100% Offline • Zero Cloud • Complete Privacy

Smart Expense Tracking with a Financial Conscience.

Eliminate manual entry with automated SMS tracking, master your daily Safe-to-Spend limits, and let the smart Money Mate advisor protect your emergency savings.

Download on Google Play Explore Features

Biometric Lock

On-Device AI Engine

CSV & PDF Export

Today's Safe-to-Spend

$42.50

Dynamically recalibrated from your $1,400 monthly allowance.

Purchase Advisor Goal Cooling Down

Sony WH-1000XM5

Waiting 3 days to prevent impulsive swiping. 3-Month Emergency buffer intact.

Required Emergency Reserve: +$4,500 Secured

Engineered for Discipline

Everything You Need to Master Your Money

Say goodbye to tedious manual spreadsheets. Money Mate gives you actionable clarity on every dollar.

Automated SMS Inspector

Detects bank and UPI debit alerts automatically. It extracts merchant details, tags categories, and updates balances with zero manual typing.

Zero Manual Effort

Money Mate (Purchase Advisor)

Your built-in financial conscience. Evaluates big-ticket desires against your 3-month emergency fund and applies a mandatory cooling-off period before you buy.

Curbs Impulse Purchases

Dynamic Safe-to-Spend

Calculates your exact daily spend ceiling: (Monthly Limit - Spent) / Days Left. Spend more today, and tomorrow adjusts downward automatically.

Real-Time Adjustments

30-Day Spending Heatmap

Instantly spot unhealthy spending habits with intuitive Green, Orange, and Red color grids that visualize your financial velocity.

Visual Habit Tracking

Subscription Detector

Identifies recurring gym memberships, streaming services, and bills to prevent "silent wallet drain" from forgotten subscriptions.

Automatic Pattern Matching

Local-First & Biometrics

No remote databases, no tracking pixels, and no ad brokers. Everything lives locally in your device's encrypted Room database protected by Biometrics.

Maximum Security

Simple & Frictionless

How Money Mate Works

Four effortless steps to complete control over your cash flow.

Install & Set Budget

Pick your currency and define your baseline monthly allowance. No sign-up or phone number required.

Spend Normally

Pay via UPI, card, or cash. SMS Inspector detects incoming transactional alerts in the background.

1-Tap Inspector Approval

Review detected transactions in the Inspector Tab and log them into your ledger with a single tap.

Consult Money Mate

Thinking of a splurge? Run it through the purchase advisor to guarantee your emergency savings stay safe.

Loved by Savers

Real Feedback from Disciplined Users

Join thousands of users who take privacy and budgeting seriously.

"The Cooling-Down feature in Money Mate saved me from buying at least two impulsive gadgets I didn't need. Truly a financial conscience!"

Alex R.

Software Engineer

"100% offline is non-negotiable for me. I don't want fintech startups storing my net worth on their cloud. This app is fast, clean, and completely local."

Priya S.

Privacy Advocate

"The Safe-to-Spend number is the only figure I look at every morning. It stops the end-of-month panic completely."

James T.

Small Business Owner

Got Questions?

Frequently Asked Questions

Clear answers on permissions, security, and how Money Mate operates.

The app uses the RECEIVE_SMS permission solely to read bank and UPI transaction alerts locally on your device. It never uploads SMS logs to any server, and you can opt out in settings to enter records manually if preferred.

No. Money Mate is 100% offline. All computations, SMS regex parsing, and budget health calculations run directly inside your phone’s memory and local Room database.

The MateEngine performs a multi-step check: it annualizes your income, verifies that you maintain at least a 3-Month Emergency Buffer after the purchase, and enforces a custom cooling-down countdown to prevent impulsive splurges.

Yes. You can export complete account statements and logs to CSV or PDF files at any time. When switching phones, you can create a local backup file to import onto your new device.

Because data is stored strictly on your device without cloud storage, uninstalling will delete your local database. We strongly recommend exporting your CSV/PDF backup before wiping or removing the app.