MoneyOS: Expense Tracker

Screenshot your payment history. Get a month of expenses, logged. Open PhonePe, Google Pay, Paytm, Venmo, Revolut or your bank app, screenshot the payment history, and pick up to 10 of those screenshots here. Every row on every screenshot is read and turned into a transaction - amount, merchant, category. You review the list, tap save, and you are done. No typing a hundred entries. No forgetting what that 240 was for. And it is not only expenses. Income, EMIs, loans, SIPs, subscriptions and net worth live in the same app, so your whole picture is in one place. Phone apps are not allowed to read your SMS or bank feed without handing over credentials. Screenshots are the fastest route that asks for neither, and MoneyOS is built around that. MORE WAYS TO ADD MONEY IN AND OUT Type one line: "chai 200, petrol 1200" and both entries fill themselves in. Speak several expenses at once and they are split apart for you. Paste a bank SMS or a copied screenshot straight into the app. Import CSV and PDF statements, including password-protected PDFs. Share a bank email in from Mail. Add by voice with Siri, without opening the app. NOTHING SAVES WITHOUT YOUR OK Every import lands in a review list first. Edit, drop or confirm each row. Likely repeats are flagged, so importing twice does not wreck your numbers. YOUR MONTH, AT A GLANCE Spent today against a daily limit, and the month against a monthly limit. Safe to spend per day for the rest of the month. Payment split across cash, transfers and card. Loan and EMI load, incoming, and how much you have invested. A day-by-day heat map - tap any day to see what happened. Transactions grouped by category or by day. MANAGE THE WHOLE PICTURE Cards with limits. Spending limits by day, month or category. Income and a salary preset. Loans and EMIs with payoff tracking. SIPs and investments. Subscriptions, so renewals stop surprising you. Net worth with your own assets and liabilities. Categorisation rules and custom categories, so it learns your merchants. Goals and a FIRE calculator. STATS A verdict on the month. Trends and category movers. A Money Score. A full year overview. YOUR CURRENCY, YOUR FORMAT Matches your device by default, or pick from India, the US, UK, Eurozone, UAE, Saudi Arabia, Singapore, Australia, New Zealand, Canada, Japan, China and more. Indian users get lakh and crore grouping, and UPI, EMI and SIP spoken about the way you actually speak about them. ALSO INSIDE Home screen and lock screen widgets. A Live Activity that keeps today's spending on your Lock Screen. Spaces - keep Personal, Family and Business as separate ledgers. App lock with Face ID, encrypted backups, a daily automatic backup, and CSV or JSON export whenever you want your data out. PRIVATE BY DESIGN No account. No login. No sign-up. Nothing is sent to us, because there is nowhere to send it. Our App Privacy label says Data Not Collected. The AI that reads your screenshots and understands what you type runs on your iPhone using Apple's on-device models. Your statements and spending never leave the phone. iCloud sync is optional, off by default, and goes through your own private iCloud. FREE The whole app. No subscription, no ads, no in-app purchases, nothing locked behind a paywall. A money app should be a private notebook, not a data pipeline. Screenshot your last month tonight - it takes a minute or two.