SMS Finance Live

SMS Finance automatically reads your bank SMS and extracts transactions — no manual entry needed. All AI processing runs entirely on your device. Your financial data never leaves your phone. SMART SMS PROCESSING • AI classifies SMS into transactions, personal, OTP & promotions • Extracts amount, merchant, date, account number from bank messages • Supports UPI, NEFT, IMPS, RTGS, credit/debit cards, wallets • Works with HDFC, SBI, ICICI, Axis, Kotak, PNB, BOB & 10+ Indian banks • Learns your UPI vendors — tag once, auto-categorizes next time FINANCIAL DASHBOARD • Real-time income, expense & balance overview • Spending breakdown by category with pie charts • Payment method analysis (UPI vs Card vs Wallet) • Period filters: Today, This Week, This Month, Last Month • Budget tracking with 90% threshold alerts TRANSACTION MANAGEMENT • View detailed transaction info with original SMS • Edit merchant name & category for better tracking • Mark duplicate transactions to exclude from totals • Add expenses manually for cash payments • Scan receipts with OCR — extracts total & merchant automatically SMART FEATURES • Recurring payment detection (EMIs, subscriptions, rent) • Upcoming payments shown on dashboard • Bill reminders with auto-match when payment SMS arrives • Transfer deduplication for credit card & loan payments • Vendor learning from UPI VPA identifiers PRIVACY FIRST • All AI models run 100% on your device • Zero data sent to any server — ever • No analytics, no ads, no tracking • Encrypted backup with AES-256 encryption • Your financial data stays yours BUILT-IN MESSAGING • Full SMS app — send, receive & search messages • Smart inbox filters: Transactions, Promotions, OTP, Personal • Contact integration with conversation threads • Set as default SMS app for complete functionality OCR RECEIPT SCANNER • Scan paper bills & receipts with your camera • AI extracts total amount, merchant name & date • Receipt images saved locally for future reference • Works with restaurant bills, grocery receipts & more BACKUP & RESTORE • Create encrypted backups on your device • Restore on a new phone with password • Auto-backup option (weekly or monthly) BUDGET MANAGEMENT • Set monthly spending limits per category • Visual progress bars show budget usage • Alerts when spending reaches 90% of limit • Tap any category to set or edit budget instantly SMS Finance uses on-device AI models (~200 MB one-time download) for intelligent SMS classification and transaction extraction. No internet required after initial model download. Permissions used: • SMS — Read bank messages for transaction extraction • Contacts — Display names in conversations • Camera — OCR receipt scanning • Storage — Encrypted backups • Internet — One-time AI model download Download SMS Finance and take control of your finances — privately.