uRekoin - Auto Budget Manager

uRekoin transforms your bank notifications into a smart daily budget.
Stop manually entering expenses. uRekoin reads payment notifications from your bank or wallet (Google Pay, Satispay, Revolut, Postepay, N26, Intesa, Unicredit, BPER, Fineco, Hello Bank, and over 120 other apps), recognizes the merchant, and tells you how much you can spend today without going over your end-of-month budget.
Everything stays on your phone. No accounts, no cloud, no banking connections, no passwords to hand over to third parties.
🎯 MAIN FEATURES
▸ Dynamic daily budget — enter your salary, fixed expenses, and savings goal: uRekoin calculates how much you can spend today and recalibrates every day based on how much you've already spent.
▸ Fixed expenses and subscriptions — Separate management of fixed expenses (rent, bills) and subscriptions (Netflix, Spotify), with pre-configured suggestions and automatic reminders.
▸ Animated categories and pie charts to visualize where your money goes.
▸ Complete cycle history — navigate day by day, edit amounts and dates, and delete errors. Each change automatically recalculates your budget.
▸ Excel export of your cycle for personal accounting.
▸ Multilingual: Italian, English, French, German.
▸ 100% offline and private — no logins, no cloud, no trackers.
⚡ INNOVATIVE FEATURES (unique on the Play Store)
🔔 Read European bank notifications — Most competing apps that offer auto-tracking read bank SMS messages, a model that works in India but not in Europe. uRekoin directly intercepts push notifications from European banking apps, without accessing your account.
🧠 Template-learning for merchants — when a notification arrives from a new bank, uRekoin displays the words as tapable buttons: you select the words in the merchant's name, and the app learns the pattern. Recognition is automatic from subsequent notifications.
🛡️ Anti-double notification buffer — when you pay with a wallet linked to the bank, you receive two notifications for the same expense. uRekoin compares them by amount and selects the source with the highest priority. One transaction, one expense recorded.
📉 Amortized unexpected expenses — have an unexpected expense of €600? Instead of destroying a month's budget, uRekoin distributes it over the remaining days of the cycle or, in premium mode, over 1-6 months.
📅 Intelligent retroactive entry — record an expense from three days ago: today's budget is recalculated taking that expense into account at the right point in the cycle.
💼 Freelance mode with flat rate — unlike competing apps designed only for those with fixed salaries, uRekoin supports self-employed workers with variable incomes.
🪟 Floating confirmation popup — when a payment notification arrives, confirm with a tap without opening the app.
💎 PREMIUM (optional)
Unlimited fixed expenses, categories, reminders, and planned expenses • No ads • Unlimited cycle history • Freelance mode • Amortizable contingencies 1-6 months • Advanced charts and forecasts • Home screen widget • Unlimited Excel export.
€2.99/month or €24.99/year (save 30%) — 7-day free trial.
🔒 PRIVACY
uRekoin accesses notifications only to read banking notifications, filtered by verified financial apps. Your data never leaves your device.
Developed in Italy by an independent engineer, for those who want to understand where their money goes without handing their accounts over to third parties.