Koshpal

Koshpal is a smart, secure, and fully offline money management app that helps you understand, manage, and improve your money habits without sending any data online. It’s built with strong privacy in mind. Koshpal automatically finds your bank payment messages, tracks at least 7 out of 10 transactions accurately, and gives you clear views of your spending and income. Automatic SMS-Based Payment Tracking :- Koshpal reads only bank-related SMS on your phone to record income and expenses automatically. • It finds payment messages right away. • Tracks at least 7 out of 10 transactions without you doing anything. • It doesn’t read OTPs, personal messages, or non-financial SMS. • All SMS analysis happens offline on your phone. This makes financial tracking reliable and private without needing an internet connection. Smart Insights, Suggestions & Visual Reports :- Koshpal helps you better understand your money with • Suggestions based on how you spend. • Easy-to-read charts showing income vs. expenses. • Breakdowns by category and bank. • Graphs, summaries, and clear reports. • Tips to help you save more and spend wisely. You can get a clear view of your financial habits quickly. Day-to-Day Reminders :- Don’t miss important payments again. • Set reminders for sending money to others. • Get alerts about upcoming transactions. • Use calendar integration for scheduled notifications. Koshpal helps you stay on top of your daily financial tasks. Manual Entry Support:- If you prefer to control things manually, that’s fine too. • Add income, expenses, notes, and categories. • Edit or adjust entries that are automatically detected. • Full flexibility for your own way of tracking finances. Designed for Privacy — Fully Offline & Secure:- As a privacy-focused fintech app, Koshpal never uploads, stores, or sends your financial data anywhere. Your data stays on your device—100% offline. • No cloud storage. • No external servers. • No data sharing for analytics. • No ads and no selling of your information. • SMS content never leaves your phone. We only ask for essential permissions (like SMS, Notifications, and Calendar) when needed. Every permission has a clear reason, and none is used for tracking or advertising.