About Chillar's

Why a money manager for the web

Most expense trackers are phone apps. If you sit at a desktop for eight hours a day, that decides whether you use one at all. Chillar's runs in the browser, installs to a phone home screen when you want it there, and keeps working with no connection.

The hard part of a money manager is not the screens, it is the arithmetic: multi-currency balances, budget scoping, period boundaries, month-end clamping. Every one of those is checked against eight fixture datasets - each one an answer key built to match the money-math discipline of Ivy Wallet, the open-source Android app that inspired Chillar's, with every check cited back to the logic it verifies. Both the Postgres layer and the browser layer are asserted against the same numbers, to a tolerance of one cent, before every merge and every deploy - Chillar's runs no CI, so this check is manual and non-negotiable rather than automatic. Where the code and the fixtures disagree, the fixtures win.

Three principles

Money is never a float.

Amounts are exact decimals from the database column through to the last step before display. This rule has no exceptions, because you would abandon a money app whose totals disagreed with its rows, and you would be right to.

Every number can be explained in a sentence.

There is no model, no inference and no generated prose anywhere in the product. Insights are arithmetic over your own rows, and you can reproduce any of them by hand. When software talks about your money, you deserve better than “trust the algorithm”.

Your data leaves when you do.

A single JSON export contains everything and imports back. Anyone asking you to type years of financial history into their software owes you at least that much.

How it is funded

Chillar's is free to use and stays that way. Running it costs money, and advertising is what is meant to cover that. There are no ads on it today - it runs at its operator's expense while ad serving goes through approval - but that is the trade being made, and it is the honest version of it: you will see ads, and no feature is held back behind an upgrade prompt. Your financial rows are not the product - they are not sold, they are not shared with data brokers, and they will not be used to choose which ads you see.

Who runs this

Chillar's is built and operated by Anup Maurya and Chaitanya Vartak, who started it in 2026. Between them they write everything published here and check it against the app's own behaviour before it goes out. The contact page carries the current route for reaching us with a question about the product or anything on this site.