Expense Tracker

Expense Tracker turns the bank and UPI SMS you already receive into a clear, categorised record of your spending. Set budgets, see where your money goes and plan the month ahead, with no account, no ads and no internet connection. How it works • When a bank, card or UPI transaction SMS arrives, Expense Tracker reads the amount, merchant and date, suggests a category and asks you to confirm. Nothing is added until you say so. • When you first allow SMS access, it also finds the transactions already in your inbox, so you can start with your recent history. • Promotions, one-time passwords and failed payments are ignored, and a message you've already added or discarded never comes back. • Prefer typing? Add cash spending and income by hand in seconds. Budgets that warn you early • Monthly and category budgets, with an alert when you reach 80% and again when you go over • A month-end forecast based on how you actually spend. Rent and EMIs count once, not every day. • Carry unused budget into the next month See where your money goes • A monthly dashboard with your balance, income, expenses, savings and budget at a glance • Top merchants, a spending calendar, category breakdown and weekly spending • Six-month and yearly trends, with month-by-month and category comparisons • Insights when a category's spending jumps compared with last month Plan ahead • Recurring bills and salary (weekly, monthly or yearly), with a reminder two days before a bill is due • A monthly savings goal • Cash, bank and card accounts, transfers between them, and your net worth over 12 months • Lent and borrowed: keep track of money you've lent to or borrowed from people Private by design • 100% offline. The app has no internet permission, so it can't send your data anywhere. • No sign-up, no ads, no analytics, no tracking. • Optional App lock with a PIN, fingerprint or face. While it's on, screenshots and the Recents preview are blocked. • Back up whenever you choose, optionally protected with a password, or export a CSV spreadsheet or a PDF statement. Also included • Scan a paper bill with on-device text recognition • Search with date ranges, tags, split transactions and bulk edit • Home-screen widgets, plus shortcuts to add an expense or income • Find and remove duplicate entries • Light and dark themes with 7 accent colours • English and Hindi, with ₹ (lakh and crore formatting), $, €, £, ¥ and AED SMS access is optional. Without it, every other feature works with manual entry.