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Stash In
NEW UPI auto-categorization powered by GPT-4

Tax season.
Sorted in 4 minutes.

Stash In connects to your UPI, auto-categorizes every transaction, tracks GST liability in real-time, and exports a CA-ready ITR-3 statement. Built for Indian freelancers earning ₹6L to ₹50L a year.

Start free — 50 txns/mo See live demo
  RBI-compliant aggregator Used by 2,400+ freelancers 4.8 on Play Store
↓
Auto-tagged · Razorpay
+ ₹84,000 income
↑
Detected · Adobe CC
− ₹4,719 software
stash.in/dashboard/fy25-26

FY 2025–26 · Gross earned

₹8,42,300
▲ 24% vs FY24-25 · ₹6,79,500
3M 6M YTD FY
Net profit (after exp.)
₹6,89,420
GST liability (Q3)
₹1,21,400
Connects with banks & tools you already use
HDFC Bank ICICI Bank Axis Bank SBI Kotak PhonePe GPay Razorpay Stripe
How it works

From scattered receipts to filed return — in three steps.

No spreadsheets. No frantic March nights. Stash In sits quietly in the background, watching transactions roll in, organizing them by GST category, and waiting for the day your CA asks for the file.

01 · CONNECT

Connect UPI & banks

Link your HDFC, ICICI, GPay, PhonePe or Razorpay account via RBI-licensed Account Aggregator. Read-only. We never touch your money.

✓ HDFC ••••4291Live
✓ GPay UPILive
+ Add Razorpay›
02 · CATEGORIZE

AI auto-tagging

Every credit/debit gets categorized by GPT-4 — client invoice, software subscription, transport, GST input credit. You correct once, it learns forever.

Razorpay → ACME CoIncome
Figma annualSoftware
Ola airportTravel
03 · EXPORT

Export ITR-3 ready

One click generates a CA-ready PDF: profit & loss statement, GSTR-3B summary, and a presumptive taxation worksheet under Section 44ADA.

ITR-3_FY2526.pdf12 KB
GSTR-3B_Q3.csv4 KB
44ADA_worksheet.xlsx9 KB
Live preview

Your money. Finally legible.

A real dashboard, not a designed one. This is what FY 2025–26 looks like for our user Aanya — a Mumbai-based product designer earning ₹8.4L this year from four clients.

Aanya Krishnan / Workspace / FY 2025-26
⌘K ● Sync live
Income · YTD
₹8,42,300
▲ 24% vs last FY
Deductible expenses
₹1,52,880
61 transactions tagged
Est. tax owed
₹1,21,400
After 44ADA · 50% presumed

Income vs Expense · Last 12 months

Income Expense
Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar

Recent transactions · last 7 days

All Income Expenses GST
RP
Razorpay → Acme Studios
UPI · 28 May · 11:42 AM · ref AB7H29
Income
GST 18%
+ ₹84,000
FG
Figma Annual Subscription
Visa ••2104 · 27 May · 8:09 PM
Software
Deductible
− ₹15,200
SE
Stripe → Wellpath GmbH
SWIFT · 26 May · 4:11 PM · €1,200
Income · Export
LUT · 0% GST
+ ₹1,07,840
OL
Ola · BLR airport drop
GPay · 24 May · 6:30 AM
Travel
Deductible
− ₹742
AW
AWS Cloud Services
Card · 23 May · 3:00 AM · $42.18
Software · Import
RCM 18%
− ₹3,512
UP
UPI from Priya Nair
PhonePe · 22 May · 2:48 PM · note "design"
Income
GST 18%
+ ₹35,000
Built for Indian taxes

Not a generic Mint clone. Designed for India.

Stash In understands GST input credits, RCM on foreign software, Section 44ADA presumptive scheme, advance tax instalments, and the specific way Indian CAs want data formatted. Everything else is a Quickbooks reskin.

GST tracking, automatic

Each invoice gets a GST rate (18% services / 12% / 5% / 0% LUT export). We compute your liability daily, surface it on your dashboard, and remind you 7 days before each filing deadline. No more last-minute scrambles.

GST collected · monthly May · ₹18,720 due
AMJJASONDJFM

Section 44ADA

Auto-applies the 50% presumptive rule for professionals earning under ₹75L. See your real tax bill update live.

Gross receipts₹8,42,300
Presumed profit (50%)₹4,21,150
80C / 80D deductions₹1,75,000
Tax payable (new regime)₹14,420

ITR-3 export

One click. Your CA receives a PDF plus a structured XLSX, formatted to the schedules they actually use.

ITR-3 · FY 2025-26Aanya K.
Gross receipts8,42,300
Less: presumed exp (50%)4,21,150
Net professional income4,21,150
Other income (interest)12,480
Total taxable income2,58,630

CA collaboration

Invite your CA as a read-only viewer. They get a single source of truth — no more 3 AM WhatsApp PDFs.

RCM, sorted

AWS, Figma, Notion — we auto-flag reverse-charge GST on imported services so you don't get an IT notice.

Mobile · Receipt scanner

Snap. Tag. Done. 3 seconds.

Cab receipt at the airport. Lunch with a client in Bandra. Print cartridge from Croma. Photograph it from the Stash In iOS or Android app — our vision model extracts vendor, amount, GST split, and even the category. The receipt gets stored encrypted. The transaction gets matched to your bank entry automatically.

  • OCR + GPT-4 Vision

    Reads Hindi, English, Tamil, Marathi, Telugu, Bengali — even handwritten amounts.

  • Auto-matches to bank transaction

    If you paid via UPI, we link the receipt to the bank entry so audits become trivial.

  • GST input credit calculated

    If the vendor charged GST and you're registered, we automatically claim input credit.

  • Encrypted storage — 7 years

    Receipts encrypted at rest and stored for the legally required retention period.

Scan receipt
CAFE MADRAS
Filter Coffee80
Idli (2)120
Pongal140
Sub-total340
CGST 2.5%8.50
SGST 2.5%8.50
TOTAL357
GSTIN: 27AABCT0123R1Z5
Extracted
VendorCafe Madras
Amount₹357
GST split₹17 (2.5+2.5)
CategoryMeals
Save & match transaction
Pricing

Start free. Upgrade when April panics.

No card needed. No "annual discount" trap. Cancel any time, your data exports cleanly.

Starter

For exploring
₹ 0 / month forever
50 transactions/month
Start free
  • 50 transactions/mo auto-categorized
  • 1 bank/UPI connection
  • 10 receipt scans/month
  • Basic P&L report
  • GST tracking
  • ITR-3 export
MOST POPULAR

Pro

For working freelancers
₹ 299 / month
or ₹2,999 / year · save 16%
Start 14-day trial
  • Unlimited transactions
  • Unlimited bank/UPI/card links
  • Unlimited receipt scans
  • Full GST tracking + RCM
  • Section 44ADA worksheet
  • ITR-3 PDF + XLSX export
  • Email + chat support

CA-Ready

For high earners + agencies
₹ 999 / month
Includes 30-min CA call quarterly
Talk to sales
  • Everything in Pro
  • Dedicated CA review & filing
  • Quarterly tax planning call
  • Quarterly GSTR-3B filing
  • ITR-3 filed & signed
  • Priority support · 4hr SLA
  • IT-notice response support
Loved by

2,400+ Indian freelancers who don't fear March anymore.

Designers in Bangalore, devs in Bombay, writers in Delhi, illustrators in Kochi. Different work, same problem — figuring out their own taxes.

★ ★ ★ ★ ★
"My CA actually thanked me. He used to spend two weeks reconstructing my year from WhatsApp screenshots. Now he gets one PDF and bills me less. Pays for itself."
AK
Aanya Krishnan
Product designer · Mumbai · ₹8L/yr
★ ★ ★ ★ ★
"As a dev working with US clients via Stripe, RCM on AWS and Figma always confused me. Stash In just handles it silently — flagged ₹38,000 of input credit I'd been missing for years."
RB
Rohan Bhasin
Backend engineer · Bangalore · ₹32L/yr
★ ★ ★ ★ ★
"Switched from a spreadsheet I'd been maintaining for six years. Stash In imported everything, recategorized using my notes, and caught three duplicate entries I'd been carrying. I'm a convert."
SM
Sara Mathew
Copywriter · Kochi · ₹12L/yr
★ ★ ★ ★ ★
"The receipt scanner is uncanny. Photographed a crumpled rickshaw bill in Mumbai rain — it extracted ₹47 and the date correctly. I no longer carry envelopes of paper."
DP
Devika Pillai
Illustrator · Bombay · ₹6.5L/yr
★ ★ ★ ★ ★
"I filed my ITR-3 in 11 minutes this year. Last year it took me a weekend and three Maggi packets. Whatever you charge is too cheap."
VS
Vikram Singh
Game developer · Pune · ₹18L/yr
★ ★ ★ ★ ★
"I went from terrified of March to mildly curious. The dashboard tells me how much to set aside each month — so I don't blow my advance tax on a long weekend in Goa anymore."
NK
Neha Kapoor
Brand strategist · Delhi · ₹22L/yr
Trust & compliance

Your data is safe. We're paranoid about it.

Read-only bank access via RBI Account Aggregator framework. AES-256 encryption at rest. SOC 2 Type II audited. We are physically incapable of moving your money.

RBI AA framework

Bank data fetched via Sahamati's regulated Account Aggregator pipeline. Read-only, revocable, encrypted in transit.

AES-256 at rest

All data — transactions, receipts, exports — encrypted with hardware-managed keys on AWS Mumbai (ap-south-1).

SOC 2 Type II

Annually audited by Deloitte. Penetration tested quarterly by Indian and US security firms. Reports available on request.

CA-grade tools

Built with input from 40+ practicing Indian Chartered Accountants. Output format matches ClearTax, Tax2Win, and standard Tally schemas.

FAQ

Questions we get asked.

If your question isn't here, write to us at [email protected] — usually replies within 4 hours.

Is my bank data really safe? Who can see it?+
We connect to your bank via the RBI-licensed Account Aggregator (AA) framework — the same one used by HDFC's loan apps and Razorpay's Magic. The AA shares your data with us in read-only mode, on a permission you can revoke from any UPI app in three taps. Internally, only two engineers (with rotating keys) can access production logs, and even they can't see your transaction descriptions in plaintext. We're SOC 2 Type II audited and host on AWS Mumbai. We never sell, share, or use your data for advertising.
Which banks and UPI apps do you support?+
All major Indian banks — HDFC, ICICI, Axis, SBI, Kotak, Yes Bank, IndusInd, IDFC First — and the entire UPI ecosystem (GPay, PhonePe, Paytm, BHIM, Cred). On the foreign side, we read Stripe, Razorpay, Wise, and Payoneer for export earnings. Cards from HDFC, ICICI, Axis, SBI, AmEx India, and HSBC are auto-imported via the AA. If your bank isn't supported, we have a CSV/Excel upload fallback that takes about 10 seconds.
Can my CA use Stash In with me?+
Yes — invite them as a read-only collaborator (no extra cost). They can review your books, leave comments on transactions, mark things for re-categorization, and download the ITR-3 / GSTR-3B exports directly. We have 600+ CAs in our verified network if you need one. On the CA-Ready plan, we pair you with a Stash-vetted CA who handles filing end-to-end.
How accurate is the AI categorization?+
On internal benchmarks across 12 lakh real transactions: 96.4% accuracy out of the box, climbing to 99.1% after you correct 20 transactions. We use GPT-4 with a custom fine-tune on Indian merchant data, and re-run categorization quarterly with the latest model. Every transaction has a confidence score, and anything under 80% is flagged for your review before going into your reports.
I already use Excel / Tally / ClearTax. Can I switch easily?+
Yes. Import any CSV, XLSX, or Tally export — our migration assistant parses it, infers categories from your existing notes, and de-duplicates against new bank pulls. Most users complete migration in under 15 minutes, including 3 prior years of history. You can also keep your current tool running in parallel for one cycle; we provide reconciliation exports to compare line-by-line. No lock-in: a single click exports your entire history back to CSV at any time.
What if I miss a GST filing deadline using Stash In?+
On Pro and CA-Ready, we send four reminders before each deadline (T-14, T-7, T-2, T-0) via email, WhatsApp, and push. On the CA-Ready plan, your dedicated CA files for you and we're liable for any late fees caused by our error (we've never had to pay one). On Starter, we send T-2 and T-0 reminders only.

Stop dreading March.

Free for the first 50 transactions every month. No credit card. No "limited time" pressure. Cancel and export anytime, in a clean format your CA actually likes.

Get started — it's free View live demo
● No credit card needed ● 14-day Pro trial ● Cancel anytime ● SOC 2 Type II