Understand Every Rupee You Spend

3AM automatically organizes transaction emails into a beautiful dashboard so you can track spending, monitor credit cards, discover insights and never miss a payment.

4 MonthsHistory
50+Categories
100%Read-only

Dashboard

Everything You Need

💳 Credit Cards

Track statement dates, due dates, minimum due and outstanding balances.

📧 Gmail Sync

Securely read transaction emails after your permission using Google OAuth.

📊 Smart Analytics

Monthly, yearly and category-wise spending insights.

🔎 Merchant Search

Search transactions instantly by merchant, amount or category.

🏷 Auto Categories

Food, Shopping, Fuel, Bills, Travel and many more.

📅 Monthly Reports

Compare the last four months with easy-to-read charts.

🔔 Due Reminders

Stay ahead of your payment deadlines.

☁ Secure Cloud

Your information is encrypted during transmission and storage.

How 3AM Works

1

Sign in

Authenticate securely using Google.

2

Permission

Grant read-only Gmail access.

3

Processing

We identify transaction emails and organize them.

4

Insights

View reports, reminders and spending trends.

Security First

OAuth 2.0

Industry standard authentication.

Read-only Access

3AM cannot transfer money or modify emails.

Encryption

Data is protected using secure connections.

No Banking Credentials

We never ask for net banking passwords, PINs or OTPs.

Privacy Promise

We Collect

  • Email address
  • Transaction email metadata
  • App preferences

We Never Collect

  • Bank password
  • UPI PIN
  • Card PIN
  • OTP

Why

Only to generate financial insights, reminders and reports.

Frequently Asked Questions

Can 3AM access my bank account?

No. It analyzes transaction emails only after your consent.

Can 3AM transfer money?

No. The application has no money transfer functionality.

Can I delete my account?

Yes. You can permanently delete your account and associated data.

Which banks are supported?

Any bank that sends transaction emails in supported formats.