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Deep Dive

Every feature,
explained.

Everything you need to take control of your finances. Nothing you don't.

Automation

Your bank talks.
Mudra listens.

Reads SMS and RCS notifications from 50+ banks worldwide. Transactions appear without you lifting a finger.

  • HDFC, SBI, ICICI, Nubank, BCA, Revolut, and more
  • Dual-SIM and RCS support (Google Messages, Samsung)
  • Smart category matching learns your patterns
  • 100% local processing — nothing sent anywhere
SMS Auto-Import

Intelligence

Insights that
actually help.

Financial health score, spending personality, monthly comparisons. Morning Money Minute delivers a personalized insight at 9 AM every day.

  • Category trends and money leak detection
  • Weekly recap nudge with top spending category
  • Savings opportunity alerts
  • Export to Excel and PDF
Analytics

Control

Budgets that
fight for you.

4-step guided creation. Category allocation, spending pace tracking, alerts at 80% and 100%.

  • Daily, weekly, monthly, yearly recurrence
  • Category-wise, tag-wise, day-wise, festival, travel types
  • Under-budget streaks earn achievements
  • Smart feedback as you set amounts
Budgets

Goals

Save with
purpose.

Set savings goals with target amounts and deadlines. Visual progress tracking with emotional milestones.

  • Progress rings and confetti celebrations
  • Smart deposit suggestions
  • Daily/monthly pace tracking
  • Health indicator (on track / needs effort / ambitious)
Goals

Security

Your data.
Only yours.

AES-256 field-level encryption. Biometric lock, PIN protection, guest mode. Zero cloud, zero servers, zero data collection.

  • Encryption key stored in Android Keystore / iOS Keychain
  • SMS body, merchant info, notes encrypted at rest
  • Guest mode hides all amounts
  • Graceful degradation — app works even if encryption fails
Dashboard

And more

Everything else
you'd expect.

Trips & Splits Dedicated trip budgets, group splitting, per-person balances, settlement tracking.
Recurring Bills Auto-creates transactions. SMS-matches payments. Reminders before due dates.
Gamification 35+ achievements, daily streaks, XP & levels, under-budget challenges.
4 Tone Personalities Friendly, Professional, Motivational, or Calm. Every message adapts.
37 Languages English, Hindi, Bengali + 34 more. Real translations, not machine-generated.
150+ Currencies Multi-currency accounts with exchange rates. Per-account currency with base conversion.
Material You Themes Dynamic theming, 10+ color themes, AMOLED dark mode, customizable dashboard.
Export & Backup Excel and PDF reports. Encrypted backup and restore. No data lock-in.

Ready to take control?

Free on Google Play. No account needed.

Download Free