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