Your money desk. Statement in, clarity out.

No. It works for creators and freelancers, doctors, lawyers, chartered accountants, architects, shopkeepers and traders, small businesses and salaried people. After you upload, Kamai guesses what kind of account it is and you confirm. Sales, professional fees, purchases, salaries, the GST limit for goods or services and the tax options all follow the type you choose, and you can change it later.

Any Indian bank that lets you download your statement as a text PDF, a CSV, or an Excel file (.xlsx or .xls). We have built and tested the layouts of HDFC, SBI, ICICI, Axis and Kotak statements, and other banks usually work too. If we can't tell which column is which, a short "match your columns" screen lets you point them out once. Scans or photos of a statement can't be read.

They work for both PDF and Excel. Kamai asks for the password in your browser and uses it only to open the file on your device. It is never stored or sent anywhere. If an Excel file's protection can't be opened, we show you how to remove the password in Excel (File > Info > Protect Workbook) so you can upload the saved copy.

Two steps. First, simple readable rules written for Indian bank narrations (UPI, NEFT, IMPS, ATM, salary, refunds, interest and more) label what they are sure about. Then rows the rules are unsure about go to an AI model (Groq or xAI) that picks a category, using the short description of your work you wrote in your profile. Before anything is sent, Kamai masks PAN, Aadhaar, card, account and phone numbers and emails, and your file, name and exact amounts are never sent. The AI only picks labels: every rupee on screen is added up by Kamai's own code. Each row shows a reason and how sure we are, and unsure rows wait in "Check your labels" for you. We don't promise a percentage of accuracy: that's why you review the unsure rows. See the Privacy page for details.

No. Refunds, loans, gifts, transfers between your own accounts and investment payouts are not income. Money in that we can't place waits for you, and it is not counted until you decide.

Only if you tell us it applies to you. The law lists who can use it: legal, medical, engineering, architecture, accountancy, technical consultancy, interior decoration, information technology and company secretary work. Content creation and influencing are not on that list, so creators should ask a CA before using it.

Yes. The CA pack PDF summarises income, expenses, TDS and tax, and the Tally XML imports straight into TallyPrime.

Yes, anytime from Settings: download everything as JSON or CSV, or delete your account and all your data permanently.

No. Money Desk organises your numbers and estimates tax. Please confirm with a qualified CA before filing.