MandateVault: Expense Tracker

Never miss a mandate or auto-debit again.

MandateVault automatically tracks all your recurring payments — NACH SIP mandates, EMIs, subscriptions, and auto-debits — so nothing catches you off guard at month end.
What MandateVault does for you:
🔁 Mandate & Auto-Debit Tracker
See all your active mandates and recurring debits in one place. Know exactly what's hitting your account and when — before it happens.
📩 SMS-Based Expense Tracking
MandateVault reads your bank and credit card SMS to automatically categorize UPI spends, debit card transactions, and CC bill payments. No manual entry. No linking bank accounts.
🗂️ E-Bill Archive
Every bill detected from your SMS is automatically saved and organized. Find any past bill instantly without digging through messages.
💳 Credit Card Spend Tracker
Track spends across all your credit cards separately. Know your outstanding before the bill arrives.

📊 Budget-Based Spend Tracking
Set monthly budgets by category — food, travel, shopping, bills, and more. MandateVault tracks your actual UPI and card spends against your budget in real time, so you always know how much is left before you overspend.

🚨 Fraud Alerts
MandateVault flags suspicious transactions and unusual mandates automatically. Know instantly if something doesn't look right — before it becomes a problem.

🔒 100% Private. Always.
Your financial data never leaves your phone.

MandateVault has no servers, no login, and no account required.

Everything stays local on your device.

Anyone who wants to stop manually tracking expenses, catch hidden mandates, stay within budget, and get fraud alerts — without trusting a third-party server with their financial data.

Recent changes:
• Interactive 30-Day Calendar Timeline: Automatically projects historical recurring SIP mandates, EMIs, and utility bills so you never miss an auto-debit and can plan your balance.
• Category Budgets & Zero-Spam Alerts: Set category limits and get real-time on-device alerts (cached to notify you at most once per month to avoid spam).
• Sleek Trends & Analytics: Interactive 6-month historical spending trends with unified query search.