Cartl

Cartl — Budget That Actually Works
Most budgeting apps make you feel guilty. Cartl makes you feel in control.
Cartl reads your bank SMS messages to log expenses automatically, then lets you sort, track, and categorize everything — without the spreadsheet headache. One look at your dashboard and you know exactly where your money went.
What makes Cartl different
• Automatic SMS parsing — expenses appear the moment your bank sends a message, no manual entry needed
• Fixed vs variable — mark recurring costs (rent, subscriptions, EMIs) as fixed so they're always accounted for
• Investment tracking — separate your savings and investments from your actual spending
• Untracked categories — flag expenses you haven't categorized yet so nothing slips through
• Carry forward — rolled-over budgets from last month show up clearly, not buried
• Quick-pick categories — swipe to assign a category in one tap
Built for real life
Cartl is dark-first, fast, and built for people who check their phone, not a laptop. The dashboard loads your month at a glance — hero spend number up top, category breakdown below, budget vs actual always visible.
No subscription required. No ads. No syncing to a server you don't control.
Permissions
Cartl requests SMS read permission solely to parse bank transaction messages. No messages are stored, shared, or uploaded.