BachatPe: Auto Expense Tracker

BachatPe turns the bank and UPI messages already on your phone into a clear picture of where your money goes — automatically, locally, and without ever touching the internet.

No sign-up. No cloud. No ads. Your financial data stays on your device, always.

🔒 Private by design

No internet permission — no cloud account, no backend sync, no server upload. Ever.
With your permission, BachatPe reads only transaction SMS already on your phone — debits, credits, UPI alerts. OTPs, personal messages, promotions, and failed payments are always ignored.
Deny SMS permission and still use the app by adding expenses manually. BachatPe works both ways.
No account. No login. No data selling. No third-party sharing.
App Lock protects the app with a private 4-digit PIN — no biometrics or extra OS permissions needed.

⚡ Automatic expense tracking

Bank and UPI spends sorted into categories automatically — little to no typing.
Smart duplicate detection keeps your history clean across multiple accounts.
Add cash or manual expenses in seconds. Works fully without SMS permission too.
750+ Indian merchants recognised across food, shopping, travel, fuel, investments, insurance, and more.

🎯 Budgets and planning

Set a monthly budget or per-category limits — BachatPe can suggest amounts from your past spending.
On Track, Watch, or Over — a clear status so you always know where you stand.
Safe-to-spend guidance tells you how much you can comfortably spend for the rest of the month.
Gentle alerts fire before you overspend, when a bill is coming, or when spending looks high.
Plan ahead for insurance, EMIs, school fees, travel, and tax — with 30-, 7-, and 3-day reminders.
Copy last month's budgets in one tap instead of starting from scratch.

👨‍👩‍👧 Family sharing — offline, encrypted, and truly private

Most expense apps share your data through a cloud server. BachatPe doesn't — household sharing works over a direct phone-to-phone connection between nearby devices.
No internet, no shared login, no cloud account needed. Your data moves between phones in your home and stays there.
The connection is encrypted end-to-end — no server ever sees it.
Filter by You, Family, or All. Exclude business expenses from household totals with one toggle.
A step-by-step guide helps your household get set up in minutes.

💰 Smart savings

Spots saving opportunities from subscriptions, frequent merchants, and rising habits.
Turn any insight into a savings challenge. Recommendations are based on your real spending.

📈 Insights · 📊 Bachat Score · 🇮🇳 Built for India

Monthly breakdowns by category, merchant, and payment method. Spend-free day calendar and trend alerts.
Bachat Score — a financial-health score for Indian households, with a clear next step to improve.
Built around INR, UPI, and Indian bank SMS — not a foreign app adapted for India.

BachatPe does not send SMS, transfer money, access your bank account, or read OTPs. SMS permission is used only to identify completed transaction messages for expense tracking.

Whether you want to stop wondering where your salary went, finally stick to a budget, or quietly grow your savings — BachatPe keeps it simple, smart, and completely private.

Download BachatPe and take control of your money — the private way.