Kosh: SMS UPI Expense Tracker

Kosh is an expense tracker and budget planner that writes your spending down for you, straight from your bank and UPI SMS. It is for anyone who wants to know where the money went without typing every payment by hand.

Switch on auto-track and Kosh reads the bank, card, wallet and UPI alerts that already arrive on your phone, turns each one into a record and suggests a category from the merchant. Everything is parsed on the phone. Nothing is uploaded. OTPs and personal messages are ignored.

AUTO-TRACK FROM BANK MESSAGES
- Debits and credits are picked up as they arrive, with amount, merchant, account and date filled in.
- Review each one with a tap: Add, Edit or Ignore. Or let trusted accounts add themselves.
- Possible duplicates are flagged when you already typed the same amount by hand.
- Notification access works as a fallback for apps that notify instead of texting.
- Scan the last 90 days of messages for free to start with a full picture.

ADD CASH IN TWO TAPS
- A built-in keypad with + − × ÷ so a split bill is typed as 1200 ÷ 3.
- Expense, income and transfer. A transfer can carry a category and count toward a budget.
- Repeat daily, weekly, monthly or yearly for rent, salary and subscriptions.
- The amount line tells you how much of the budget is left after this record.

BUDGETS WITH SUBCATEGORIES
- Food can hold Groceries, Cafés and Dining out. Transport can hold Fuel, Taxi and Metro.
- Subcategories roll up to their parent budget, and the overall card says what is safe to spend per day.
- Create your own categories and subcategories with icons and colours.

CLEAR REPORTS
- Week, month, year or any two dates.
- Category share, six-month cash flow, top merchants and spend per account.
- CSV export is free.

ACCOUNTS AND NET WORTH
- Unlimited accounts: cash, bank, cards, wallets.
- Investment accounts with a current value you update yourself.

YOUR DATA STAYS YOURS
- Works fully offline. No sign-up, no Kosh account.
- Optional daily backup to your own Google Drive, in a private app folder only Kosh can see. Restore it on a new phone in one tap.
- Or back up to a plain file you keep yourself.
- Lock Kosh with your fingerprint, face or screen lock.
- Light and dark themes, sound and haptic switches, an optional 7 pm reminder.

HOME-SCREEN WIDGETS
- Today: what you spent today, with a one-tap Add button.
- This month: net, income and spending, plus payments waiting for review.
- Budgets: your three busiest budgets at a glance.

EASY START
A short guided setup: pick your currency, add your accounts, take a quick tour of each screen.

COINS, NOT A SUBSCRIPTION
Check in daily to earn coins. Spend them on a day without banners or a full-year message scan. Core tracking is free and unlimited.

QUESTIONS PEOPLE ASK
How can I track my expenses automatically from bank SMS?
Switch on auto-track in Kosh. It reads the bank, card, wallet and UPI alerts on your phone and turns each one into a record with amount, merchant, account and date.

Are my messages uploaded anywhere?
No. Everything is parsed on the phone and nothing is uploaded. OTPs and personal messages are ignored, and Kosh never sends messages.

Does Kosh pick up UPI payments?
Yes. UPI alerts that arrive on your phone are picked up, and notification access works as a fallback for apps that notify instead of texting.

Is there an expense tracker that works without internet or an account?
Yes. Kosh works fully offline with no sign-up and no Kosh account.

Can I move my data to a new phone?
Yes. Use the optional daily backup to your own Google Drive and restore it in one tap, or back up to a plain file you keep yourself.

Use Kosh as a daily expense tracker, a monthly budget planner or a simple money manager.

Kosh is free and supported by a small banner ad. No full-screen interruptions.

Kosh uses the SMS permission only to detect transaction alerts for expense tracking, with your permission, and never sends messages.

Recent changes:
UPI ATM withdrawals are now recorded automatically.