Smart Money AI is a luxury, 100% private, on-device AI personal wealth and expense tracker designed for effortless automated financial management.

✨ QUICK HIGHLIGHTS:
• 100% Offline & Private: Zero cloud servers, zero tracking. Data never leaves your device.
• Zero Manual Entry: Automatically syncs bank SMS and UPI transactions into organized expenses.
• Handles All Transactions: Expenses, Salary, Transfers, Credit Cards, EMIs, and Investment SIPs.
• Instant Past SMS Sync: One-tap scan & organization of your historical transaction SMS.
• Smart OTP & Spam Filter: Ignores OTPs and personal chats—only parses verified bank alerts.
• Digital Accounts View: Unified balances across all your bank accounts, cards, and cash.
• Wealth Arc & Analytics: Interactive spending charts, cash flow pace, and total net worth tracking.
• Fast Search & Deep Filters: Filter by merchant, category, date, amount, or specific account.
• Private Backup & Export: Seamless encrypted Google Drive backups and Excel/CSV ledger export.
• Biometric Security: Protect your private records with Fingerprint & Face Unlock.
• Built With You: Direct in-app feedback channel with rapid updates based on your suggestions.

🔒 100% PRIVATE & OFFLINE-FIRST
Smart Money AI processes all financial data 100% locally on your phone using on-device AI. Your bank SMS, balances, receipts, and transactions never leave your device. No cloud tracking, no ads, and zero account sign-up required.

✨ WHAT SMART MONEY AI DOES:

⚡ Automatic SMS & UPI Expense Tracking
Make payments via UPI (PhonePe, Google Pay, Paytm), Credit Cards, Debit Cards, or Net Banking. Smart Money AI instantly captures bank alerts and logs the transaction with merchant name, amount, and account balance.
• Handles All Types: Daily Expenses, Salary Income, Account Transfers, Self Transfers, Credit Card Bill Settlements, Loan EMIs, Refunds, and Investment Debits (SIPs & Stocks).
• Historical SMS Sync: Set up in seconds with our one-tap past SMS scan.
• Smart Spam & OTP Filter: Safely ignores OTPs—only official bank notifications are parsed.
• Unified Net Worth: See cash, bank balances, card liabilities, and total net worth in one clear dashboard.
• 100% Customizable: Create custom categories, modify tags, split expenses, or re-assign accounts easily.

📊 Visual Wealth Arc & Real-Time Dashboard
View your total net worth, monthly spending pace, and remaining cash flow at a single glance with our signature interactive Wealth Arc.

🏷️ Smart Merchant & Category Classification
Our local machine learning engine auto-sorts transactions into clean categories:
• Food & Dining: Swiggy, Zomato, Blinkit, Zepto, Starbucks, Dominos, cafes & restaurants
• Commute: Uber, Ola, Rapido, Metro, IRCTC, MakeMyTrip, fuel pumps (HPCL, BPCL, IndianOil)
• Shopping: Amazon, Flipkart, Myntra, Nykaa, Meesho, DMart, Reliance Fresh
• Subscriptions: Netflix, Spotify, YouTube Premium, Disney+ Hotstar, Apple, Google Play
• Utilities: Electricity, Gas, Water, Broadband & Mobile recharge (Jio, Airtel, Vi)
• Investments: Zerodha (Kite), Groww, AngelOne, INDmoney, Kuvera, SIPs, Stocks, Gold
• Transfers & Card Repayments: Cred, Paytm, PhonePe, Google Pay, NEFT/IMPS, Credit Card bills

🔍 Powerful Search & Deep Filters
Find any transaction in seconds. Filter by date range, category, payment mode, merchant, or specific bank account.

💬 Built With You — Active In-App Feedback
Have a feature request, new bank format suggestion, or custom merchant idea? Use our built-in In-App Feedback channel or report any transaction in one tap. We read every message and roll out frequent updates based on your suggestions.

📁 Export Ledgers & Private Backup
Export transaction logs to Excel (.xlsx) or CSV anytime, and create private encrypted Google Drive backups.

💎 Luxury Dark Theme & Android 15 Ready
Designed with modern glassmorphism aesthetics, fluid micro-animations.

Take control of your wealth today with Smart Money AI! Download Smart Money AI Expense Tracker today!