TrakFi - Expense Tracker (SMS)

TrakFi — Your Month, Reconciled

TrakFi is an AI-powered Expense Tracker, Budget & Bill-due tracker for Indian banks and cards — with smart SMS auto-import, so you rarely type a transaction by hand. It's a private, local-first monthly finance ledger that brings your income, bills, expenses, cashback, and cash flow into one clear, reconciled picture — every month, without the spreadsheet.

No bank login. No bank linking. No selling your data. Just your money, organized.

SMART SMS AUTO-IMPORT
With your permission, TrakFi reads bank and payment SMS on your phone to detect transactions and pre-fill expense entries. Messages from regular phone numbers and promotional senders are skipped. SMS text is processed on your device and never uploaded or shared. Review and approve every entry before it's saved, or turn SMS reading off anytime and add expenses manually.

EVERY BANK & CARD, ORGANIZED
Add every bank account, credit card, and wallet you use — TrakFi recognizes 40+ Indian banks with real bank logos, or add any custom card or wallet. Rename or remove one anytime; past transaction history stays intact.

DEEP CATEGORIZATION & FILTERING
Every expense is tagged by lifestyle category and by how you paid — Cash/UPI or Credit Card. Filter by any custom date range or single day, drill into specific categories, and see exactly where every rupee went — not just a monthly total.

CASH FLOW BREAKDOWN
See precisely how your money moved this month — salary, bills paid, cashback earned, expenses — as a percentage breakdown, so you know where every rupee actually went.

CREDIT CARD BILLS, TRACKED PROPERLY
Monthly and yearly bill tracking per card, with cashback and refunds automatically applied against that card's next bill instead of getting lost. Know what's due, on which card, before the statement arrives.

EVERYTHING IN ONE LEDGER
• Income, bills, and day-to-day expenses in a single monthly view
• Category-wise budgets, tracked automatically with on-track/over-budget indicators
• Recurring bills — loans, EMIs, insurance, housing — tracked separately from daily spends
• Net worth tracker built from your savings and investments over time for comparison via charts
• Burn rate charts with a rolling 3-month average for real context
• Chart Studio — build fully custom charts from any combination of your own data
• Upload bank/card statements (Excel, CSV, or PDF) for auto-categorized bulk import
• Export as CSV, or take a full JSON backup — it's yours, always

BUILT-IN AI INTELLIGENCE
Two AI engines work behind the scenes: one scores your month and flags budget overruns early, the other surfaces specific insights buried in your transaction history — as clear cards, not raw numbers to decode yourself.

PRIVATE BY DESIGN
• Biometric app lock (fingerprint/face unlock)
• No bank account linking or credentials ever requested
• SMS text stays on your device — never uploaded or shared; you approve every entry
• Full manual override on every auto-detected entry — add, edit, or ignore, always your call

FOR HOUSEHOLDS TOO
Invite up to 4 family members into a shared household, so everyone works off the same financial picture instead of five different spreadsheets.

QUICK ANSWERS
Does TrakFi need my bank login? — Never.
Where does my SMS data go? — Nowhere. It stays on your device and is never uploaded.
Can I use it without SMS access? — Yes, everything works with manual entry too.
Is my data mine? — Always. Export as CSV or JSON, anytime, no lock-in.
What's actually free? — The full core ledger: bills, expenses, budgets, cashback tracking, and SMS Auto-Import, permanently.

TrakFi gives you one reconciled view of your financial month — automatically, privately, and without linking your bank account.

Free to start, with a full working ledger. Advanced features such as Chart Studio, statement uploads and household sharing are part of optional paid plans.

Watch full guide: youtu.be/cE0ervlhzlw

Questions or feedback? We read every email: [email protected]