# My money

Your own spend, apart from your groups. It stays only on your phone.

## Turn on My money

1. On Home, tap **My money**.
2. Tap **Turn on My money**. Rata makes a **Personal** space.

## Add a company

Keep company spend apart from personal spend. Tap **+ Company**, type the company name and tap **Add company**. Each space shows only its own spend and its own month total.

## Add spend or a refund

1. Pick the space at the top, then tap **Add spend**.
2. Pick **Spend** or **Refund**, type the amount and the shop, and pick a category.
3. Tap **Save**. A refund takes money off the month total.

Tap a line to change it or to delete it. You can also move it to another space.

## Import a statement

1. Pick the space, then tap **Import**.
2. Pick the PDF or CSV of a card or bank statement. If the PDF is locked, type its password. Your bank's email tells you the password format.
3. Rata shows the new lines, the credits, and the lines that are already in. Tap **Add**.
4. Tap **lines to check**. Tap a line to change the shop name, the category or the space, or tap **Accept all**.

A card bill payment shows as **Not spend**, so it does not count in the month total. A credit for a return is a refund. Import the same statement again and Rata adds no lines twice. The file and the password stay on your phone. Rata does not keep them.

## Spend that you shared with friends

You paid the dinner for four on your card, and friends pay you back. Open the line. If the dinner is in one of your groups, Rata shows it under **Shared**. Tap it to link it, and Rata fills in your part. You can also type your part. The month total then shows only your part.

## Company claims and your payslip

1. In a company space, tap **Claims**. Each spend is a claim.
2. When you send claims to the company, select them and tap **Mark claimed**.
3. When your payslip comes, tap **Match payslip**. Pick the month and type the amount on the "Reimbursements" line.
4. If the claims add up to the amount, Rata shows which ones. Tap **Mark paid**. If nothing adds up, Rata shows the difference in red, so you can find the missing or cut claim.

## See your UPI spend

After you import a bank statement, My money shows **UPI spend**. Tap it to see how much went to shops and how much to people this month, and to whom. If a person is in one of your groups, Rata shows their name from the group. Rata compares on your phone only.

## Get statements from Gmail

1. Tap **Import**, then **From Gmail**.
2. Google asks if Rata can read your email. Allow it. Your phone reads Gmail directly. No email goes to our server.
3. Rata shows the statement emails with a PDF from the last year. Tap one, and type the PDF password if it asks.

The access ends when you close the tab or sign out. An email that you imported shows **Imported**. To remove the access, open your Google account, then **Third-party apps and services**.

## Rename, remove or delete

Tap the gear at the top. You can rename the space, remove a company, or delete all My money from this phone. A delete cannot be undone.

## Who can see it

Only you, on this phone. Rata does not send My money to our server, and your groups never see it. It is not on your other devices. If you clear the site data in the browser, it goes.