Vytra Live

Your money, clearly. Vytra turns your bank's transaction SMS into a live, private picture of your finances — automatically, entirely on your phone. WHAT IT DOES • Automatic import — bank debit and credit SMS become transactions you confirm with one tap. No bank passwords, no account linking, no manual typing. • Real balance — a reconciled Current Balance that matches your bank, plus income, expenses, liabilities and investments at a glance. • Credit cards — statement-anchored outstanding and utilisation that actually move when you pay your bill. • Debts and lending — loans, EMIs, borrowings and money lent to friends, tracked to the rupee. • Financial Intelligence Score — a live score, your break-even point, and plain-English insights into where your money goes. • Tap any spending category to see every transaction inside it. • Privacy toggle — hide every amount on screen with one tap, so you can show someone the app without showing them your finances. • Cloud backup and sync — sign in and every change is backed up to your own private space; restore on any device. Local CSV and JSON backups too. WORKS WITHOUT SIGNAL Vytra is built local-first. Your numbers appear the moment you open the app, with or without a connection. Nothing waits on the network, and nothing changes behind your back when you reconnect. PRIVATE BY DESIGN • Your SMS never leaves your device. Vytra reads bank transaction SMS on-device only to detect transactions — the content is never uploaded, transmitted, or shared with anyone. • Your data is row-locked to your account. No other user can see it. • No ads. No trackers. No data selling. No third-party marketing. HOW IT WORKS Grant SMS access, and Vytra scans your bank and UPI messages on your phone, extracts each transaction — amount, merchant, date — and shows them in a Review screen. You confirm what to add. Nothing is saved without your say-so. From there your balance, insights and score update automatically. Manual entry is always available if you prefer to add transactions yourself. PRICING 45-day free trial. After that, ₹99/month or ₹999/year, billed through Google Play. When your trial ends, you are never locked out of your own records. Vytra switches to read-only: every transaction stays visible, searchable and exportable to CSV, JSON or PDF. Subscribing turns adding, importing and syncing back on. Vytra is a personal money-management tool. It is not a bank, a lender, or a financial adviser, and it does not move money or connect to your bank accounts.