₹2,999 for 12 months · Full refund within 60 days · 12 of 30 wave-one seats taken
A CA signs every number
Your data stays yours
₹1,50,000
🌙 ₹30,000 leanfat ₹3,00,000 ☀️
Drag your month. Watch us split it.
Illustrative: ₹36L a year on presumptive tax, no TDS, a ₹80,000 salary. Estimate. Your CA confirms.
Be honest. You’ve blamed yourself.
It was never you.
Your income just refuses to sit still. Some months pour. Some months barely trickle. You make a plan once, then life happens, and the plan quietly breaks.
What every money app expects₹1.5L/ month
Same amount. Same date. Every month.
What your year actually looks like₹30K to ₹3L
Feast. Famine. Repeat.
You don’t need more discipline. You need a system built for the jagged line.
It was never for lack of trying.
Built for salaries. Not for you.
Budgeting apps. A spreadsheet. A CA once a year. Every one assumes the money already landed. None of them watch the gap when it doesn’t.
What you actually needSalary appsYour spreadsheetYour CACinch
Handles a ₹3L month and a ₹30K month✗manual✗
Sets your tax aside the day money lands✗✗once a year
Tracks the TDS your clients already took✗if you’re carefulat filing time
Pays you a steady salary from lumpy income✗✗✗
Months you can last, at a glance✗you do the math✗
Warns you before 15 June, Sept, Dec and March✗✗if you ask
Different tools. Same blind spot.
Your apps wait for payday. Your CA waits for March.
We watch the other 363 days.
Here’s the shift.
You don’t need a budget.You need a witness.
Something that watches the gap between what you planned and what your bank actually did. We never look away.
Here’s how we watch.
We do the math. You just earn.
No spreadsheets. No data entry. No nagging. You make the money. We handle what happens next.
1
Money lands. You forward it.
Send the payment alert on WhatsApp, or a screenshot. That’s the whole input. No bank login.
2
We do the math.
Tax, salary and runway, re-planned the same day. A CA signs every number.
3
One calm message.
Here’s your split. Here’s what to move. Never a buzz at 11 pm.
🔒 Tax Vault
March never surprises you again.
Every receipt, the right slice set aside. Presumptive-aware, net of the TDS your clients already took, dated to 15 June, 15 September, 15 December and 15 March.
The money’s there before the bill is.
TDS by client, matched to your 26AS
Watches the ₹12L, ₹20L GST and ₹75L lines
Line-by-line workings your CA can sign
Dr Sanjay Rao, dentist, ₹60L a year. The vault holds 8.3% of every receipt. Illustrative.
🪙 Pay Yourself
You got paid. We split it before you spend it.
Money lands. We carve it the same day: tax, salary pot, buffer, and what’s yours to spend. Your salary lands on the 1st, whatever the month did.
The discipline of a salary. Without the salary.
A salary pot that keeps two months funded
Drag the split yourself, any receipt
Salary history you can show a landlord
Riya Sharma, freelance designer, ₹24L a year, pays herself ₹65,000. Illustrative.
📈 Runway
Not a balance. A countdown.
One number: how many months you could last if every client stopped paying today. Slide what you spend and watch it move.
Watch it grow. That’s the whole game.
Counts your salary pot and buffer, nothing else
A buffer that fills itself in fat months
A date, not a percentage
One level down
Goals
On track, or not. Never a guess. Real targets, adjusted for inflation.
Protection gaps
Term, health, emergency fund. We show the gaps. We don’t sell the cover.
Money Review
Once a month. Five minutes. See where you stand, adjust, close the app.
Three engines. One job. Watch the gap so you never drift off track.
Tax Check free, once, no login
Your clients are holding your money.
You may be owed, not short.
Most money apps lock away a flat slice of every invoice. On presumptive tax, with TDS on your invoices, the real number is often zero. Sometimes it’s a refund.
Tax Check · FY 2026-27Estimate
On ₹24 lakh of receipts, TDS on every invoice, presumptive tax.
A typical app locks away₹2,60,000
Tax actually due₹0
Clients already took, as TDS₹2,40,000
You’re not short ₹2.6 lakh.
You may be owed ₹2.4 lakh.
Estimate. Your CA confirms.
Resident individual, new regime, FY 2026-27. Presumptive tax counts 50% of receipts as income. TDS at 10% of invoices. “Typical app” means tax worked out on all receipts less ₹2L of costs, the way a salary-style engine sets it aside. Education only, not tax advice.
🔎 60 seconds. No login. No catch.
What aren’t you seeing?
Three questions. One honest look at your money. We’ll show you a risk you’ve been walking past.
1 of 3
Nothing you tap here is stored or sent.
The fear we hear most.
No nagging. No guilt. No streaks.
Most money apps run on your anxiety. We don’t. We stay silent until silence would cost you.
What you’re used to
Budget app · nowYou haven’t logged today
Budget app · 2m agoDay 3 streak lost
Budget app · 9:58 pmYou’re over budget
Budget app · 11:04 pmOpen the app. Now.
What we do
Cinch · 1st of the monthYour monthly review is ready. 5 minutes.
Once a month. Five minutes. See where you stand. Adjust. Close the app. That’s the whole relationship.
Money landsHere’s your split.
A lean monthYour salary still lands.
Tax date nearYour vault’s ready. You’re covered.
A goal hitYou did it.
Quiet hours from 10 pm to 8 am. We don’t want your attention. We want you on track and gone, living your life.
“I pay myself a salary now.”·“Cinch found ₹1.8 lakh of TDS I’d forgotten about.”·“March was boring this year.”·“I pay myself a salary now.”·“Cinch found ₹1.8 lakh of TDS I’d forgotten about.”·“March was boring this year.”·
Lines we’d like you saying by March.
It’s real software.
Don’t take our word. Tap the app.
This is the working prototype, running right here. Real screens, real tax maths, illustrative people.
We don’t sell ads. We don’t sell your data. You pay us, so no one else ever does. That’s the whole business.
A CA signs every number
Every tax figure we show runs on a rule set a practising CA has checked and signed. Wave one gets a CA on every number, by hand.
We can’t touch your money
We never hold it and we can’t move it. You forward what lands; we do the math. When bank linking comes, it’s read-only, through RBI’s Account Aggregator framework.
We flag. We never sell.
We show the gaps in your cover. We don’t earn a rupee filling them. No commissions on insurance or funds. Ever.
Your data stays yours
Never sold. Never shared. Export it or delete it any time, from inside the app.
On investment advice: we don’t give it. When a SEBI-registered partner is signed, we’ll say so here, in writing, with their registration number. Not before.
YSSSVP
Built by people, not a faceless app.
Founded by Yash Shah. Built with SS and Vishal Patel. A real team, and in wave one, a real person who answers your WhatsApp the same day.
Money runs on trust. We built for that first.
We built this for someone specific.
Is this you?
No salary. No fixed date. No HR doing it for you. If your income moves, keep reading.
Tap a card to see the engine that fixes it.
Don’t see your title? If your income moves, we built for you.
Wave one is small on purpose. Thirty people, set up by hand, with a CA signing every number. If it isn’t for you, every rupee comes back within 60 days.
12 of 30wave-one seats taken
When thirty are in, wave one closes. Wave two opens when we can serve it as well. No countdown, no tricks.
Founding member
₹2,999for 12 months, paid once
A week-one setup call. We map your clients, your tax type and your salary.
Forward a payment on WhatsApp. A person replies the same day with your split.
Tax Vault, Pay Yourself, Runway and Tax Check. All of it.
Blind-spot check, one Tax Check, and a runway estimate. Education only.
Pro · from April 2027₹2,999 a year
Or ₹349 a month. Same engines wave one gets today.
Pro + Filing₹15,000 a year
Adds ITR filing and advance-tax computation by a partner CA.
Founding members pay what everyone pays from April 2027. You’re not buying a discount. You’re buying a head start and a person on call.
No fine print. Honest answers.
Let’s clear the rest.
No. Never. Wave one runs on what you forward us: a payment alert, an SMS, a screenshot. We never hold your money and we can’t move it. When bank linking arrives, it’s read-only, through RBI’s Account Aggregator framework, and you choose what we see.
No. Cinch is tools and education: tax set-aside, a salary from lumpy income, runway, calculators. We don’t tell you what to buy. Investment advice arrives only once a SEBI-registered partner is signed, and we’ll say so in writing.
Twelve months of everything: Tax Vault, Pay Yourself, Runway and Tax Check. Plus a week-one setup call, and a person who replies on WhatsApp the same day you forward a payment. A CA signs every number.
Tell us within 60 days and you get the full ₹2,999 back. No form, no questions.
A practising CA signs the rule set, and in wave one, every number we send you. Figures on this page are estimates for a resident individual on the new regime, FY 2026-27. Your CA confirms.
No. Not to join, not to use it. Forward what lands. That’s it.
Because wave one is done by hand. Thirty is how many people we can serve well. When it fills, wave two opens when we’re ready, not before.
That’s Pro + Filing, ₹15,000 a year: ITR filing and advance-tax computation by a partner CA. Ask on your setup call.
Still wondering something? The fastest way to find out: join wave one. Full refund within 60 days.
Your income swings. You won’t.
One witness. Every rupee. Both your months: the ₹3 lakh and the ₹30,000. No more drifting. No more guessing. No more March surprises.
Wave one: ₹2,999 for 12 months. Full refund within 60 days. 18 of 30 seats left.
Full refund within 60 days · No bank login · Your data stays yours