Cashbook AI is a simple, private cash book for every rupee that comes in and goes out. Record cash, bank, wallet and card money in one place, and let the app write down your UPI and bank payments for you.

RECORDS PAYMENTS FOR YOU
• Reads payment notifications from Google Pay, PhonePe, Paytm, BHIM, CRED and bank apps (only if you turn it on) and turns them into entries: amount, payee, UPI reference and time.
• Asks "What was this for?" right in the notification. Reply "groceries" and it is filed.
• Scan a receipt: amount, shop and date are read on the phone.
• Voice entry: say "200 rupees chai" or "petrol 500" in English, Hindi or Hinglish.

SORTS ITSELF
• Categories are suggested on the phone from your rules, 1,000+ known merchants and your past corrections.
• A review inbox for anything it is not sure about.

YOUR CASH BOOK
• Books for cash, bank accounts, wallets, cards and more, each with a running balance.
• Cash In / Cash Out with a built-in calculator, transfers, splits, notes and photo attachments.
• Search, filters, calendar view and monthly tables.

BUDGETS, GOALS AND REPORTS
• Monthly budgets with rollover, and savings goals.
• Dashboard and chart reports with drill-down and month-to-month compare.
• Export to PDF or Excel.

CREDIT CARDS
• Billing cycles, due-date reminders and an expected bill you can compare with the bank's.
• EMI tracking and "Pay now" through the UPI app you already have.

SPLIT BILLS WITH FRIENDS
• Groups for trips, flatmates and outings: who paid, who owes whom, and the fewest payments to settle up.
• Works offline and syncs when you are back online (sign in with Google).
• Send each person a private link with their balance and a UPI pay button – they don't need the app.

LENDING (UDHAAR)
• Track money you lent or borrowed per person, with a running balance.
• Share a balance or a reminder through WhatsApp or your Messages app.

WALLETS AND BILLS
• Wallet books for Amazon Pay, Paytm, PayPal and more: gift cards, top-ups from your bank and wallet payments are recorded automatically.
• Electricity, water, internet and other bills are reminded until the payment message arrives.
• Mobile recharge reminders based on your plan's validity, updated from each recharge message.

VEHICLES
• Petrol, diesel, CNG + Petrol, hybrid, plug-in hybrid and EV, with mileage worked out per fuel.
• Toll tag and pass tracking (FASTag, Annual Pass trips left and more), service history and renewal reminders.
• Save favourite fuel stations to Google Maps.

MORE TRACKERS
• Insurance policies and savings plans with instalment reminders.
• Business collections (GPay for Business, Paytm for Business and others) with settlement matching.

WORKS WORLDWIDE
• Any currency and number format. Bank, card and wallet alerts are understood in India, the USA, Canada, the UK and Europe, the Gulf, Southeast Asia, Australia, Africa and Latin America.

PRIVATE BY DESIGN
• Your cash book stays on your phone in an encrypted database. Only split-bill groups, coins and Premium sync to our server, and only after you sign in with Google.
• Notification text is read on the phone; unrelated notifications are skipped and stored text is wiped after the period you choose.
• App lock with PIN or fingerprint, and "hide amounts".
• Optional encrypted backup to a file or to your own Google Drive, protected by your backup password.
• Delete everything any time: Settings › Delete all my data.

FREE, WITH PREMIUM IF YOU WANT
Cashbook AI is free to use, with small ads in quiet places (never while you type, never in the first days). Some extra actions use coins, which you get free every day or by watching a short video. Premium (₹30 a month or ₹300 a year, 7-day free trial) removes ads and coin costs.

Cashbook AI is a personal record-keeping tool. It is not a bank, does not move money and does not give loans or financial advice.

Questions or ideas? Write to support@keyxplore.com.