AI Passbook

AI Passbook turns the bank and UPI messages your phone already receives into a complete picture of your money — automatically, and without sending your ledger anywhere. Most expense trackers ask for your spending history or your bank login. This one asks for neither. Your transactions live on your phone in an encrypted database and stay there. No account to create, no server holding your records, no ads and no analytics. AUTOMATIC TRANSACTION DETECTION Bank, UPI, credit card and wallet messages become transactions on their own — payee, amount, category and account filled in for you. Parsing happens entirely on your phone; nothing is uploaded. One-time passwords are recognised and discarded before anything is extracted from them, so an OTP never becomes a record and is never stored. SMS detection is optional. Skip it at setup, or switch it off later, and enter transactions yourself. SAVINGS COUNTED AS SAVINGS A SIP is money you still have, not money you spent. AI Passbook sorts every rupee into spending, savings, income and transfers — so buying a mutual fund does not look like a shopping spree, and a matured deposit does not look like a payday. • Budgets that say what is left, not just what is gone • Goals with progress you can feel • Regulars — every repeating payee in both directions: subscriptions, EMIs, SIPs, rent, salary, interest • Charts that answer a question instead of decorating the screen AI INSIGHTS THAT RUN ON YOUR PHONE Plain-language observations about your spending — what rose, what is unusual, how much you kept. Ask a question in ordinary words and get an answer. All of it is on-device logic: no LLM, no network call, nothing sent anywhere to be analysed. SPLIT EXPENSES WITH FRIENDS Shared groups for trips, flatmates and dinners, with settlement suggestions that minimise the number of payments. This is the one feature that syncs, and only the group expenses you deliberately add — never your personal ledger. EVERYTHING ELSE • Receipt scanning with on-device text recognition • PDF reports for any period, including Indian financial years • Encrypted backups locked with a passphrase you choose • Teach the app where a payee belongs once, and it files them there from then on • PIN and biometric lock • Dark theme PRIVACY, PLAINLY • Your transaction data never leaves your phone • Encrypted on device with SQLCipher (AES-256), the key held in the Android Keystore • OTPs and verification codes are recognised and discarded — never parsed, never stored • No ads. No analytics. No crash reporting. No trackers. No advertising ID. • No account required to use the app • Shared-group expenses are the one exception, and only if you use them Full policy: https://sites.google.com/view/aipassbook-privacy-policy MADE FOR INDIA Rupees, lakhs and crores. Financial years that start in April. The banks, UPI apps and wallets people here actually use.