Echo Spend: Expense Tracker

Echo Spend is a personal finance app for people who want automated expense tracking without handing their financial life to someone else's server.

Every card swipe already sends you a bank SMS. Echo Spend reads those alerts on your device, drafts the transaction, and waits for your approval. One swipe to confirm. That is the entire workflow.

No account to create. No cloud database. No ads. No trackers.

━━━━━━━━━━━━━━━━━━━ 🔒 PRIVACY BY ARCHITECTURE ━━━━━━━━━━━━━━━━━━━

On-device AI — an optional Llama 3.2 1B model (~940 MB, via llama.rn) runs entirely in your device memory to classify SMS alerts. Rather not download it? Built-in pattern matching parses offline too.
Local SQLite storage — accounts, cards, transactions, budgets and preferences live in a private database inside the app sandbox.
Zero telemetry — no Firebase, no Sentry, no analytics SDK, no ad network. We cannot see how you spend, scroll or budget.
Your Drive, not our servers — optional backup signs in with Google and writes to your Drive's hidden appDataFolder. Echo Spend cannot read your other Drive files, and no developer server is ever involved.
Biometric lock — hardware-backed fingerprint or face unlock.
Full portability — export the ledger to CSV any time; wipe every table and backup with one tap.

━━━━━━━━━━━━━━━━━━━ ⚡ SMART INBOX ━━━━━━━━━━━━━━━━━━━

Auto-detect via SMS — new bank and wallet alerts become draft transactions instantly.
Smart Scan — one tap sweeps your whole SMS history and sorts it into Pending, Rules and Ignored.
Swipe triage — right to confirm, left to dismiss. Fix merchant, category, account or tags before you commit.
Signal Trace — every draft shows the exact SMS it came from, so you can always audit the AI.
Auto-approve small spends — set a threshold and let anything under it file itself.

━━━━━━━━━━━━━━━━━━━ 📊 SEE WHERE IT ACTUALLY GOES ━━━━━━━━━━━━━━━━━━━

Net worth across every linked bank account and credit card
Safe-to-spend per day for the rest of your cycle
7 / 14 / 30 / 90-day trends, daily or cumulative — drag the chart to inspect any day
Category donuts with subcategory drill-down
Spending heatmap showing which days and hours you actually spend
Top merchants, biggest pulses, week-over-week shifts and no-spend streaks
Searchable ledger with merchant, category and #tag filters

━━━━━━━━━━━━━━━━━━━ 🎯 STAY AHEAD ━━━━━━━━━━━━━━━━━━━

Budgets — weekly or monthly limits per category with pace tracking, so you know you are ahead before month-end
Subscriptions & EMIs — track recurring bills, see your monthly burn, get reminded before due dates
Goals — savings targets with deadlines, monthly plans and live progress
Splits — share a bill and track who has paid and what is still pending
Loans — record what you have lent and what you owe
Cards — credit card limits, balances and billing cycles

━━━━━━━━━━━━━━━━━━━ 🎨 MAKE IT YOURS ━━━━━━━━━━━━━━━━━━━ Six palettes — Echo, Midnight, Rose, Ember, Mono and Solar — plus light, dark and system modes. Build your own categories with any emoji, colour and nesting. Budget alerts, daily reminders, bill notices and a weekly digest, all optional.

━━━━━━━━━━━━━━━━━━━ 🔑 PERMISSIONS, PLAINLY ━━━━━━━━━━━━━━━━━━━

SMS (Android) — reads bank transaction alerts to draft entries. Processed entirely on device; message content never leaves your phone.
Camera & Photos — optional, only if you attach a receipt.
Biometrics — optional, only to lock the app.

Internet is used for exactly two optional things: downloading the AI model once, and backing up to your own Google Drive. Everything else works with the radio off.

Take back your ledger. Download Echo Spend.