CardaMon: Expenses & Cards

Take complete command of your credit cards, maximize reward points, and track daily spending effortlessly with CardaMon — the intelligent, privacy-first personal finance manager.

💳 ALL YOUR CREDIT CARDS IN ONE SECURE PLACE
• Manage card limits, billing cycles, payment due dates, and grace periods.
• No need to hop between 10 different bank applications.
• Track annual fee waiver milestones and anniversary renewals so you never pay unexpected charges.
• Monitor domestic and international airport lounge visit quotas across all your cards.

⚡ AUTOMATIC BANK SMS EXPENSE LOGGING (100% PRIVATE & ON-DEVICE)
• Instant Transaction Logging: Automatically captures debits, UPI spends, and credit card swipes right as bank alerts arrive.
• One-Tap Direct Save: Approve or categorize incoming transactions directly from Android notifications without even launching the app.
• 100% Local Processing: Your SMS messages are parsed strictly locally on your device inside an isolated sandbox. Personal texts, contacts, and OTPs are never touched, never uploaded, and never shared.

🎁 INTELLIGENT REWARD & CASHBACK TRACKER
• Automatically calculates reward points and accelerated cashback percentages based on merchant categories (Dining, Travel, Fuel, Online Shopping).
• Know which card gives the highest cashback before you swipe.
• Track point accumulation and upcoming expiry dates across your card portfolio.

📊 ACTIONABLE FINANCIAL INSIGHTS & REPORTS
• Interactive breakdown of monthly spends, categories, and account balances.
• Visual milestone trackers for spend-based fee waivers.
• Export comprehensive Tax-Ready Ledgers (CSV) and full portable JSON backups anytime.

🛡️ UNCOMPROMISED PRIVACY & SECURITY
• Zero ads, zero spam, and zero data brokering.
• Offline-First Engine: Works smoothly without internet connectivity.
• Biometric Lock: Protect your financial dashboard with fingerprint or face authentication.


CSV Statement Import:
📄 1-Tap Bank Statement Import: Bulk import CSV statements from HDFC, SBI, ICICI, Axis & more with zero duplicate transactions and 100% on-device privacy.

Variable Recurring Bills(Beta):
⚡ Smart Bill Radar: Track variable monthly bills like electricity, gas, and mobile recharges with automatic bill detection and 12-month payment history.

👑 CARDAMON PRO PASS
Upgrade to Pro for advanced automated recurring rule detection, unlimited custom smart cashback rules, smart one tap save and exclusive dark luxury themes (Obsidian Gold & Platinum).

Download CardaMon today and optimize every rupee you spend!


How Trajectory & Bills Work:
1. First: Create Your Bills & Commitments
The very first step is to add your expected recurring bills (Electricity, Rent, Insurance, Wi-Fi, EMIs). If you pay multiple bills to the same provider (e.g. 2 or 3 MSEDCL electricity bills for Home, Shop, or Office), create a separate rule for each with its specific name, category, and expected average amount so CardaMon knows exactly what to look out for.

2. Pay as Usual — CardaMon Auto-Tags & Marks Paid
Once your bills are set up, you never need to manually check them off! When you pay via UPI (PhonePe, GPay, Paytm), NetBanking, or Card, CardaMon detects the payment notification, matches it to the right bill (using amount proximity for multiple meters), and automatically tags and marks it Paid for the current month.

3. Paid Before Setting Up? Radar Has Your Back!
If you haven't created a rule yet and make a utility or provider payment, CardaMon's Payment Radar catches the transaction and displays a 1-tap "+ Add Bill" button with the provider, account, and exact amount pre-filled. Tap it once to save the rule, and all future cycles will auto-tag automatically!.
4. Dynamic Auto-Calibration for Fluctuating Amounts
5. 12-Month Runway & Peak Expense Radar