Vault Spend

Vault Spend is a personal expense tracker that automatically detects and
logs your transactions from bank and payment SMS alerts — no manual entry
required for most of your spending.

HOW IT WORKS
Vault Spend reads incoming SMS from your bank, UPI apps, and wallets to
identify financial transaction alerts (debits, credits, payment
confirmations) and instantly turns them into categorized expense or income
entries. Only messages recognized as financial transactions are converted
into records — everything else is ignored. All parsing happens on your
device; your SMS content is never uploaded anywhere.

KEY FEATURES

• Automatic Transaction Detection
Reads bank/UPI/wallet SMS alerts and logs transactions for you automatically.

• Smart Categorization
Transactions are automatically sorted into categories like Food, Transport,
Shopping, Bills, and Health, with the ability to correct and teach the app
your preferred categories over time.

• Budgets & Alerts
Set monthly budgets per category and get notified as you approach your
limits.

• Bill Reminders
Never miss a due date — Vault Spend can detect upcoming bills from SMS and
remind you before they're due.

• Analytics & Insights
Visual breakdowns of your spending by category, trends over time, and a
calendar view of your daily activity.

• Voice & Manual Entry
Add transactions by speaking naturally (e.g., "Spent 500 on food at
Zomato") or enter them manually when SMS isn't available.

• Receipt Scanning
Snap a photo of a bill or receipt and let on-device text recognition help
fill in the details — no cloud upload required.

• App Lock & Privacy
Protect your financial data with biometric (fingerprint/face) or PIN app
lock, and screen-recording/screenshot protection on sensitive screens.

• Optional Encrypted Backup
Back up your data to your own Google Drive with AES-256 encryption using a
password only you know. Fully optional — off by default.

• Export Anytime
Export your transaction history as CSV, or create an encrypted backup file,
whenever you want. Your data, your control.

YOUR PRIVACY MATTERS
Vault Spend requests SMS access solely to detect financial transaction
alerts and automatically log your expenses — this is core to how the app
works. Your SMS content, receipts, and transaction data stay on your device
by default and are never sold or shared with advertisers. Optional cloud
backup is encrypted and goes to your own Google Drive account, not our
servers. See our full Privacy Policy for details.

Vault Spend is not affiliated with, endorsed by, or officially connected to
any bank, payment provider, or financial institution. Bank and UPI SMS
formats are parsed for personal transaction-tracking purposes only.

Take control of your money — automatically, privately, and securely — with
Vault Spend.