SMS Finance

Gogula Bharathi

About this app

SMS Finance automatically reads your bank SMS and extracts transactions — no manual entry needed. All AI processing runs entirely on your device. Your financial data never leaves your phone.

SMART SMS PROCESSING
• AI classifies SMS into transactions, personal, OTP & promotions
• Extracts amount, merchant, date, account number from bank messages
• Supports UPI, NEFT, IMPS, RTGS, credit/debit cards, wallets
• Works with HDFC, SBI, ICICI, Axis, Kotak, PNB, BOB & 10+ Indian banks
• Learns your UPI vendors — tag once, auto-categorizes next time

FINANCIAL DASHBOARD
• Real-time income, expense & balance overview
• Spending breakdown by category with pie charts
• Payment method analysis (UPI vs Card vs Wallet)
• Period filters: Today, This Week, This Month, Last Month
• Budget tracking with 90% threshold alerts

TRANSACTION MANAGEMENT
• View detailed transaction info with original SMS
• Edit merchant name & category for better tracking
• Mark duplicate transactions to exclude from totals
• Add expenses manually for cash payments
• Scan receipts with OCR — extracts total & merchant automatically

SMART FEATURES
• Recurring payment detection (EMIs, subscriptions, rent)
• Upcoming payments shown on dashboard
• Bill reminders with auto-match when payment SMS arrives
• Transfer deduplication for credit card & loan payments
• Vendor learning from UPI VPA identifiers

PRIVACY FIRST
• All AI models run 100% on your device
• Zero data sent to any server — ever
• No analytics, no ads, no tracking
• Encrypted backup with AES-256 encryption
• Your financial data stays yours

BUILT-IN MESSAGING
• Full SMS app — send, receive & search messages
• Smart inbox filters: Transactions, Promotions, OTP, Personal
• Contact integration with conversation threads
• Set as default SMS app for complete functionality

OCR RECEIPT SCANNER
• Scan paper bills & receipts with your camera
• AI extracts total amount, merchant name & date
• Receipt images saved locally for future reference
• Works with restaurant bills, grocery receipts & more

BACKUP & RESTORE
• Create encrypted backups on your device
• Restore on a new phone with password
• Auto-backup option (weekly or monthly)

BUDGET MANAGEMENT
• Set monthly spending limits per category
• Visual progress bars show budget usage
• Alerts when spending reaches 90% of limit
• Tap any category to set or edit budget instantly

SMS Finance uses on-device AI models (~200 MB one-time download) for intelligent SMS classification and transaction extraction. No internet required after initial model download.

Permissions used:
• SMS — Read bank messages for transaction extraction
• Contacts — Display names in conversations
• Camera — OCR receipt scanning
• Storage — Encrypted backups
• Internet — One-time AI model download

Download SMS Finance and take control of your finances — privately.

What’s new

SMS Finance automatically reads your bank SMS and extracts transactions — no manual entry needed. All AI processing runs entirely on your device. Your financial data never leaves your phone.