01
Day of the monthSalary lands.
If you let bank messages in, it reads them. A credit becomes income, tagged #salary, with no typing.
HDFCBK: Rs 85,000.00 credited to a/c XX4321 by ACME TECHNOLOGIES.
+85,000
#salaryA private budget trackerDrag the slider. It is a sample month.
It’s day 21.
Where’s your month going?
LBStash takes what you log in Telegram and tells you where the month ends, before it ends. Scrub through a sample month below to see what it sees.
The demo has sample data and is read-only. No sign-up needed.
Flexible spending per day · sample dataa repeat leaves
Day 21 · logged
Available to you
₹40,251
Flexible spent / plan 36,000
₹26,300
Forecast: at this pace the plan runs out on day 29.
A month in LBStash
One month, told in days.
Every feature here is a thing that happened to someone on a particular day. This is that month, with sample data.
05
Day of the monthRent leaves by itself.
Repeats post on the due date and count as committed from day one, so the rest of the month is honest.
Rent −24,000SIP −15,000 · day 28
09
Day of the monthA payment it doesn’t know yet.
It waits for you instead of guessing. Tag it once and every later payment from that name is sorted for you.
UPI · RAMESH K−1,200
needs a tag#otherremembered
12
Day of the monthThree seconds, from Telegram.
You do not open an app to log a coffee. Type the amount and a word. It replies with what is safe to spend today.
/350 food
Logged ₹350 in #food. Safe to spend today: ₹880.
18
Day of the monthShopping crosses 80%.
A limit warns you early and says which day it will be hit at your pace, not just that it is close.
Shopping5,650 of 7,000
Hits the limit on day 23 · in 5 days
20
Day of the monthThe bank says ₹850 less.
Check against your bank balance. A gap is never hidden: it becomes an entry you tag or split.
bank says38,251
app says39,101
Unaccounted−850
Day of the month
21
Today
The plan runs out on day 29. Two days early.
That is the whole point. Not what you spent, but what your pace does to the rest of the month, while there is still time to change it.
Spend ₹880 a day, not ₹1,250
and it lasts
the plan survives to the last day
Month ends with
₹10,040
between ₹6,470 and ₹13,770
Breaks first
Shopping
limit hit on day 23
What it never sees
Some things stay blacked out.
LBStash · collected from youpage 1 of 1
Bank loginNEVER
UPI PINNEVER
Card numberNEVER
OTPNEVER
Moves moneyNEVER
- 01
Two-step sign-in
An authenticator app is required. Passkeys and recovery codes are supported.
- 02
Walled-off data
Row-level security on user tables, and one database login and schema per service.
- 03
Encrypted secrets
AES-256-GCM for secrets, Argon2id for passwords, tokens stored only as hashes.
- 04
Allowed addresses, a locked bot
Limit the web app to your IPs. Only your Telegram account can link, and your message is deleted once read.
- 05
Yours to take
Export your data any time. Delete the account and it goes after a 7-day grace period.
No account. No card. Read-only.
Step into a month.
Six months of sample payments, a plan, limits and a forecast, in a copy you cannot break. Like it? Make your own account. It starts empty and private.
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About
LBStash is a small personal-finance project: a Next.js web app, eight small backend services and a Telegram bot, run on your own server. By default one server holds one account, so this page and the demo are for looking around before you make yours.