KhataBot: Auto Expense Tracker

Your salary disappears every month and you can't account for it. You remember the big purchases. It's the two hundred small ones that never add up in your head.

KhataBot is an automatic expense tracker. It reads the bank SMS and email alerts you already get and turns them into a sorted khata (a ledger), without you typing anything. Track in PKR, US dollars, euros, pounds, dirhams, riyals and 16 more currencies, and see your net worth in the one you choose.

HOW THE AUTO-TRACKING WORKS
- Bank SMS: you pick which bank senders to track. KhataBot reads only those, only when you open the app. Nothing runs in the background.
- Bank email: forward your bank's transaction emails to your private KhataBot address. No bank login, no inbox access, no passwords.
- Cash and manual entry: unlimited and free, always. A money manager that ignores cash gives you a confidently wrong number.
- Add with AI (Premium): type or say "1200 groceries at Imtiaz" or "45 dollars dinner" and it fills in the amount, currency, category and account.
- CSV import: bring your history over from a spreadsheet or another app, and undo the whole import if the columns came out wrong.

Auto-tracking is tuned for Pakistani banks and wallets, with 36 of them ready to pick. If your bank is elsewhere, manual entry, AI entry, CSV import and every report work the same.

MORE THAN ONE CURRENCY
Give each account its own currency: a rupee salary account, a dollar freelance account, a dirham card. KhataBot converts balances and net worth into your primary currency at today's exchange rate. Move money from a PKR account to a USD one and it records both amounts, so neither balance drifts.

CATEGORIES FOR HOW PEOPLE ACTUALLY SPEND
23 categories and 193 subcategories. The usual ones (groceries, rent, fuel, bills, eating out) plus the ones other budget apps leave out: Committee (BC), Eidi, Ramzan and Eid, Zakat and charity, household staff salaries, tailoring, weddings. Add your own subcategory when none fits.

SEE WHERE THE MONEY WENT
- A dashboard with the month's spending, income, net, daily spend and where the month is heading
- Insights for expenses and income by day, week, month, quarter, year or a custom range
- A category donut you can tap to open the subcategories underneath
- Month-over-month comparison, so "worse than last month" is a number instead of a feeling
- Full history with search and filters
- Loans and money you lent, tracked against the person involved
- Duplicate protection when the same transaction arrives by SMS and email
- Export any accounts and date range to CSV
- Dark mode

A NET WORTH TRACKER
KhataBot counts the savings that sit outside a bank: gold, silver, stocks, mutual funds, prize bonds, savings certificates, committee, foreign currency, property, a vehicle, money you lent someone. Put loans and credit cards on the other side and you get one number for what you're worth. Tap once to hide every amount when somebody is reading over your shoulder.

WORKS WITHOUT SIGNAL
Everything saves on your phone first, then syncs when you're back online and follows you to your next phone.

FREE AND PREMIUM
Free tracks one bank or wallet automatically and gives you unlimited cash and manual entry, the whole dashboard, complete history, search and every category. If you have one account, you never need to pay.

Premium tracks every account you have, unlocks Add with AI, and lifts the cap on custom subcategories. PKR 499 a month or PKR 4,499 a year in Pakistan. Google Play shows the price for your country before you subscribe. Premium starts with a 7-day free trial. Cancel before day 7 and you are not charged.

ABOUT THE SMS PERMISSION
KhataBot reads SMS because that is how banks tell you about your money. You choose which senders it reads. It reads only those, only while the app is open, and never in the background. Messages from anyone else are ignored.

Install KhataBot and stop guessing where your salary went.