Kosh: Expense & Budget Tracker

Kosh is an expense tracker and budget planner that writes your spending down for you, straight from your bank and UPI SMS. Switch on auto-track and Kosh reads the bank, card, wallet and UPI alerts that already arrive on your phone, turns each one into a record and suggests a category from the merchant. Everything is parsed on the phone. Nothing is uploaded. OTPs and personal messages are ignored. AUTO-TRACK FROM BANK MESSAGES • Debits and credits are picked up as they arrive, with amount, merchant, account and date filled in. • Review each one with a tap: Add, Edit or Ignore. Or let trusted accounts add themselves. • Possible duplicates are flagged when you already typed the same amount by hand. • Notification access works as a fallback for apps that notify instead of texting. • Scan the last 90 days of messages for free to start with a full picture. ADD CASH IN TWO TAPS • A built-in keypad with + − × ÷ so a split bill is typed as 1200 ÷ 3. • Expense, income and transfer. A transfer can carry a category and count toward a budget. • Repeat daily, weekly, monthly or yearly for rent, salary and subscriptions. • The amount line tells you how much of the budget is left after this record. BUDGETS WITH SUBCATEGORIES • Food can hold Groceries, Cafés and Dining out. Transport can hold Fuel, Taxi and Metro. • Subcategories roll up to their parent budget, and the overall card says what is safe to spend per day. • Create your own categories and subcategories with icons and colours. CLEAR REPORTS • Week, month, year or any two dates. • Category share, six-month cash flow, top merchants and spend per account. • CSV export is free. ACCOUNTS AND NET WORTH • Unlimited accounts: cash, bank, cards, wallets. • Investment accounts with a current value you update yourself. YOUR DATA STAYS YOURS • Works fully offline. No sign-up, no Kosh account. • Optional daily backup to your own Google Drive, in a private app folder only Kosh can see. Restore it on a new phone in one tap. • Or back up to a plain file you keep yourself. • Lock Kosh with your fingerprint, face or screen lock. • Light and dark themes, sound and haptic switches, an optional 7 pm reminder. HOME-SCREEN WIDGETS • Today: what you spent today, with a one-tap Add button. • This month: net, income and spending, plus payments waiting for review. • Budgets: your three busiest budgets at a glance. EASY START • A short guided setup: pick your currency, add your accounts, take a quick tour of each screen. COINS, NOT A SUBSCRIPTION Check in daily to earn coins. Spend them on a day without banners or a full-year message scan. Core tracking is free and unlimited. Use Kosh as a daily expense tracker, a monthly budget planner or a simple money manager. Kosh is free and supported by a small banner ad. No full-screen interruptions. Kosh uses the SMS permission only to detect transaction alerts for expense tracking, with your permission, and never sends messages.

UPI ATM withdrawals are now recorded automatically.