Expense Manager: SMS Offline

Expense Manager records your spending for you. When your bank or card sends an SMS alert, the transaction is added automatically: amount, merchant, card and category. No typing, no bank logins, no internet. PRIVATE BY DESIGN • The app has no internet permission. Your messages and transactions never leave your phone. • No account, no sign-up, no ads, no tracking. • Back up and restore to a file you choose. AUTOMATIC FROM SMS • New bank alerts are recorded the moment they arrive. • Import past messages from the last month up to everything in your inbox. • Credit cards, debit cards and bank accounts are created automatically from the bank name and last 4 digits. • Tracks the latest available balance or credit limit from each alert. • Credit card bill payments and BNPL repayments are treated as transfers, so spending isn't counted twice. • OTPs, offers, reminders, declined payments and personal messages are ignored. INSIGHTS AND BUDGETS • Dashboard with spending by category, daily trend and month-by-month view. • Overall and per-category monthly budgets. • Auto-categorization by merchant; recategorize once and the app remembers. • Balance check finds transactions missing between two bank balances. YOUR DATA, YOUR WAY • Search and filter all transactions; add, edit or delete them manually. • Custom categories with your own icon and color. • Export to CSV for Excel or Google Sheets. Works with bank SMS formats from the UAE (e.g. ADCB, Emirates Islamic, Tabby), India (e.g. HDFC, SBI, ICICI, Axis, IDBI) and US card alerts. Display currency is configurable. Why SMS access? Reading bank SMS is the app's core feature: it is how transactions are detected. Messages are processed only on your device and are never uploaded.

First release: automatic expense tracking from bank SMS, fully offline.