Expense Tracker: Auto Capture

Expense Tracker turns the payment alerts you already get — from your bank, credit card, debit card and wallet apps — into categorized expenses, automatically. No typing. No receipts. No bank login.

Most expense tracker apps make you enter every spend by hand, and most people quit within a week. This one tracks your expenses automatically: a payment notification arrives, it's read on your phone, understood, and filed as a categorized expense. You just confirm it.

AUTOMATIC EXPENSE TRACKING
• Auto-capture — every payment notification becomes a categorized spend, waiting in your inbox to review.
• No bank linking, no account, no sign-up. Nothing to connect, no credentials to hand over.
• No SMS permission. This is a notification-based expense tracker, not an SMS reader — so it works with bank apps, card apps and wallets that never send you a text.
• You choose which apps to watch. Every captured expense is yours to confirm, edit or discard before it counts.

ON-DEVICE AI
• On supported phones, on-device AI (Gemini Nano) reads each payment alert for sharper merchant and category detection.
• On every other phone, fast built-in rules do the job — automatic expense tracking works either way.
• Either way, the processing happens on your phone. Your payment alerts are never uploaded.

PRIVATE BY DESIGN
• No account. No server. No cloud sync.
• Your expenses and your notifications stay on your device.
• Export a full backup to a file you control, any time. Import it back on a new phone.

MODERN, MINIMAL, FAST
• Built with Jetpack Compose and Material 3 — Android's own current design language. It looks like it belongs on your phone because it's built the way your phone is.
• Dynamic colour on Android 12+: the app takes its palette from your wallpaper. Light and dark themes throughout.
• Deliberately minimal. A handful of screens, each doing one thing — a monthly summary, your transactions, your reports. No setup wizard, no account wall, no dashboard you'll never open.
• Everything runs locally against an on-device database, so it opens instantly and works with no signal at all.

SPENDING INSIGHTS
• Monthly totals and a running month-to-date summary.
• Spending trends across a rolling 12 months.
• Month-end projections based on your pace so far.
• Category breakdowns and your top merchants.
• Search and filter your full transaction history.

EVERYDAY MONEY MANAGEMENT
• Custom categories — rename, recolour, add your own.
• Recurring expenses — rent, subscriptions and bills repeat on their own.
• Home screen widget for this month's spending at a glance.
• Add a spend manually in seconds when you pay cash.

ANY CURRENCY
• Pick any currency as your home currency.
• Pay abroad and the foreign amount is detected and offered as a conversion at daily rates — useful if you travel or pay for services billed overseas.

HOW IT WORKS
1. Install and grant notification access.
2. Pick the payment apps you want watched.
3. Spend as usual. Your expenses show up on their own.

FREQUENTLY ASKED

Does it work with my bank?
If your bank, card or wallet app sends you a payment notification, it can be read. This expense tracker isn't tied to one bank or one country.

Do I have to connect my bank account?
No. There is no bank linking, no Open Banking connection, and no credentials.

Does it read my SMS?
No. It never requests SMS permission. It reads notifications only, from the apps you pick.

Does it work offline?
Yes. Expense tracking works fully offline. The only network call is a once-a-day exchange rate refresh for currency conversion.

Is it free?
Yes, ad-supported (minimal), with a one-time purchase to remove ads permanently. No subscription.

Expense Tracker is a spending tracker — it tracks money going out, not income. If you want a private, automatic answer to "where did my money go this month" without a spreadsheet and without typing in every coffee, this is it.