Budget Auto Tracker

Budget Auto Tracker turns your bank SMS alerts into a clear record of where your money goes, with no typing.

Allow SMS access once and the app finds your bank and card transaction alerts, reads the amount, payee, bank and card or account, and lists each one for you. Everything happens on your phone.

AUTOMATIC TRACKING
• Reads bank and card alerts from your SMS inbox and logs them as transactions
• Finds the payee name, amount, bank and last digits of the card or account
• Picks up new messages every time you open the app
• Ignores OTPs and reminders so your list stays clean

SEE YOUR SPENDING
• Week and month totals, compared with last week and last month
• A spending total for each day, right beside the date
• Optional graph: daily bars for a week or month, monthly bars for all time. Tap a bar to see the exact amount
• Filter by period: this week, this month, last week, last month or all time

EVERY CARD AND ACCOUNT
• Cards and accounts are found from your messages and shown with the bank logo
• Labelled as credit card, debit card or bank account
• Tap one to see only its transactions and totals

MULTI-CURRENCY
• Foreign payments show in their own currency and symbol
• Totals are in your base currency, set from your region and changeable any time
• Foreign amounts are converted using current exchange rates

MONEY LENT
• Record money you lent to someone, with date and note
• Track part repayments and mark loans as repaid
• See at a glance what is still to come back

ADD, EDIT AND SEARCH
• Add cash or other spends by hand, spent or received, in any currency
• Edit or delete any transaction, or swipe to delete with undo
• Search by name, amount, note, bank or date

DESIGN
• Clean black-and-white interface with a red accent and dot-matrix touches
• Light and dark themes

PRIVACY FIRST
• Your messages and transactions stay on your device
• No account, no sign-up, no ads, no tracking
• The only thing fetched online is exchange rates

ABOUT THE SMS PERMISSION
Budget Auto Tracker asks to read your SMS only to find bank transaction alerts and list them in the app. Messages are processed on your device and are never uploaded or shared. If you decline, you can still add transactions and loans by hand.

Designed for SMS alerts from Indian banks. Message formats vary between banks, so some alerts may need a quick edit.