Private by design

Your money, tracked on your phone. Not on our servers.

Bank SMS, receipts and a quick “chai 40” become a clean ledger, using AI that runs on the phone itself. No account, no cloud, no ads.

No account No servers AES-256 on device No ads or trackers
How it works

Tracking that happens
by itself.

Every spend lands in your ledger without typing, and every number is worked out on the phone.

01 — BANK SMS

Bank texts become transactions.

On Android, debits and credits log themselves the moment they arrive. On iPhone, one Shortcuts automation does it. Offers, recharge ads and OTPs never make it in.

02 — RECEIPTS

Snap a receipt. Done.

Google ML Kit, or Apple Vision on iPhone, reads the bill on the phone. A decision model picks the merchant, total and category.

03 — VOICE

Just say it.

“Chai 40 yesterday”, “salary 85k from Acme”. Amount, payee, category and date fill themselves.

04 — ON-DEVICE AI

AI that never leaves your phone.

It double-checks every imported message, sorts categories and answers “how much on Swiggy last month?”. Built-in AI where your phone has it, a small open model where it doesn’t.

05 — BUDGETS

Know before you overspend.

Category limits suggested from last month’s spending, with local alerts at 80% and 100%. No push server involved.

06 — WIDGETS

Your budget, at a glance.

Home Screen and Lock Screen widgets on iPhone, home screen widgets on Android. Amounts disappear when Discreet mode is on.

Transactions read from bank SMS A receipt scanned into merchant, amount and category Voice entry filling in a transaction On-device AI settings Budgets with progress bars Lock Screen spending widgets
Transactions read from bank SMS
Bank SMS

Bank texts become transactions.

Debits and credits log themselves. Offers, recharge ads and OTPs never make it in.

A receipt scanned on the phone
Receipts

Snap a receipt. Done.

Text is read on the phone; merchant, total and category fill in.

Voice entry
Voice

Just say it.

“Chai 40 yesterday.” Amount, payee, category and date fill themselves.

On-device AI settings
On-device AI

AI that never leaves your phone.

Built-in AI where your phone has it, a small open model where it doesn’t.

Budgets
Budgets

Know before you overspend.

Limits suggested from last month, alerts at 80% and 100%.

Lock Screen widgets
Widgets

Your budget, at a glance.

Home and Lock Screen widgets that hide amounts in Discreet mode.

Private by design

Locked. Local. Yours.

There is no Fundstash server to hack, sell or subpoena. Your ledger lives in an AES-256 encrypted database whose key is protected by the phone’s Keychain or Keystore.

Your ledger stays putTransactions, budgets, debts, receipts and notes live only on your phone.
Messages are read, never uploadedBank SMS are parsed on the device; nothing is sent anywhere.
AI without a cloudEvery model runs on the phone. Your questions don’t leave it.
Backups only you can openA password-encrypted file you save yourself. It only goes online when you ask: for exchange rates or the optional model download.
And there’s more

Everything else.
All of it offline.

Split bills with one link

Add friends, pick who paid, share. The link opens in the app or right in the browser, and the bill never touches a server.

Know where you stand

A 0–100 money-health score, a safe-to-spend number for today and savings pots that fill up.

Debts, IOUs & EMIs

Interest per month or year, EMI schedules and monthly pay or collect reminders.

Ask Fundstash

“Top payees last month?” Answers come from your own data, on the phone.

Cards recognised

Accounts and cards are picked up from alerts and linked automatically.

Encrypted backups

One password-locked file with everything, settings included.

Any currency, written your way

107 currencies with rates that work offline. Lakh and crore for rupees, 1,234.56 for dollars, euros and pounds. Bank alerts in $, €, £, ₹ and 30 more are understood.

₹ INR$ USD€ EUR£ GBP¥ JPYد.إ AEDS$ SGDA$ AUDC$ CAD+98
Side by side

Not another cloud ledger.

FundstashTypical cloud tracker
Sign-upNone neededEmail or phone number
Where data livesOn your phone, encryptedCompany servers
Bank SMSRead on the phoneOften uploaded to parse
AI answersWorked out on the phoneSent to a cloud model
Ads and trackersNoneCommon
Works offlineEverythingMostly not
Watch the tour

Every feature in under 90 seconds.

Questions

Good to know

Does Fundstash read my messages?

On Android, with your permission, it reads SMS on the phone to find completed debits and credits. Promotions, OTPs and personal chats are ignored and nothing is uploaded. iPhone apps cannot read messages, so a one-time Shortcuts automation hands bank texts to Fundstash.

Do I need an account?

No. There is no sign-up and no login. Everything is stored in an encrypted database on your phone.

What if I lose or change my phone?

Export an encrypted backup from Settings. It contains everything, including your settings, and only opens with your password. Restore it on the new phone.

Which phones get the on-device AI?

iPhones with Apple Intelligence and Android phones with Gemini Nano use the built-in model. Any other phone can download a small open model (about 400 MB) once. The app works fully without AI too.

Does it work outside India?

Yes. Pick any of 107 currencies as your base and record spending in any of them; exchange rates work offline and refresh only when you ask. Bank-alert import reads amounts in dollars, euros, pounds, rupees and 30 more currencies, and is most thoroughly tuned for Indian banks today. Receipts, voice entry, budgets and the assistant work in any currency.

Is it free?

Yes, free for personal use. There are no ads and your data is never sold, because we never receive it.

Your funds, stashed locally

Money tracking that
minds its own business.

Tell me when it launches Read the guide