Vytra

Simple Solutionz

About this app

Your money, clearly.

Vytra turns your bank's transaction SMS into a live, private picture of your finances — automatically, entirely on your phone.

WHAT IT DOES

• Automatic import — bank debit and credit SMS become transactions you confirm with one tap. No bank passwords, no account linking, no manual typing.
• Real balance — a reconciled Current Balance that matches your bank, plus income, expenses, liabilities and investments at a glance.
• Credit cards — statement-anchored outstanding and utilisation that actually move when you pay your bill.
• Debts and lending — loans, EMIs, borrowings and money lent to friends, tracked to the rupee.
• Financial Intelligence Score — a live score, your break-even point, and plain-English insights into where your money goes.
• Tap any spending category to see every transaction inside it.
• Privacy toggle — hide every amount on screen with one tap, so you can show someone the app without showing them your finances.
• Cloud backup and sync — sign in and every change is backed up to your own private space; restore on any device. Local CSV and JSON backups too.

WORKS WITHOUT SIGNAL

Vytra is built local-first. Your numbers appear the moment you open the app, with or without a connection. Nothing waits on the network, and nothing changes behind your back when you reconnect.

PRIVATE BY DESIGN

• Your SMS never leaves your device. Vytra reads bank transaction SMS on-device only to detect transactions — the content is never uploaded, transmitted, or shared with anyone.
• Your data is row-locked to your account. No other user can see it.
• No ads. No trackers. No data selling. No third-party marketing.

HOW IT WORKS

Grant SMS access, and Vytra scans your bank and UPI messages on your phone, extracts each transaction — amount, merchant, date — and shows them in a Review screen. You confirm what to add. Nothing is saved without your say-so. From there your balance, insights and score update automatically.

Manual entry is always available if you prefer to add transactions yourself.

PRICING

45-day free trial. After that, ₹99/month or ₹999/year, billed through Google Play.

When your trial ends, you are never locked out of your own records. Vytra switches to read-only: every transaction stays visible, searchable and exportable to CSV, JSON or PDF. Subscribing turns adding, importing and syncing back on.

Vytra is a personal money-management tool. It is not a bank, a lender, or a financial adviser, and it does not move money or connect to your bank accounts.

What’s new

• Recognises transaction SMS from all Indian banks — public, private, small finance, payments, rural and co-operative
• Reads bank & UPI app notifications and bank emails in Gmail, for payments whose SMS arrives late or never
• Learns your categories: file a merchant once and future payments file themselves
• New Insights: productive money, bad debt and leakage — each with a clear next step
• Swipe to delete in review, salary month fix, balance check and bug fixes