Smart Wallet: Expense Tracker

Smart Wallet is a private, offline-first money manager that helps you track every rupee — income, expenses, budgets, savings goals and bills — without accounts, ads, or tracking. Your data stays on your device. WHY SMART WALLET • Offline-first & private — all your financial data is stored locally on your phone. No sign-up, no cloud account, no ads. • AI-powered insights (optional) — bring your own API key (OpenRouter, Anthropic or OpenAI) to get personalised spending analysis and savings tips. • Built for India — defaults to ₹ INR, with 11 other currencies supported. TRACK EVERYTHING • Log income and expenses in seconds with smart categories. • Scan receipts with your camera — text is recognised on-device to pre-fill entries. • Add entries by voice using on-device speech recognition. • Set monthly budget limits per category and savings goals. • Keep on top of recurring bills and subscriptions. STAY ON TRACK • Daily reminders to log your spending (12:00 PM & 8:00 PM). • Budget alerts when a category nears its monthly limit. • A daily insight summarising your finances with a personalised savings tip. UNDERSTAND YOUR MONEY • Beautiful charts and a financial health score. • Monthly PDF reports you can save or share. • Full CSV backup & restore — move your ledger to a new phone anytime. PRIVATE & SECURE • Lock the app with a 4-digit PIN and optional biometric unlock. • Your PIN and data never leave your device. • AI features are off until you choose to enable them with your own key. Smart Wallet keeps your finances simple, private, and entirely in your control.