Coffr

Coffr is an expense tracker and budget planner that logs your UPI payments and bank SMS spends automatically — no bank login, no linked account, no data ever leaving your phone. Just an honest, fast way to see where your money goes. Most money manager apps ask you to connect your bank account or upload statements to a server. Coffr doesn't. Every transaction, budget, and insight is calculated and stored entirely on your device using local SQLite storage — there's no backend, no account creation, and nothing to hack. AUTOMATIC SPEND TRACKING • Reads your bank & UPI debit SMS on-device and logs transactions automatically — no manual entry needed for everyday spends • Smart merchant categorization learns your spending patterns and auto-tags categories like Food, Shopping, Transport, and Bills • Review and confirm auto-detected transactions in one tap, or edit them before they're saved BUDGETS THAT ACTUALLY HELP • Set monthly budgets per category and track them with visual progress • See your safe-to-spend-per-day number so you always know where you stand before the month ends • Smart reallocation suggestions when one category runs over and another has room SPENDING INSIGHTS • Six-month spending trend and cumulative monthly pace, side by side • Category breakdown so you instantly see your top spending areas • Weekly spending rhythm — find out which days you overspend • Payment method breakdown across UPI, cards, and cash • Merchant frequency nudges for recurring spends you might not have noticed SPLIT EXPENSES & SETTLEMENTS • Split any expense and track who owes what • Pending settlements are surfaced automatically so nothing slips through QUICK MANUAL LOGGING • A fast numpad-first entry flow for cash spends and anything SMS can't catch • Natural-language quick entry — type "300 lunch swiggy" and Coffr fills in the rest • Tag every expense with a category and payment method (UPI, card, or cash) STAY ON TOP OF IT • An optional daily reminder nudges you to log spends before you forget • Export your full transaction history to CSV anytime, for your own records or a spreadsheet deep-dive PRIVATE BY DESIGN Coffr never asks for your bank credentials and never connects to your bank. SMS parsing, categorization, and every calculation happen locally on your phone. Your transactions, merchant names, and spending data are never uploaded, sold, or shown to advertisers — there are no ads and no hidden subscriptions. Whether you're building a monthly budget, tracking daily UPI spends, or just tired of losing track of where your salary went, Coffr is a lightweight expense tracker, budget app, and spend tracker built for how Indians actually spend money — one UPI payment at a time. Free to use. No sign-up required. Your data, your device, your business.