One doubt away?
Every question we have been asked, answered in four sentences or fewer.
Getting started
Do I need to install anything?
No. You use WhatsApp, which you already have. The web app at app.jirvo.ai opens in a browser; there is nothing in an app store.
How does my partner join?
You send them an invite link from Settings, Members. They open it, create a login and verify their WhatsApp number. From then on their messages land in the same ledger.
Does it work the same on iPhone and Android?
Yes. Everything runs through WhatsApp and the web app, so there is nothing platform-specific to install and nothing that works on one phone but not the other.
Can my parents or in-laws use it if they are not techy?
That is much of the point. If they can send a WhatsApp message, they can use it. Nothing to install on the phone, nothing to learn beyond typing what they spent.
Using it daily
What formats does it understand?
“250 groceries bigbasket upi yesterday”, a voice note, or a photo of a receipt, on WhatsApp or typed into the web app. Word order does not matter and neither does spelling.
How do I fix a wrong entry?
Send “no wait, 480” right after, or reply to the confirmation message and say what to change. The old entry is superseded, not deleted, so the history stays honest.
Does it learn my categories?
Yes. Your household can add its own categories, and a correction becomes a filing rule: correct “swiggy” to Groceries once and the next swiggy lands there, until you say otherwise.
Can it remind me about things?
Yes. From the web app you can set a recurring reminder in plain words, at one or several times of day, or put a reminder on a task’s due date. It fires at the time you chose, to you.
How does cash work?
Cash takes a two-second message or a voice note. Nothing is captured automatically, by anyone: you tell it what you spent.
What languages does it handle?
English and Hinglish.
Money and data safety
Does it connect to my bank account?
No. It never asks for a banking login, has no access to your accounts, and cannot move money. You tell it what you spent.
Can my spouse see everything I spend?
Only what you choose. Every entry is shared, personal (the amount rolls into totals, the detail does not) or private (invisible, even from totals). See Privacy.
Does it read my messages or my email?
No. It only sees what you send it, on WhatsApp or in the web app. There is no inbox connection and nothing running on your phone.
What happens to my data if I leave?
You get an export of your personal entries and they are deleted. Shared household entries stay with the household, no longer attributed to you.
What can WhatsApp or Meta see?
Message metadata, as with any WhatsApp Business conversation. WhatsApp’s encryption ends at our webhook — we don’t claim end-to-end encryption, because it would not be true. The full explanation is here.
Billing
Is anything charged today?
No. Every pilot household is free and no caps are enforced. When billing opens you will be told first, and founding households keep the founding price for life.
What happens when I hit a cap?
Nothing breaks, nothing is deleted, and capture keeps working. You are told which cap you hit.
What if I stop paying?
You drop to Free with your entries intact. Depth features pause; nothing is lost.
Refunds?
Annual within 14 days. Monthly cancels at period end. See Refunds & Cancellation.
Limits and honesty
Is it a chatbot I can ask anything?
No. On WhatsApp it logs what you spent, confirms it, corrects it when you say so, asks a short question when it is unsure, and sends the summaries and reminders you set. It is a household expense tracking and reminders service, and the Terms say exactly that. The full conversation lives in the web app.
Does it make payments or hold money?
No. It never has your bank login, never moves money, and cannot pay a bill. It reminds you; you pay the way you already do.
Will it give me investment advice?
No. It tells you what your household spent and what is coming up. It does not tell you what to do with your money.
What does it not do yet?
It does not read bank SMS or email receipts. It has no phone app of its own yet, and no billing. Each of those is on the list; none of them is claimed here until it ships.