Loggi: Expense Tracker

Loggi is a 100% offline, privacy-first expense tracker and personal finance manager that automatically reads bank and UPI SMS messages — so you never have to type a transaction manually again. Whether it’s a UPI payment, a credit card swipe, a salary deposit, or a cash withdrawal, Loggi instantly detects it, categorizes it on-device, and updates your balances in real-time. Zero account signups. Zero cloud syncing. Zero ads. Zero trackers. Your financial data is encrypted and never leaves your device. ✨ KEY FEATURES 🔄 Automatic Bank & UPI SMS Detection • Supports all major Indian banks and financial institutions (HDFC, SBI, ICICI, Axis, Kotak, PNB, etc.). • Automatically logs debits, credits, refunds, and UPI transfers with instant parsing. • Automatically strips OTPs and non-financial promotional spam. 🤖 Offline AI Assistant (Private & On-Device) • Ask natural questions: "What is my net worth?", "How much did I spend on Food this month?", or "Who owes me money?". • Log expenses or income directly through chat ("Add ₹250 for coffee via HDFC"). • 100% on-device Natural Language engine — runs completely offline without sending your prompts to the cloud. 📂 Smart Auto-Categorization & Custom Rules • Intelligent on-device categorization engine automatically matches merchants to Food, Shopping, Travel, Bills, Entertainment, Health, and more. • Create custom keyword rules (with multi-condition AND/OR rules) and tap-to-select word tokens directly from SMS text. • Quick swipe-to-categorize from Home and Transaction lists. 📊 Bento Spending Grids & Visual Analytics • Beautiful modern Bento-grid spending breakdown with customizable monthly and annual filters. • Understand your cash flow and spending trends with interactive charts. • Option to hide amounts for privacy when viewing in public. 💰 Multi-Account & Net Worth Management • Track bank savings accounts, credit cards, cash in hand, and wallets in one unified dashboard. • Automatically track available credit limits and outstanding credit card balances. 📅 Multi-Category Budgets & Alerts • Set monthly and annual budgets for single or grouped categories. • Get smart visual warnings (80% warning and over-budget alerts) to stay on track. 📉 Loans & EMI Tracker • Track personal loans, home loans, vehicle EMIs, and education loans. • View remaining principal, interest rates, tenure, and monthly EMI commitments. • Link transactions directly to active loans. 🔁 Subscriptions & Recurring Autopay • Never miss a recurring bill or subscription (Netflix, Spotify, broadband, gym). • Automatic detection of upcoming due dates with total monthly commitment summaries. 🤝 Split Expenses & Group Settlements • Split bills, trips, and shared household expenses with friends and flatmates. • Smart settlement engine calculates who owes whom with minimal transactions. 🎯 Savings Goals & Portfolio • Set targets for your dream purchases (vacations, gadgets, emergency funds). • Track offline investments (stocks, mutual funds, gold) and net gain/loss performance. 👥 Debts & IOUs Ledger • Keep a clean record of money lent to or borrowed from contacts with due date reminders. 📦 Encrypted Backups & Offline Export • Export your full transaction history to CSV/Excel anytime. • Create AES-256 encrypted backup • Seamless one-tap restore that brings back your categories, themes, and accounts. 🕐 Historical SMS Scanner • Scan past bank SMS messages upon setup to build your complete financial history instantly. 📴 100% Offline & Private • No internet connection required. • No analytics, no telemetry, and no third-party SDKs. 🛡️ Permissions Transparency: • READ_SMS & RECEIVE_SMS: Used strictly on-device to auto-detect and log your financial transactions. Messages are never stored on any cloud server or shared with third parties. • BIOMETRICS: Used to lock and protect access to the app.