AI Expense Tracker:SMS Budget

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About this app

Take control of your money with AI Expense Tracker — the automatic expense tracker and budget planner that reads your bank & UPI SMS so you never type a transaction by hand again.

📲 AUTOMATIC SMS & UPI EXPENSE TRACKING
Every bank SMS and UPI alert you already receive becomes a transaction instantly — no manual entry, no linking your bank account, no OTP risk. This expense tracker works in the background, even when the app is closed, so your spending is always up to date.

🔒 100% OFFLINE & PRIVATE
Unlike most budget apps, AI Expense Tracker never connects to your bank or uploads your financial data anywhere. Every transaction, budget, and insight is stored locally on your device. Your money data stays yours.

💰 SMART BUDGETS & SAVINGS GOALS
Set monthly budgets by category, track subscriptions and autopay, and get a financial health score based on your real spending habits — not generic advice.

🤖 AI-POWERED INSIGHTS (ARIA)
Ask Aria, your built-in AI assistant, questions about your own spending — grounded entirely in your real transaction history, not guesses.

📊 MERCHANT REPORTS & ANALYTICS
See total sent and received per merchant, spending trends with line/bar/donut charts, a calendar spending heatmap, and daily/monthly forecasts vs your budget.

🏠 HOME SCREEN WIDGET & LIVE NOTIFICATIONS
Track your budget progress without opening the app — a home screen widget and an ongoing notification with quick Add Expense/Income buttons keep you one tap away.

🔐 SECURE BY DESIGN
Biometric app lock (fingerprint/face), hide-balances privacy mode, and full CSV export whenever you want your data out.

🎨 BUILT FOR EVERYDAY USE
Material 3 design, light/dark/system themes, and a floating quick-add nav bar make logging and reviewing spend fast.

Whether you're searching for a expense tracker, budget planner, spending tracker, SMS transaction tracker, UPI tracker, or a simple money manager app — AI Expense Tracker replaces spreadsheets and manual entry with automatic, private, AI-powered personal finance tracking.

Download now and see exactly where your money goes — automatically.

What’s new

What's new in 2.1.3
• New: Watch a short ad to unlock 1 hour completely ad-free
• New: AI Assistant moved to its own nav bar tab; quick Add is now the floating button
• Redesigned onboarding screen with the app logo and a premium feel
• Fixed: system back button was exiting the app instead of returning to Home
• Fixed: AI Assistant's message box overlapping the nav bar
• Polish: nav bar and floating buttons now share a consistent glass style in both light and dark themes