SMS Ledger - Pro SMS Organizer

SMS Ledger — Smart Inbox. Smarter Money. 100% Private.

Transform your SMS inbox into a powerful personal finance assistant. SMS Ledger automatically reads your bank messages to track spending, organises OTP codes, finds promo deals, and keeps your inbox clean — all offline, all private.

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💰 AUTOMATIC FINANCE TRACKER
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Stop manually logging expenses. SMS Ledger reads your bank SMS and builds your personal passbook automatically.

• Supports 50+ banks — HDFC, ICICI, SBI, Axis, Kotak, Paytm, PhonePe, Google Pay & more
• Tracks bank accounts, credit cards, and digital wallets
• Auto-categorises every transaction into 15 categories:
Shopping, Food & Drinks, Groceries, Bills & Utilities, Travel, Entertainment, Fuel, Health, EMI, Rent, Meal Card, Investment, Transfers & more
• Monthly spending summary with income vs expense breakdown
• Spending trends compared to previous month
• Per-category drill-down for complete visibility
• Manually override any auto-assigned category
• Multiple account balance tracking
• Privacy mode to hide all amounts on screen

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🔑 OTP VAULT
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Never hunt through your inbox for a one-time password again.

• Automatically extracts OTPs from incoming SMS
• Separates active codes from expired ones
• One-tap copy to clipboard
• Auto-copy latest OTP on arrival
• Live countdown timer for expiry
• Full OTP history with sender identification
• Configurable auto-deletion (1, 3, 7, 30 days or never)
• OTP data encrypted with AES-256-GCM

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🎁 PROMO CODE FINDER
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Stop losing discount codes buried in hundreds of marketing messages.

• Automatically detects and extracts promotional offers and coupon codes
• Clearly shows Active, Expires Soon, and Expired deals
• Tap once to copy any promo code
• Filter by All, Active, or Used offers
• Auto-deletes old promotional messages (7, 30, 90 days or never)
• Optional notifications for new incoming offers

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📝 REMINDERS
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• Create personal reminders directly inside your messaging app
• Date and time-based notifications
• Edit, complete, or delete reminders at any time
• Never forget a bill payment, appointment, or callback

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🔐 PRIVACY & SECURITY FIRST
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Your messages and money data are yours alone.

• 100% Offline — no data ever leaves your device
• Zero analytics, zero tracking, zero ads
• App Lock with 4-digit PIN or Biometric (fingerprint / face)
• Separate Finance Tab lock for an extra layer of security
• PIN protected with PBKDF2-SHA256 (120,000 iterations)
• OTP Vault secured with AES-256-GCM hardware-backed encryption via Android Keystore
• Backup files encrypted with AES-256-GCM + PBKDF2 (100,000 iterations)

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🎨 BEAUTIFUL & CUSTOMISABLE
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• 4 stunning themes:
🌌 Nebula — Deep blue/purple dark
🌑 Midnight — True black for OLED screens
☀️ Daylight — Clean bright light theme
🌈 Aurora — Liquid Glass dark theme
• Adjustable font sizes (Small, Medium, Large)
• 12-hour or 24-hour time format
• Configurable launch screen and swipe actions

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PERMISSIONS EXPLAINED
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• READ/SEND SMS — Core app function: read, organise, and send messages
• CONTACTS — Show contact names in conversations
• NOTIFICATIONS — Alerts for OTPs, offers, and reminders
• RECEIVE SMS — Detect new messages instantly (for OTP auto-copy)
• BIOMETRIC — Optional app lock via fingerprint or face

No internet permission. No data collection. No servers.

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Download SMS Ledger and take control of your inbox and your finances — privately, beautifully, and for free.

Recent changes:
We've fixed numerous bugs and performance issues to make SMS Ledger smoother, faster, and more reliable than ever.

Your feedback helps us improve! If you notice any bugs or experience any issues, please let us know at support@kalpamindlabs.com