Money Timeline Expense Tracker

Money Timeline is an automatic expense tracker and budget app. It reads the transaction alerts your bank already sends, by SMS or email, and turns every payment into a clean, categorised entry on one daily timeline. No manual entry, no typing every coffee, no bank login.

See what you spent today, what is safe to spend until payday, and every bill and EMI coming up in the next 30 days.

AUTOMATIC EXPENSE TRACKING • Reads bank, card and payment-app alerts by SMS or email and records the merchant, amount, account and category for you • Card payments, transfers, cash withdrawals, salary credits, refunds, bills and loan EMIs, all on one timeline • Import bank statements (CSV and PDF) to bring in older history • Multiple currencies, with foreign spending converted to your home currency • Spots duplicates when the same payment arrives by SMS and email, and links transfers between your own accounts so they never count as spending

BUDGET PLANNER & SAFE TO SPEND • Monthly budget on your own cycle: start it on your payday • Category budgets, with alerts before you overspend • "Safe to spend per day": what you can spend today and still land on budget • A live forecast that says when the budget runs out at your current pace • Compare this cycle with the last one, by category and by day

SPENDING INSIGHTS & STATS • A spending tracker that shows where your money went: by category, merchant and account • Money in, money out and what you kept, with a projection to month end • Daily, weekly and monthly reviews, and insights when something changes

BILLS, EMIs & SUBSCRIPTIONS • Detects recurring payments for you: rent, loan EMIs, insurance, investments, streaming and app subscriptions • Due runway: every upcoming bill and EMI for the next 30 days at a glance • Bill reminders before each due date • Marks bills paid automatically when the bank debit arrives, including direct debits and autopay • Alerts for subscription price increases and charges after you cancelled

SPLIT EXPENSES • Split bills with friends and family, track who owes whom, and settle up

ACCOUNTS AT A GLANCE • Every bank account and card in one place, with spending per account • A calendar and daily journey to revisit any day

PRIVATE BY DESIGN • Your bank SMS stays on your phone • No bank login and no account linking: Money Timeline never asks for your bank password • Discreet mode hides amounts on a shared screen

MONEY TIMELINE PLUS Encrypted cloud backup and sync across your devices, so your history is safe when you change phones. Your data is encrypted on your device before it is uploaded.

WHO IT IS FOR A simple expense tracker, daily expense manager and money manager for students on an allowance, professionals managing salary, loans and EMIs, families keeping a household budget, and anyone tired of spreadsheets.

Download Money Timeline, the expense tracker that fills itself in, and see your money day by day.