Vault Spend

Vault Spend is a personal expense tracker that automatically detects and logs your transactions from bank and payment SMS alerts — no manual entry required for most of your spending. HOW IT WORKS Vault Spend reads incoming SMS from your bank, UPI apps, and wallets to identify financial transaction alerts (debits, credits, payment confirmations) and instantly turns them into categorized expense or income entries. Only messages recognized as financial transactions are converted into records — everything else is ignored. All parsing happens on your device; your SMS content is never uploaded anywhere. KEY FEATURES • Automatic Transaction Detection Reads bank/UPI/wallet SMS alerts and logs transactions for you automatically. • Smart Categorization Transactions are automatically sorted into categories like Food, Transport, Shopping, Bills, and Health, with the ability to correct and teach the app your preferred categories over time. • Budgets & Alerts Set monthly budgets per category and get notified as you approach your limits. • Bill Reminders Never miss a due date — Vault Spend can detect upcoming bills from SMS and remind you before they're due. • Analytics & Insights Visual breakdowns of your spending by category, trends over time, and a calendar view of your daily activity. • Voice & Manual Entry Add transactions by speaking naturally (e.g., "Spent 500 on food at Zomato") or enter them manually when SMS isn't available. • Receipt Scanning Snap a photo of a bill or receipt and let on-device text recognition help fill in the details — no cloud upload required. • App Lock & Privacy Protect your financial data with biometric (fingerprint/face) or PIN app lock, and screen-recording/screenshot protection on sensitive screens. • Optional Encrypted Backup Back up your data to your own Google Drive with AES-256 encryption using a password only you know. Fully optional — off by default. • Export Anytime Export your transaction history as CSV, or create an encrypted backup file, whenever you want. Your data, your control. YOUR PRIVACY MATTERS Vault Spend requests SMS access solely to detect financial transaction alerts and automatically log your expenses — this is core to how the app works. Your SMS content, receipts, and transaction data stay on your device by default and are never sold or shared with advertisers. Optional cloud backup is encrypted and goes to your own Google Drive account, not our servers. See our full Privacy Policy for details. Vault Spend is not affiliated with, endorsed by, or officially connected to any bank, payment provider, or financial institution. Bank and UPI SMS formats are parsed for personal transaction-tracking purposes only. Take control of your money — automatically, privately, and securely — with Vault Spend.