ZeroSync: Expense Tracker

CipherNest

About this app

ZeroSync is the private way to track where your money goes — automatically.

Most expense apps make you connect your bank, create an account, or upload your data to their servers. ZeroSync does none of that. It reads your bank and UPI transaction SMS right on your phone, turns them into a clean spending dashboard, and keeps everything encrypted on your device. No account. No servers. No internet. Your money is nobody's business but yours.

★ AUTOMATIC EXPENSE TRACKING
Stop typing in every expense. When your bank or UPI service sends a transaction SMS, ZeroSync reads the amount, date, type and merchant automatically — so your spending updates itself.

★ 100% PRIVATE & ON-DEVICE
• No sign-up, no login, no phone number
• No data ever leaves your phone
• Works fully offline — the app has no Internet permission at all
• No ads, no trackers, and we never sell your data

★ ONLY FINANCIAL MESSAGES — NOTHING ELSE
ZeroSync reads only bank, UPI and card alerts. Personal chats, OTPs and messages from ordinary phone numbers are ignored on your device and never stored. It never opens your SMS inbox or message history, and it can't send messages.

★ A DASHBOARD THAT MAKES SENSE
• Money In vs Money Out at a glance
• Net balance and savings rate
• Biggest expense, top payee and average spend
• Spending by category and by bank/card
• Filter by This Month, Last Month, Last 3 Months or All Time

★ SMART CATEGORIES
Your spending is sorted into Food, Shopping, Groceries, Transport, Fuel, Bills, Entertainment, Health and more — automatically, on your device. Tap any transaction to re-categorise it, and ZeroSync remembers your choice.

★ MULTIPLE BANKS & CARDS, ONE VIEW
Track every account together. ZeroSync tells them apart using the masked last-4 digits in your alerts — the full account or card number is never available to the app.

★ CREDIT-CARD BILLS & REMINDERS
ZeroSync spots credit-card statement alerts, shows your total due, minimum due and due date, and reminds you before the bill is due — so you never miss a payment or pay a late fee.

★ GETS SMARTER OVER TIME
Came across a bank format ZeroSync doesn't know yet? Confirm it once and the app learns it — so the next one is captured automatically. All learning happens on your device.

★ ADD CASH & MISSED EXPENSES
Paid in cash or missed an alert? Add a transaction manually in seconds.

★ LOCKED DOWN
• Every record is encrypted with AES-256 before it's stored
• Your encryption key lives in your device's secure keystore
• Optional fingerprint/face unlock and a 4-digit PIN

★ YOU'RE IN FULL CONTROL
Erase everything — transactions, bills, learned formats and settings — with one tap in Security & Privacy → Clear all data. Uninstalling removes all data too. Because we keep no copy, deletion is final.

★ BUILT FOR INDIA
Made for how India pays — UPI, rupee amounts, and transaction alerts from major Indian banks and UPI apps.

WORKS WITH MAJOR INDIAN BANKS & UPI APPS
ZeroSync reads transaction SMS from popular banks and UPI services including SBI, HDFC, ICICI, Axis, Kotak, IDFC, PNB, Central Bank, PhonePe, Google Pay, Paytm and BHIM/UPI.

WHY SMS ACCESS?
ZeroSync uses SMS access only to read bank, UPI and credit-card alerts as they arrive, so it can track your spending automatically. It does NOT read your SMS inbox, chats, OTPs, emails or photos; it does not send messages; and everything is processed on your device — nothing is ever uploaded. Personal messages are ignored and never stored. You can turn SMS access off any time in Settings.

Take control of your money — without giving up your privacy. Download ZeroSync and see where it really goes.

What’s new

Welcome to ZeroSync — the private way to see where your money goes.

• Automatic expense tracking from your bank & UPI transaction SMS
• A clean dashboard: money in vs out, categories, savings rate
• Credit-card bill reminders so you never miss a due date
• AES-256 encryption with fingerprint/PIN lock
• 100% on-device — no account, no servers, works fully offline

This is our very first release. Tell us what you'd like to see next!