Pocketoro is a private expense tracker for your phone. It turns bank SMS into entries, shows where every rupee went, and reminds you before an EMI is due. Your records stay on your device.
₹450 · SwiggyAdded from your bank SMS
Home loan EMI₹18,500 due in 3 days
Arjun owes you ₹2,000Lent on 24 Oct
On your phoneYour records are stored on your device
Bank SMS to entriesAmount, merchant and category filled in
Your own DriveOptional backup to a Pocketoro folder
6 themesOr make your own, light and dark
Scroll through the five things people use Pocketoro for most.
When your bank sends a debit or credit SMS, Pocketoro reads the amount and merchant and suggests a category. One tap adds it.
A donut of where your money went, totals by category, and how this month compares with the last one.
Add your loans, cards and monthly bills once. Pocketoro shows what is due next, how much is paid off, and reminds you before the date.
Record money you lend to friends or borrow from family. Each person has a running balance, and settling up takes one tap.
Type "Spent 250 on lunch" and the assistant turns it into an entry for you to confirm. Questions like "How much did I spend on food?" are answered from your own entries.
Pick a theme and the whole app follows: colours, corners, card style and font. Every theme is checked for readable contrast in light and dark mode.
Tap a theme to preview it on the phone. In the app you can also choose your own accent and background.
Pocketoro has no servers holding your records and no ads tracking you. Here is exactly where your data goes.
Every entry, account and note is saved on your device. The app works fully offline.
If you sign in with Google, backups go to a Pocketoro folder in your own Google Drive. They are never sent to us.
Pocketoro asks before reading SMS, looks only for bank transactions, and never uploads your messages.
The full privacy policy explains each permission. You can delete your data at any time.
Yes. You can download it from Google Play and use every feature without paying, and there are no ads.
No. You can start adding entries right away. Google sign-in is only needed if you want backups in your own Drive.
Pocketoro understands the debit and credit messages most Indian banks and card issuers send. If a message isn't recognised, you can paste it and edit the entry.
Back up to Google Drive on the old phone, sign in on the new one, and restore. You can also save a backup file and open it on the new phone.
Yes. Pick your currency in Settings and every amount follows it.
Install Pocketoro, add your first entry in a few seconds, and see your month take shape.
Pocketoro