MoneyBook - Multi-Bank manager

Take complete control of your personal finances with **MoneyBook** — the smart, automated SMS expense tracker, personal budget planner, and multi-bank ledger manager designed to simplify how you manage daily money.

Tired of manually logging every coffee, grocery bill, or UPI transfer? MoneyBook automatically detects incoming transactional SMS messages from your banks and digital wallets, categorizing your expenses instantly while keeping your data **100% private and offline on your device**.

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🌟 KEY FEATURES & HIGHLIGHTS
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⚡ 1. AUTOMATED SMS & UPI EXPENSE TRACKER
• Automatically parse debit and credit alerts from major Indian banks (HDFC, ICICI, SBI, Axis, Kotak, PNB, and more).
• Instant detection of UPI transactions from Google Pay, PhonePe, Paytm, and CRED.
• Zero manual entry needed — review transactions with simple Accept / Reject options.
• Intelligent category assignment for food, shopping, fuel, travel, bills, and entertainment.

📊 2. MULTI-BANK LEDGERS & DUAL-ENTRY CASHBOOK
• Manage multiple accounts in one place: Savings Accounts, Current Accounts, Credit Cards, and Cash Wallets.
• Accurate **Opening Balance** integration with real-time running ledger calculations.
• Track credits, debits, account-to-account transfers, and split bills effortlessly.
• Export professional PDF ledger statements and Trial Balance reports anytime.

📈 3. SMART BUDGETING & SPENDING INSIGHTS
• Interactive category breakdown with intuitive doughnut and bar charts.
• Monthly expense comparison to monitor inflation in your daily lifestyle.
• **Financial Health Score (0-100)**: Real-time score evaluating your savings rate, expense-to-income ratio, and debt exposure.
• Smart recurring expense detector for SIPs, EMIs, OTT subscriptions, and rent.

🛡️ 4. 100% PRIVACY-FIRST & ON-DEVICE SECURITY
• All SMS parsing and financial calculations run locally inside your phone’s secure sandbox.
• We NEVER upload, harvest, or sell your bank statements, SMS logs, or OTPs.
• OTPs and personal messages are immediately filtered out and permanently ignored.
• Offline-first: Works seamlessly without an active internet connection.

🎯 5. CUSTOM RULES & AUTO-TAGGING
• Create custom merchant mapping rules (e.g., tag "Zomato" or "Swiggy" automatically as "Food & Dining").
• Custom categories with unique colors and icons.
• Add custom transaction tags, payment modes, and notes.

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💡 WHO IS MONEYBOOK FOR?
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✔ Anyone who wants to track monthly expenses effortlessly without manual typing.
✔ Individuals managing multiple bank accounts, debit cards, credit cards, and UPI apps.
✔ Freelancers, professionals, and small business owners tracking daily cashbooks and ledgers.
✔ Anyone looking to build disciplined saving habits, cut unnecessary spends, and plan monthly budgets.

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🔒 PERMISSIONS & DATA SAFETY
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• **SMS Permission (Optional/Core)**: Used strictly to read financial transactional SMS alerts locally on your device.
• **Notification Listener (Optional)**: Detects real-time UPI transaction banners.
• **Storage**: Used solely when you choose to export PDF ledger reports.

Download **MoneyBook: Smart SMS & Expense Tracker** today and experience effortless, intelligent, and secure personal money management!