CardaMon: SMS Expenses & Cards

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About this app

CardaMon is an automated SMS-based financial transaction and expense management app.

⚡ AUTOMATIC BANK SMS EXPENSE LOGGING (100% PRIVATE & ON-DEVICE)
• Instant Transaction Logging: Automatically captures debits, UPI spends, and credit card swipes right as bank alerts arrive.
• One-Tap Direct Save: Approve or categorize incoming transactions directly from Android notifications without even launching the app.
• 100% Local Processing: Your SMS messages are parsed strictly locally on your device inside an isolated sandbox. Personal texts, contacts, and OTPs are never touched, never uploaded, and never shared.

💳 ALL YOUR CREDIT CARDS IN ONE SECURE PLACE
• Manage card limits, billing cycles, payment due dates, and grace periods.
• No need to hop between 10 different bank applications.
• Track annual fee waiver milestones and anniversary renewals so you never pay unexpected charges.
• Monitor domestic and international airport lounge visit quotas across all your cards.

🎁 INTELLIGENT REWARD & CASHBACK TRACKER
• Automatically calculates reward points and accelerated cashback percentages based on merchant categories (Dining, Travel, Fuel, Online Shopping).
• Know which card gives the highest cashback before you swipe.
• Track point accumulation and upcoming expiry dates across your card portfolio.

📊 ACTIONABLE FINANCIAL INSIGHTS & REPORTS
• Interactive breakdown of monthly spends, categories, and account balances.
• Visual milestone trackers for spend-based fee waivers.
• Export comprehensive Tax-Ready Ledgers (CSV) and full portable JSON backups anytime.

🛡️ UNCOMPROMISED PRIVACY & SECURITY
• Zero ads, zero spam, and zero data brokering.
• Offline-First Engine: Works smoothly without internet connectivity.
• Biometric Lock: Protect your financial dashboard with fingerprint or face authentication.

💎 ZeroLoss™ — Silent Bank Fee Audit & 1-Tap Reversal
• Scans your statements/SMS for sneaky charges: uncredited fuel surcharge GST, international DCC markups (1% + 18% GST on Uber, Netflix, Steam), and unannounced annual fees. It auto-generates a 1-tap grievance email pre-filled with RBI Master Directions and your transaction reference for an immediate reversal request.

CSV Statement Import:
📄 1-Tap Bank Statement Import: Bulk import CSV statements from HDFC, SBI, ICICI, Axis & more with zero duplicate transactions and 100% on-device privacy.

Variable Recurring Bills(Beta):
⚡ Smart Bill Radar: Track variable monthly bills like electricity, gas, and mobile recharges with automatic bill detection and 12-month payment history.

Automated BBPS & Utility Bill Radar:
Dynamic electricity, piped gas, water, and broadband bill tracking with automated SMS notification learning, bill due dates, and optimal cashback card suggestions

👑 CARDAMON PRO PASS
Upgrade to Pro for advanced automated recurring rule detection, unlimited custom smart cashback rules, smart one tap save and exclusive dark luxury themes (Obsidian Gold & Platinum).

Download CardaMon today and optimize every rupee you spend!


How Trajectory & Bills Work:
1. First: Create Your Bills & Commitments
2. Pay as Usual — CardaMon Auto-Tags & Marks Paid
Once your bills are set up, you never need to manually check them off! When you pay via UPI (PhonePe, GPay, Paytm), NetBanking, or Card, CardaMon detects the payment notification, matches it to the right bill (using amount proximity for multiple meters), and automatically tags and marks it Paid for the current month.

3. Paid Before Setting Up? Radar Has Your Back!
If you haven't created a rule yet and make a utility or provider payment, CardaMon's Payment Radar catches the transaction and displays a 1-tap "+ Add Bill" button with the provider, account, and exact amount pre-filled.
4. Dynamic Auto-Calibration for Fluctuating Amounts
5. 12-Month Runway & Peak Expense Radar

New Features: Easter eggs, Calculator

What’s new

Inbuilt Calculator.
Enhanced Add Transaction module.
Fun Easter Egg because why not