Budgetify: Expense Tracker

Budgetify is the private expense tracker and budget planner that logs your spending for you — automatically, and entirely on your phone. No sign-up. No cloud. No ads. No internet permission. Your money data never leaves your device.

Most money manager apps make you type in every transaction by hand, or ask you to hand your bank logins to a server. Budgetify does neither. It reads the bank and UPI transaction SMS you already receive, turns them into clean, categorised entries, and shows you exactly where your money goes.

✨ WHY BUDGETIFY
• A 100% offline expense tracker — the app doesn't even request internet access, so your data physically can't be uploaded
• No accounts, no ads, no analytics, no trackers — ever
• Automatic expense tracking from bank & UPI SMS — little to no manual entry
• Made for India: understands rupees, UPI, EMIs and bank alerts out of the box

📩 AUTOMATIC SMS EXPENSE TRACKING
Budgetify spots transaction messages from banks and payment apps and pulls out the amount, date, merchant and account — instantly logging your income and expenses. Known merchants are auto-categorised. Prefer to go fully manual? Deny the SMS permission and add entries yourself, like any daily expense manager.

📊 A COMPLETE MONEY MANAGER
• Budget tracker — set monthly and per-category budget limits and watch your progress
• Spending analytics — category donut, daily spend curve, merchant breakdowns and spending by bank
• Categories & tags — organise spending your way, with custom tags
• Savings goals — set targets and log every contribution
• Net worth — record assets, liabilities, SIPs and holdings over time
• Recurring payments — stay on top of subscriptions, rent and EMIs with reminders
• Splits & ledger — record shared expenses and who owes whom, with no accounts for anyone
• Tax deductions — tag spends into 80C, 80D, 24(b) and HRA as you go
• Statement import — bring in CSV or Excel bank statements for the months your SMS never saw
• Home-screen widget — this month's spending at a glance

🔒 PRIVATE BY ARCHITECTURE
• No internet permission — a hard, verifiable guarantee, not just a promise
• App lock with fingerprint or face unlock
• Privacy Mode hides every amount with a single tap
• AES-256 encrypted backups, protected by a passphrase only you know

📈 STAY MOTIVATED
Build streaks, unlock achievements and titles, and celebrate your month with a shareable Monthly Wrapped. A financial health score and a quiet money coach tell you when a category is running hot — without nagging.

📤 YOUR DATA, YOUR CONTROL
Export to Excel, CSV, PDF or plain text anytime. Delete anything in a tap. Because nothing is stored on a server, there is never anything to request back or wait on.

🌍 SPEAKS YOUR LANGUAGE
Available in English, हिन्दी, मराठी, বাংলা, తెలుగు and தமிழ்.

Whether you want a simple daily expense tracker, a monthly budget planner, or a full offline money manager, Budgetify keeps it automatic, accurate and completely private.

Download Budgetify and see where your money really goes.