Smart Wallet: Expense Tracker

Stibin Augustine

About this app

Smart Wallet is a private, offline-first money manager that helps you track every
rupee — income, expenses, budgets, savings goals and bills — without accounts,
ads, or tracking. Your data stays on your device.

WHY SMART WALLET

• Offline-first & private — all your financial data is stored locally on your
phone. No sign-up, no cloud account, no ads.
• AI-powered insights (optional) — bring your own API key (OpenRouter, Anthropic
or OpenAI) to get personalised spending analysis and savings tips.
• Built for India — defaults to ₹ INR, with 11 other currencies supported.

TRACK EVERYTHING
• Log income and expenses in seconds with smart categories.
• Scan receipts with your camera — text is recognised on-device to pre-fill entries.
• Add entries by voice using on-device speech recognition.
• Set monthly budget limits per category and savings goals.
• Keep on top of recurring bills and subscriptions.

STAY ON TRACK
• Daily reminders to log your spending (12:00 PM & 8:00 PM).
• Budget alerts when a category nears its monthly limit.
• A daily insight summarising your finances with a personalised savings tip.

UNDERSTAND YOUR MONEY
• Beautiful charts and a financial health score.
• Monthly PDF reports you can save or share.
• Full CSV backup & restore — move your ledger to a new phone anytime.

PRIVATE & SECURE
• Lock the app with a 4-digit PIN and optional biometric unlock.
• Your PIN and data never leave your device.
• AI features are off until you choose to enable them with your own key.

Smart Wallet keeps your finances simple, private, and entirely in your control.

What’s new

• AI Assistant and receipt scanning now work instantly — no API key or setup required.
• Added fair daily usage limits so AI stays fast for everyone.
• Minor fixes and improvements.