No cloud sync, no API keys, no monthly fees. AutoBudget uses Android's native SMS receiver and an instant on-device rule engine to categorize every penny.
Unlike traditional trackers that poll APIs every 24 hours, AutoBudget's SMS receiver catches bank messages the instant they arrive and sorts them with an on-device rule engine — fully offline.
You buy a coffee. The bank sends an SMS. AutoBudget's receiver catches it instantly — no notification access, no accessibility permissions, just a standard SMS listener.
The on-device rule engine reads "Starbucks ₹550" and matches it to "Food & Dining" — deterministic, instant, no cloud required.
The transaction commits instantly via MMKV storage. Dynamic rules map the deduction to your budget chart.
APRIL BUDGET
Starbucks
Food & Dining
- ₹550
Grocery Store
Groceries
- ₹4,210
HDFC-BANK · SMS now
Transaction of ₹550 at Starbucks #499 was authorized.
We believe your financial data is yours alone. By using Android's native SMS receiver and an on-device rule engine, AutoBudget achieves something traditional apps cannot: absolute privacy without sacrificing instant categorization.
No bank logins, no OAuth flows. Just a single SMS permission and you're live.
AutoBudget reads transaction SMS to track your spending instantly. One permission, nothing else to configure.
How much do you want to spend on Groceries?
Autopilot is active. Spend naturally, and we'll track the rest.
Allow SMS read access — a single Android permission prompt, nothing else to configure.
Define limits. The rule engine maps each transaction to the right budget automatically.
Pay anywhere. AutoBudget instantly catches the bank SMS and logs exactly what happened.
Spending is down 15%
Compared to last week's average.
Spot trends before they break the bank. AutoBudget provides stunning, instant visualizations of your spending habits calculated entirely on your device's secure local storage.

Join thousands protecting their privacy and mastering their budget using military-grade on-device offline intelligence.
Direct APK install · ~17MB · No Play Store account needed