Spentd

Privacy-first Android expense tracker. Import PhonePe / GPay / bank payment screenshots and bank SMS. Your data stays on your phone — no cloud account, no server required.

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Get the app

1. Download the latest APK from Releases.
2. On your phone, open the file and allow Install unknown apps if Android asks.
3. Open Spentd → create a username and 6-digit passcode.

If Play Protect blocks the install

Spentd requests SMS permission so it can read payment alerts. Apps outside the Play Store often trigger a warning:

• Choose More details → Install anyway when offered, or
• Temporarily turn off Scan apps with Play Protect, install, then turn it back on.

First-time setup

Goal	What to do
Unlock later	Enter your 6-digit passcode (username is remembered)
Import bank SMS	Grant SMS when asked, or turn on SMS auto-import in Settings
Import a screenshot	Import → pick a payment screenshot
Forgot passcode	On the lock screen → recovery → unlock with phone lock / biometrics → set a new PIN or wipe data

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Features

• On-device only — expenses live in an encrypted vault on your phone; works offline
• Screenshot import — OCR for UPI / bank payment screenshots
• SMS import — parse bank and UPI alerts (with review before saving)
• Search & filters — find expenses by merchant, amount, category, source, date
• Smart categories — optional server inference (spentd-api) plus on-device rules; when you fix a category, Spentd remembers it for that merchant
• Payment notifications — after auto-import, confirm the guessed category with Yes or open the app to pick another
• Budgets & cash — monthly limits and cash / account balances
• Export — share history as CSV or JSON
• Themes — system, light, or dark

Privacy in short

• Passcode unlocks a local vault; the PIN is not stored in plain text
• No cloud login — there is nothing to “reset password” for remotely
• Screenshots and SMS stay on the device
• Leaving the app locks it again (so others can’t open your ledger)

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Run from source

Need: Node.js 20+, and an Android phone or emulator.

git clone https://github.com/srineshr1/Paymenttracker.git
cd Paymenttracker
npm install
npm run build -w @paymenttracker/shared
npm run mobile

Then press a for an emulator, or scan the QR with Expo Go.

Expo Go limits: no SMS inbox, slower screenshot OCR. Full SMS + fast OCR need a native build (below).

Full features (native Android build)

npm run mobile:android
# or:
cd apps/mobile && npx expo run:android

This builds Spentd as a real app on the device/emulator (SMS + ML Kit work).

Project layout

apps/mobile       Spentd (Expo / React Native) — local-first app
packages/shared   Shared types + payment / SMS parsers

There is no backend in this repository. The optional sync API lives separately at
~/Projects/spentd-api (not required for the app).

More detail for contributors: CONTRIBUTING.md.

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FAQ

Does this send my expenses to a server?
No. The shipped app stores everything on the device.

Why does it need SMS permission?
Only to read payment-related messages you choose to import. You can use screenshots or manual entry without SMS.

Can I use it without installing the APK?
You can run the JS app in Expo Go for a limited demo, but SMS import will not work. Prefer the release APK.

Is there a cloud API?
An optional server lives at ~/Projects/spentd-api. The app can call POST /categories/infer for category suggestions when EXPO_PUBLIC_API_URL is set; expenses and passcodes stay on-device. Without the URL, categorization uses the same rules offline.

I want to contribute
See CONTRIBUTING.md, Code of Conduct, and Security. Changelog: CHANGELOG.md.

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License

MIT © 2026 Srinesh R