CapSTEP is built around one idea: every rupee should be visible in one place. Here's how the pieces fit together — from the moment you add your first bank account to the day you close a home loan.
1. Accounts
Add every account you own — savings, wallet, cash, credit card. Each account carries a balance; credit cards carry a limit so CapSTEP can compute your available credit automatically.
2. Transactions
Log spends and income against an account, category and (optional) payment medium — GPay, PhonePe, Cred, card, direct debit. Balances update automatically via database triggers, so numbers stay honest.
3. Transfers, Loans, Debts, Payables & Receivables
Move money between accounts, track loans you've taken or given, and never lose sight of who owes whom.
A typical month inside CapSTEP
4. Analytics
Category-wise trends, net-worth graphs, budget progress, and month-over-month comparisons — no spreadsheets required.