-ended — an emergency fund with no finish line.
• Move money in from anywhere, including moving an existing transaction into a box after the fact.
• Recurring contributions so a box fills itself every month.
• Every movement is a ledger entry, so a box can always tell you where its money came from — and any move can be reversed.

Earmarked income

Income can be earmarked straight into a box on the way in. That money stops counting as spendable, so your safe-to-spend figure stays honest.

Wrapped

A look back at your year: what you spent most on, your biggest month, how your buckets held up. Export it as an image if you want to share it.

Also new

• Per-category breakdown pages — tap any category to see just its transactions.
• Multi-select filters and column totals on the transaction tables, so you can slice by several categories at once and see the sum.

Fixed

• Chart bar colours read from the theme tokens instead of hardcoded hex, so they're correct in both light and dark mode.

Undo was the only correction Blipko understood. Now you can fix things properly, from whichever surface you happen to be on.

Every confirmation shows your budget

When Blipko records a spend it now replies with the category budget and the bucket budget it landed in — so you learn where you stand without asking.

Scheduling that respects your timezone

Nudges, reports and recurring charges all fire against your own timezone, which you can change in Account settings. No more 3am reminders.

Also new

• Connect Telegram by QR — scan it from your phone instead of typing. The dashboard detects the connection and moves on by itself.
• Category emojis, picked from a proper emoji picker.
• A FAQ page, and a marketing navbar that goes somewhere.
• Interaction sounds across the dashboard, off by default, with a toggle in settings.

Fixed

• The transaction date filter works in range mode.
• Beating your savings target is celebrated instead of flagged red.
• The Recent Expenses card is usable on a phone.
• Motion respects prefers-reduced-motion throughout.

Buckets are a good default. But "Wants" covers both your coffee habit and your gym membership, and you probably want to see those separately.

Onboarding that sets you up properly

A three-step wizard on the web: your income, the category groups that match how you actually live, and how loudly you want to be reminded. Blipko builds your taxonomy from that and you're tracking in under a minute.

Pin what matters, auto-balance the rest

• Pinned budgets stay exactly where you put them. Rent is rent.
• Auto-balance distributes what's left across everything unpinned, weighted by how you've actually been spending — not evenly.
• Suggestions come from your own history, so a new category starts with a number that isn't a guess.

/report compares cycles now

Your end-of-cycle report shows deltas against the previous cycle — up or down, per bucket — and arrives on its own once the cycle closes.

Fixed

• Group rows no longer show spend or budget of their own, so bucket totals reconcile.
• Uncategorized spend is visible instead of quietly missing from the total.
• Early-cycle projections are suppressed until there's enough data to be meaningful, rather than screaming about a single large Monday.
• Savings is framed as a goal you're progressing toward, not a budget you're breaching.
• /help actually explains everything the bot can do.

Rent doesn't need retyping every month, and your money doesn't reset on the 1st if you're paid on the 25th.

Recurring rules

Tell the bot rent 12000 every month and it becomes a rule. From then on Blipko posts it on the due date and tells you it did. Works for income too, so your salary lands automatically.

Manage them all from Dashboard → Recurring: pause one, change the amount, or delete it.

Your budget follows your payday

Set your payday and the whole budget cycle moves with it. Paid on the 25th? Your cycle runs the 25th to the 24th, and /status paces your daily spend against that window instead of the calendar month. Payday on the 1st behaves exactly as before.

Income, properly tracked

• Income is now first-class: log it by chat, and see it in Transactions → Income.
• Analytics gained an income vs spending view with your net for the cycle.
• Your budget tracks actual income rather than assuming your expected salary — floored at the expected figure, so a slow month doesn't shrink your budget.

Tracking what you spent is only half of it. The question people actually ask is can I afford this? — so Blipko now runs a real budget behind every message.

Every expense is sorted into one of three buckets:

• Needs — rent, groceries, bills. Target 50% of income.
• Wants — eating out, subscriptions, that impulse buy. Target 30%.
• Savings — what you keep. Target 20%.

New commands

• /status — where each bucket stands and how much you can safely spend per day for the rest of the cycle.
• /report — a monthly summary of where the money went.
• Undo — got a number wrong? Undo the last entry from the chat.

Nudges, at your chosen volume

Blipko can warn you as a bucket fills up. You pick the dosage — off, gentle, aggressive, or relentless — so it's a nudge, not nagging.

Fixed

• Linking a Telegram account to an existing web login now merges the two instead of creating a second account, so bot expenses show up in the dashboard straight away.

Blipko started life on WhatsApp. It now lives in Telegram, which means no business-API gatekeeping, instant slash commands, and a chat that opens on every device you already own.

• Log spends by chatting. Send chai 30 and it's recorded. Malayalam, Manglish and English all work, by text or by voice note.
• Slash commands for the things you do often — /help to see everything.
• One-tap account linking. Open the dashboard, tap Connect, and the bot opens already signed in as you. No copying codes between screens.

Also in this release

• A Kerala-first landing page, written for people budgeting in rupees.
• Deployed on Railway, so the bot answers immediately instead of cold-starting.
• Security pass across both the bot and the web app: ownership checks on every record, timing-safe token comparison, and escaped Telegram markdown.