Coming soon onGoogle Play Coming soon toApp Store
A private money ledger
Bank SMS in.
A ledger out.
Your bank already texts you every rupee that moves. myXpns reads those alerts and files them as real transactions — credits, debits, accounts, running balances. It happens on your phone, and it stays on your phone. Just installed? It can bring in the bank alerts already in your inbox, too.
- Your ledger stays on the phone
- You filter the SMS
- Nothing posts without your yes
Rs.1249.00 spent on HDFC Bank Card XX9034 at CROMA on 03-Sep-26. Avl Lmt Rs.41250.
Available balance ignored — a balance is not an amount.
Queued for your review — it is not in the ledger until you say so.
The privacy model
Your ledger never
leaves your phone.
Your transactions, balances and accounts — and the bank messages they came from — are kept inside the app, on your phone. Messages are read on your phone too. There is no server that receives your data, no account to sign up for, and no ads or tracking in the app.
The app uses the internet for one thing only: checking, through the Play Store, whether a newer version is available. None of your money details go with it. The privacy policy has the full detail.
What the app uses, and why
- Your bank SMSTo add transactions from the banks you name.
- Older messagesOnly if you choose to import past messages.
- NotificationsBudget alerts and bill reminders, made on your phone.
- Fingerprint or face unlockChecked by your phone — the app only learns yes or no.
- InternetOnly to check for app updates. Your money details never go with it.
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Your ledger stays put
No server receives it and no account holds it. It lives in one database on your phone and in the encrypted backups you choose to make.
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Only senders you name
Capture reads nothing at all until you list your banks. Name none, and no SMS is ever looked at. The list only ever narrows what is read — it is never a second way in.
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Messages from people are discarded unread
Anything from a personal phone number is thrown away before the text is looked at. Only messages from bank-style senders, like the ones your bank's alerts come from, get past.
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Nothing that isn't a transaction is stored
A message that clears both gates is parsed on the phone. A one-time password, an offer or a balance reminder is not saved. A real transaction keeps its message beside it, so you can check what was read.
A look inside
Eight screens, one thumb.
Real captures from the app running on a real phone. Swipe or scroll — the screen keeps up.
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01
The month, at a glance
Balance, money in, money out. Every account you've defined with its own running total — and a credit card sitting at −₹18,600.00 shown for what it is. Six months of cash flow underneath, visualize beyond the numbers.
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02
Captured, but queued
A bank alert becomes a proposed transaction, quoted next to the original message so you can check the parse yourself. It is not in your ledger until you tap Add. And if you'd rather not be asked every time, Add without review in Settings posts captured transactions straight to the ledger, using the same defaults the review screen would have filled in. It's your call either way — review is simply what you get until you decide otherwise.
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03
You decide what gets read
Type the banks you want captured. Until you do, capture reads nothing at all. Messages from personal numbers are discarded unread, and your notifications are not read at all.
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04
Budgets that speak up once
One recurring limit per category, set once and applied every month after. The alert fires on the crossing, not on every transaction after it — which is the whole reason it stays worth reading.
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05
Where it actually went
Spending by category and top merchants, plus a month-by-month count of how many budgets you overshot. Answers the question you were going to ask anyway.
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06
In against out
Cashflow and balance trend across six months. Transfers between your own accounts are stored as two linked legs and left out of both totals, so moving money never inflates your income or your spending.
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07
It learns your merchants
Set a category on a transaction and you've taught a rule — the next charge from that merchant files itself. Filing one can also tag the charges already sitting in this month's ledger, so a new rule fixes the mess that prompted it.
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08
Your data, your call
An AES-256 encrypted backup with a passphrase you choose, which only leaves the app if you save the file somewhere yourself. Restore it, or wipe everything, whenever you like.
How capture works
Two gates, and your list only narrows.
The interesting part of an app that reads your messages is everything it refuses to read. Here is the whole path a message takes.
Read the moment a message arrives, whichever messaging app you use.
Import past messages in Settings runs the same checks over messages already on your phone — and only when you ask it to.
- Messages from a personal phone number — dropped unread
- Notifications — the app does not read them at all
- Everything, if you have named no senders at all
Matched against the sender ID only, never the message body. A filter can only ever narrow what is read — it is never a second way in.
Each captured transaction waits for your yes, with the original message beside it so you can check the parse. It stays on your phone, where you can edit or delete it.
The rest of it
A ledger, not just a tracker.
Start with your history, not a blank ledger
Already have months of bank alerts on your phone? Choose Import past messages in Settings and myXpns turns them into transactions, using the same rules as new messages — only the banks you've named, never messages from people. It's entirely optional: your phone asks for permission to read older messages only when you start an import, and you can switch it off again afterwards.
Real accounts
Cash, credit card, debit card, UPI — each with an opening balance and a running total. Stop using one and archive it; it leaves the pickers and keeps its history.
Transfers that don't lie
Moving money between your own accounts is stored as two linked legs and excluded from income and expense totals.
Recurring charges
Cadence detected from your own debit history, with a reminder before the next one lands.
Four alert channels
Over budget, capture, cash-flow warnings and the weekly nudge each get their own channel, so you can silence one without losing the others.
Encrypted backup
AES-256 with a passphrase you choose. It is not recoverable, and the file only goes where you put it.
Locked and hidden
Biometric app lock, plus a hide-balances switch for when someone is reading over your shoulder.
Home-screen widget
Your balance where you'll actually see it, without opening anything.
A tour that drives the real app
First run hands over to a read-only guided tour that opens each screen and points at what it does. Five chapters, replayable from Settings.
Day and night
Reads right in the dark, too.
Same flat palette, inverted properly — not just dimmed.
Straight answers
The questions you should be asking.
Will it read my personal messages?
No. Your phone passes every incoming SMS to any app you've allowed to read messages — that's simply how Android works. What myXpns does next is the point: anything from a personal phone number is thrown away before the text is looked at. Only messages from bank-style sender names get past, and then only from the banks you have named.
Can it pick up transactions from messages I already have?
Yes, if you want it to. Open Import past messages in Settings and myXpns reads the bank alerts already in your inbox, following the same rules as new messages: only the banks you've named, and never messages from people. Your phone asks for permission to read older messages only when you start an import, and you can switch that permission off again afterwards. If you'd rather start fresh, simply don't use it.
What actually leaves my phone?
Your ledger doesn't. Transactions, balances and messages are stored and parsed on the device, and there is no server to send them to — no analytics, no crash reports, no sync. The only time the app goes online is to check, through the Play Store, whether there's a newer version — and none of your money details go with it. The only copy of your ledger outside the app is an encrypted backup file, if you make one and save it somewhere yourself.
The privacy policy has the full detail.
Why does a budgeting app need SMS access at all?
Because it is the honest alternative to the usual one: handing a third party your bank login through an aggregator, so their servers can see every transaction. Your bank already texts you each transaction. Reading that text on your own device, and never sending it anywhere, gets you the same ledger without anyone else in the room.
When can I actually install it?
Android is close — the ledger, capture, reports and alerts are built and working at v0.7.0. Distribution is the slow part: Google Play checks apps that read SMS very closely, and a budgeting app has to apply for a specific exception to do it. That is a real, well-trodden path, but it is reviewed again on every update. iOS is further out — the platform has no equivalent of reading an SMS, so capture there has to work differently.
Put your name down and you'll hear when there's a build to install.
What happens if I lose my phone?
Whatever you backed up is what you have. That is the trade: no server holding your data also means no server holding your data for you. Backups are a passphrase-encrypted file you create and store yourself, and the passphrase is not recoverable.
Does it work outside India?
The ledger, budgets, reports and currency selection are not India-specific. The message parser was built and tested against Indian bank and UPI alert formats, so capture accuracy elsewhere depends on how closely your bank's alerts resemble those. Manual entry always works, and you can tell us what your bank's messages look like.
What does it cost?
Nothing is being sold yet and there is nothing to subscribe to. There are no ads and no analytics in the app, and no account to create.
Your money, on your device,
and nowhere else.
Early access is a short form. We'll tell you when there's a build worth installing — and nothing else.
Get early access