mMoney: Expense & SMS Tracker

mMoney reads your bank and UPI SMS messages and automatically creates expense entries — no manual typing. It also generates HRA rent receipts as PDFs, ready to attach to your ITR filing. Built for Indian salaried employees who want their money tracked and their tax paperwork sorted.

SMS Auto-Tracking
Your phone already receives an SMS for every UPI payment, bank transfer, and card transaction. mMoney parses these messages in the background, extracts the amount and merchant, and logs each expense automatically. Open the app and your spending is already there — categorised and totalled.

HRA Rent Receipt Generator
Generate rent receipts with landlord name, PAN, address, and date range. Batch-create receipts for multiple months at once. Download as PDF and attach directly to your ITR documents or email to your employer's HR team. No more hunting for templates or filling Word documents by hand.

Bill Splitter
Split any expense among friends, flatmates, or colleagues. Create groups, add members, and let mMoney calculate who owes whom. Settle up and keep a clear history of shared expenses.

Budget & Expense Tracking
Categorise every transaction — rent, groceries, transport, subscriptions, dining. View monthly and yearly spending summaries with charts. Filter by category, date, or amount to understand where your money goes.

Offline-First
Works without an internet connection. All your data is stored locally on your device. Syncs to the cloud when you're back online so nothing is lost.

Privacy & Security
Your SMS messages are parsed on-device. Transaction data stays on your phone unless you choose to sync. Firebase authentication keeps your account secure.

Who is mMoney for?
Salaried employees filing ITR who need HRA rent receipts every year. Anyone tired of manually logging expenses when their phone already has every transaction in SMS. Flatmates and friend groups who split bills regularly. Anyone who wants a clear picture of monthly spending without linking a bank account.

Highlights:
- Automatic expense tracking from bank and UPI SMS
- HRA rent receipt PDF generator for income tax filing
- Bill splitting with groups and settlement tracking
- Monthly and yearly budget summaries with charts
- Offline-first — works without internet
- Cloud sync across devices
- Spending categories and filters
- Reminders for upcoming payments

Keywords: expense tracker, SMS tracking, UPI, rent receipt, HRA, ITR, bill splitter, budget, personal finance, India