From install to a clear picture, in minutes.
No sign-up, no typing, no waiting for a server. Here is exactly what happens.
Your first minutes
Agree
Read the Privacy policy and Terms and confirm you are 18 or older. Nothing is asked for before this.
Say your name
Type your first name for the greeting at the top, or skip.
Choose permissions
A screen explains bank messages and notifications first, then Android asks. Skip either and allow it later.
First scan
A progress bar goes through your SMS inbox on your phone, shows the transactions found, and opens the app at 100%.
What happens to each message
Every message goes through the same careful steps, on your phone.
1. It arrives
A bank, card, UPI or loan message reaches your phone, or an old one is found in the inbox during the first scan.
2. It is understood
The app works out whether it is a debit, a credit, a card bill, an EMI or just an offer, and reads the amount, account and merchant.
3. It is checked
A scam-looking message is flagged. A doubtful one goes to a review list instead of your records. An offer or a failed payment adds nothing.
4. It is counted once
If the same payment was already seen, it is not added again. Transfers between your own accounts are not counted as spending.
5. It is filed
The transaction gets a category, updates the balance, and, for a card bill, fills in the bill and the pay-by date.
6. You are told
You get an alert for the payment if you want one, and a reminder before a bill or EMI is due.
Day to day
- Open the app: your month, what is coming up, and anything that needs a decision.
- Bills and EMIs: reminded before the due date, and no more once you have paid.
- Evening and Sunday: a short summary of your day and week.
- Anything unsure: a short list lets you confirm, correct or dismiss, and the app remembers your answer.
When you want more
Connect Gmail (optional)
In three guided steps you make a Gmail app password and add it. Then the app reads bank e-mails and statements, read-only, and learns your cards and loans.
Back up (optional)
Turn on the automatic backup to your own Google Drive, or export a file whenever you like.
Share a summary
Pick a look, then share or copy it to any app yourself.