Cashiro

Cashiro — Free & Open-Source, private SMS-powered expense tracker

Automatically extracts transaction data from bank SMS messages and PDF Statements [Gpay & Phonepe UPI] using pattern-based parsing. Works 100% offline - no internet connection required.

Key Features:
• Multi-Source Transaction Extraction - Automatically parses SMS and PDF Statements [Gpay & Phonepe UPI] with pattern-based extraction
• 100% Offline Core Features - Transaction parsing, analytics, and exports work without internet
• Optional AI Chat - Download Qwen 2.5 model (1.5GB, Apache 2.0) for natural language queries
• Dynamic Home Screen - Customizable widgets including heatmaps, analytics, and transaction lists
• Advanced Budgeting - Track historical spending, manage monthly limits, and view subscription trends
• Auto-Categorization - Intelligent merchant cleaning and categorization for clear spending insights
• Data Portability - Export as CSV ; smart backup/restore for all preferences and data
• Premium Material You Design - Sleek interface with blur effects and fully customizable dynamic theming

Currently Supported Banks & Countries (80+ banks across 14 countries):
• India: HDFC, SBI, ICICI, Axis, PNB, IDBI, Indian, Federal, BOB, Canara, etc.
• USA: Citi, Discover, Old Hickory, Charles Schwab, Navy Federal
• UAE: FAB, ADCB, Emirates NBD, Mashreq, Liv Bank
• Nepal: Laxmi Sunrise, Everest, NMB, Siddhartha, Prime Commercial
• Thailand: Bangkok Bank, Kasikorn, SCB, Krungthai, Krungsri, etc.
• Other regions: Ethiopia (CBE), Tanzania (M-Pesa), Kenya (M-PESA), Pakistan, Iran, Egypt, Saudi Arabia, Colombia, Belarus.
• Plus payment services like Slice, LazyPay, Jio Pay, and Juspay.

Privacy & Security:
• No internet required for core functionality (SMS parsing, analytics, exports)
• Pattern-based transaction extraction - no AI needed for parsing
• Optional AI chat uses on-device Qwen 2.5 model (Apache 2.0 licensed)
• SMS permission is read-only - we never send messages
• No user accounts or cloud sync required
• Open source - audit the code yourself on GitHub
• Zero data collection or tracking

How It Works:
1. Grant SMS permission (read-only access)
2. App automatically parses bank SMS using regex patterns
3. View categorized transactions, analytics, and subscriptions
4. Optionally download AI model for chat features

Perfect for:
• Automatic daily expense tracking
• Understanding spending patterns and budgeting
• Managing subscription payments
• Financial planning and analysis
• Maintaining detailed transaction records

Technical Notes:
• Core SMS parsing uses regex patterns, not AI
• Optional Qwen 2.5 model (Apache 2.0) for chat feature only
• F-Droid flavor excludes all proprietary dependencies

Cashiro respects your privacy while helping you take control of your finances. Join thousands of users who trust Cashiro for secure, automatic expense tracking without compromising their data.