Hindsight connects to your email accounts, reads five years of transactional email, and builds one ledger across INR and USD. It catches the subscriptions you forgot. It drafts the negotiation emails you never write. It tells you when you are paying for two services that do the same thing. Built for operators who live in both India and the US. No bank connection required to start.
Both have been auto-debiting since October. 84% of your AI-related email forwards in 90 days reference Claude. ChatGPT has not been touched in 41 days.
Your transactional email already knows everything. Hindsight just reads it, organizes it, and tells you what to do.
Gmail and Outlook, OAuth, read-only by default. You can connect three personal accounts and a business account. We never touch send unless you opt in later for negotiation drafts.
Connect as many inboxes as you have. Personal Gmail, work Gmail, university Outlook, business domain, all read-only.
Bank alerts, UPI confirmations, card statements, receipts, GST invoices, SaaS billing notices. A three-stage parser combines rule-based extractors for known senders, an LLM for the long tail, and OCR for PDF receipts inside emails.
Initial backfill takes four to eight hours per account. Incremental sync every 15 minutes after that.
Every transaction lands in a single ledger with the original amount, the INR equivalent at the RBI rate on the payment date, and source provenance. Cross-border transactions get the right FX treatment without you having to think about it.
Optional Plaid (US) and Setu AA (India) connections fill any bank-side gaps that email did not cover.
Subscriptions and EMIs get clustered. Zombies (paid for, never used) get flagged. Duplicates (two services doing one job) get surfaced. Anomalies get caught in real time. Tax-deductible business expenses get categorized for both jurisdictions.
Insights run daily at 7 AM in your timezone. Severity 1 to 10. No generic advice.
Each insight ships with a one-click action: cancel via deep link, send a DPDP erasure notice, approve a drafted negotiation email, prepay an EMI, re-categorize for tax. The dashboard is the smallest part of Hindsight.
Cumulative savings since you started: visible at the top of the insights page, audit-trailed.
Paid >12 months, no related email activity in 90 days. We surface them with one-click cancel.
Sample: Google One 2TB, last sign-in 187 days ago
Two tools doing one job. ChatGPT Plus + Claude Max. Dropbox + Google Drive. Notion + Coda.
Sample: You pay for both AWS S3 and Backblaze for the same backup
Every credit card you own, all statements, all due dates. Push, email, WhatsApp reminders at 7, 3, 1 days and on the day.
Sample: Amex Platinum due today, autopay is off
Modeled against your forecast. Tells you exactly which loan to prepay, when, and how much interest you save.
Sample: Rs 5L on Axis home loan in July saves Rs 4,12,800
Dual-jurisdiction. US 1040-NR plus India ITR. Business expenses through Section 37. CA-ready PDF for your filing.
Sample: Rs 2,18,400 in software expenses, ready for your CA
Two standard deviations from your vendor or category mean. New vendor with high amount. Card charged from a foreign IP.
Sample: Uber spend 4.2x your weekly average, confirm category
When you have tenure and the vendor has a credit lever, we draft the email referencing your full history. You approve and send.
Sample: AWS retention email, Rs 41,652 potential savings, ready to send
Compare your blended cross-border spread against Wise, IndusInd USD card, and InteractiveBrokers. Tells you when to switch rails.
Sample: Routing USD via Wise would save Rs 14,200 a year
Monte-carlo against your recurring patterns. Confidence intervals. Scenario modeler for prepayments and big purchases.
Sample: Projected balance in 60 days: Rs 14.8L (Rs 12.8L to 16.8L)
Ten or fewer per day, all severity-ranked. Each ties to a real transaction. Each ships with an action.
Sample: Average user acts on 4 of 7 insights per week
Every insight cites the underlying transactions, vendor, and time window. No generic advice. No "consider tracking your expenses."
You have been on both Anthropic Claude Max ($200/mo) and OpenAI ChatGPT Plus ($20/mo) for 7 months. Combined: Rs 18,361 per month. Last 90 days of activity in your email shows 84% of your AI-related forwarded threads referenced Claude, 11% ChatGPT. The ChatGPT subscription has not been touched (no app or web activity flagged in any digest) in 41 days.
Your Google One 2TB plan has been auto-debiting Rs 590/mo since May 2024. Last sign-in to drive.google.com (per OAuth audit) was 187 days ago. Your iCloud 2TB plan absorbs the same use case. Cancel link is in the Google account settings, deep-link below.
Dropbox Plus is debiting $19.99/mo via your HDFC ****3041. You have not logged in since 04 Jan 2026. Across your three Gmail accounts, no Dropbox shared-link emails have arrived in 5 months. Annual cost: $240 (Rs 20,028). Cancellation is one-click via the deep link.
You are 60 EMIs into a 240-month Axis home loan at 8.7% with Rs 38.4L principal remaining. Forecast shows Rs 14.2L in liquid savings by 31 Jul 2026. A Rs 5L partial prepayment in July would shave 38 months off the tenure and Rs 4,12,800 from total interest paid. Banks must waive prepayment penalty on floating-rate home loans per RBI rules.
That user is the founder. He reads every email-account permission grant carefully and would not give his own data to a SaaS that treated it casually.
Read the full security model →We request the Gmail and Outlook read scopes only. Send scope is opt-in, used exclusively for negotiation drafts you approve.
Postgres, Redis, workers, all on our own Hostinger VPS in the Mumbai region. No cloud middleman holds your data.
OAuth tokens and PII columns encrypted with libsodium and per-user keys derived via Argon2 from your password.
Grievance officer appointed. Right to erasure honored within 30 days. No data sold to third parties, full stop.
Anthropic for parsing only (with PII-stripped prompts where possible). Plaid for US bank. Setu for India AA. Resend for email. Backblaze for encrypted backups. That's it.
Full ledger export as CSV and JSON, anytime. Account deletion triggers a 30-day countdown to scrubbed backups.
The average Pro user, over a calendar year, finds Rs 84,000 in identifiable savings (zombie subs, FX optimization, EMI prepayment). Pro pays itself back in the first 14 days of use.
For someone curious about what their inbox holds.
For an operator who wants the full picture and the negotiation drafts.
For dual-residents who file taxes in two countries and want the CA-ready file.
“Preparing Indian and US tax filings in the same week shouldn’t cost you a Sunday lost to a CSV file and a calculator. The data is already in your inbox. The work is assembling it. Hindsight is the assembler.”
It connects to your Gmail and Outlook accounts (read-only), reads up to five years of transactional email (bank alerts, UPI confirmations, card statements, SaaS billing notices, GST invoices), builds one unified ledger across INR and USD, and runs ten kinds of pattern detection on it. The output is a daily list of insights with one-click actions: cancel a zombie subscription, approve a drafted negotiation email, prepay an EMI, categorize a transaction for tax.
Sign up free with your Google or Microsoft account. Hindsight scans the last twelve months of email on the free tier, the last five years on Pro. No credit card needed to start. The first useful insight usually arrives inside the first hour of the initial sync.
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