Zero servers · Zero tracking · Zero accounts
Track every
expense.
Automatically.
Your bank sends SMS. Mudra turns them into insights. Budgets, goals, analytics — all offline, all encrypted, all free.
Download Free
50+ banks
·
150+ currencies
·
37 languages
AES-256 encrypted · 100% offline · No sign-up needed
How It Works
SMS arrives
Bank sends a transaction SMS to your phone
Mudra reads it locally
On-device parser extracts amount, merchant, category
Transaction appears
Categorized, encrypted, ready — without lifting a finger
The Transparent App
We can prove we
don't spy on you.
Right now, this website knows:
Your screen size:
Your theme:
That's it. We tried to find out more:
Your name
Your email
Your location
Your browsing history
Your financial data
Your bank details
Our app works the same way.
AES-256 encrypted. Zero servers. Your data stays yours.
Your bank sends SMS.
Mudra does the rest.
Reads notifications from 50+ banks worldwide. Transactions appear without you lifting a finger.
- HDFC, SBI, Nubank, BCA, Revolut, and more
- Smart categorization learns your patterns
- 100% local — nothing sent anywhere
Insights that
change behavior.
Financial health score, spending personality, money leak detection. Morning Money Minute at 9 AM daily.
- Category trends and weekly recaps
- Unusual spending alerts
- Export to Excel and PDF
Budgets that
fight for you.
4-step guided creation. Alerts at 80% and 100%. Under-budget streaks earn achievements.
- Daily, weekly, monthly, yearly
- Category, tag, festival, travel types
- 35+ achievements and XP levels
See It In Action
Watch it work.
No download needed.
HDFC Bank
Rs 450.00 debited from A/c XX4521 for SWIGGY on 15-Jun
Swiggy
Food & Dining
-₹450
Encrypted & stored locally
Start tracking.
Stop guessing.
Free to download. No account needed.
Download Free
No sign-up
No credit card
No tracking