YM Squared

YM² — Your Money Matters Track. Understand. Grow. Stop manually logging every transaction. YM Squared reads supported bank SMS notifications and turns them into organized transactions — automatically, privately, and on your device. ✓ Automatic SMS tracking — Detects transactions from supported bank messages, tuned for Indian banking formats. ✓ 100% on-device — No account or sign-up required. Your financial data is processed on your device and isn't sent to a cloud account. ✓ Smart categorization — Automatically categorizes transactions and remembers your corrections. Categorize an unrecognized merchant once, and YM Squared can apply that choice automatically next time. ✓ Approval queue — Review detected transactions before they're saved, so you stay in control. ✓ Budgets — Plan how much you want to spend in each category, allocate money from your Money Pool, and track your spending against your plan. ✓ Goals & Reserves — Set money aside for things you want to achieve and expenses you know are coming. ✓ Payments & obligations — Keep track of recurring payments and upcoming financial commitments. ✓ Safe to Spend — Understand how much money is available after accounting for planned commitments, goals, and reserves. ✓ Cash flow at a glance — See income, expenses, net cash flow, and savings rate in one view. ✓ Reports — Understand your spending and export your financial history. ✓ Full control — Edit, delete, search, and filter your transactions. Turn off SMS detection whenever you want. ✓ No ads, no trackers — Your financial management experience stays focused and private. Your Money Matters — and so does your privacy.