Cipher: Offline Money Manager

Sk Masum Ali

About this app

Take control of your money without giving up your privacy.

Cipher is a private, offline personal finance manager that automatically records your transactions, tracks budgets, and provides clear spending insights.

Instead of manually logging every expense, Cipher parses supported bank SMS, UPI alerts, and payment notifications locally on your device, turning them into structured records.

Your financial data never leaves your phone. No cloud servers, no account registration, and zero ads.

AUTOMATIC TRANSACTION LOGGING

Cipher detects transactions from UPI apps, bank SMS, and payment notifications, organizing them instantly.

• Automatic transaction capture from bank SMS and UPI apps (Google Pay, PhonePe, Paytm, CRED, BHIM, and banking apps)
• Merchant recognition and automatic category mapping
• Searchable transaction history with instant filters
• Payment method and account tags
• Fast manual entry when you need it

SPENDING INSIGHTS AND CASH FLOW

Understand your financial habits with clear, straightforward analytics.

• Category-level spending breakdowns
• Daily, weekly, monthly, and custom date ranges
• Income and expense cash flow trends
• Merchant spending patterns and largest transaction alerts
• Daily spending averages and safe daily spend metrics

BUDGET MANAGEMENT

Set spending limits and monitor your progress in real time.

• Monthly overall and category-specific budgets
• Fixed and dynamic budget modes
• 50%, 90%, and 100% threshold notifications
• Safe daily spend calculations to prevent overspending

SUBSCRIPTIONS AND RECURRING EXPENSES

Keep track of regular bills and recurring commitments.

• Automatic detection of recurring payments
• Monthly and projected annual cost overviews
• Manual recurring payment schedules and reminders

SMART RULES AND CUSTOM CATEGORIES

Configure Cipher to categorize your transactions exactly the way you want.

• Custom merchant-to-category rules for automated logging
• Personalized income and expense categories with custom icons and colors

BUILT FOR PRIVACY

Financial records are sensitive. Cipher keeps everything local.

• All processing runs on-device with AES-256 local encryption
• No bank credentials or external account linking
• No cloud accounts or telemetry tracking
• Zero ads
• Biometric fingerprint and Face Unlock protection
• Configurable auto-lock on app minimize
• Encrypted, password-protected offline backups

WIDGETS

Monitor your finances directly from your home screen.

• Daily allowance and budget progress widgets
• Passbook overview and quick-log shortcuts

MULTI-CURRENCY AND LOCALIZATION

Supports multiple currencies with localized date and number formatting.

Available in:
• English
• Hindi (हिंदी)
• Bengali (বাংলা)
• Spanish (Español)
• French (Français)
• German (Deutsch)
• Japanese (日本語)

DATA EXPORT AND BACKUP

You own your data completely.

• Export records to CSV or JSON anytime
• Encrypted local backups you can restore on any device

OPEN SOURCE

Cipher is developed openly and its source code is available on GitHub.

What’s new

What's New in v6.1.0:

• Accurate Budgeting: Transfers between your bank accounts, cash, and credit cards are now excluded from income & expenses so your monthly budget reflects real spending.
• Clear Transfer Destinations: Account transactions now clearly show transfer source and destination names.
• Expanded Account Styling: Personalize your accounts with an expandable palette of 32 colors and 66 icons.
• UI & Performance Polish: Smoother animations and stability improvements.