Cashiro — Free & Open‑Source, private SMS‑powered expense tracker

Cashiro is a comprehensive financial tracking manager that Turn bank SMS and PDF Statements into a clean, searchable money timeline with on-device AI assistance. 100% private, no cloud processing.

Overview

For Android users worldwide who want comprehensive financial tracking — automatic expense tracking from bank SMS, manual cash entry, budgeting, clean categories, subscription detection, and clear insights. Supporting 40+ banks across 5 countries with multi-currency capabilities.

How it works

1. Grant SMS permission (read‑only). No inbox changes, no messages sent.
2. Cashiro parses transaction SMS, extracts amount, merchant, category, and date.
3. View analytics, subscriptions, and the full transaction timeline — with on-device AI assistant for insights.

Why Cashiro

• 🤖 Smart SMS Parsing - Automatically extracts transaction details from 40+ banks across 5 countries
• 🗂️ Smart PDF Parsing - Automatically extracts transaction details from GPay and PhonePe PDF UPI Statements.
• 💰 Smart Budgeting - Set and track monthly budgets with visual progress indicators
• 👛 Cash Wallet - Dedicated default wallet for tracking cash expenses
• 🏦 Advance Account Management - Create Custom account for manual tracking
• 📂 Advanced Categories - Create and manage custom categories and subcategories
• 📈 Advanced Visualizations - Interactive animated Line, Bar, and Heatmap graphs
• 👤 User Profiles - Support for personal user profiles
• 🔔 Smart Notifications - Alerts and reminders for important financial events
• 🌍 Multi-Currency Support - Native support for ₹, $, د.إ, ₨, ብር with proper localization
• 📊 Clear Insights - Analytics and charts to instantly see where money goes
• 🔄 Subscription Tracking - Detects and monitors recurring payments
• 💬 On-device AI Assistant - Ask questions like "What did I spend on food last month?" locally
• 📤 Data Export - Export as CSV for taxes or records

Supported Banks & Countries

Supporting 47+ banks across 10 countries with multi-currency capabilities:

🇮🇳 India (35 banks) - INR ₹

• HDFC Bank, State Bank of India (SBI), ICICI Bank
• Axis Bank, Punjab National Bank (PNB), IDBI Bank
• Indian Bank, Federal Bank, Karnataka Bank, Kerala Gramin Bank
• Canara Bank, Bank of Baroda, Bank of India
• Jupiter (CSB Bank), Amazon Pay (Juspay), Kotak Bank
• IDFC First Bank, Union Bank, HSBC Bank
• Central Bank of India, South Indian Bank, JK Bank
• Indian Overseas Bank, Airtel Payments Bank, AMEX
• OneCard, UCO Bank, AU Bank, and more...

🇺🇸 USA (4 banks) - USD $

• Citi Bank, Discover Card, Old Hickory Credit Union, Charles Schwab

🇦🇪 UAE (3 banks) - AED د.إ

• First Abu Dhabi Bank (FAB)
• Abu Dhabi Commercial Bank (ADCB)
• Mashreq Bank

🇸🇦 Saudi Arabia (1 bank) - SAR ﷼

• Alinma Bank (بنك الإنماء) - Arabic SMS support

🇧🇾 Belarus (1 bank) - BYN Br

• Priorbank - Russian/Belarusian SMS support

🇳🇵 Nepal (3 banks) - NPR ₨

• Laxmi Sunrise Bank, Everest Bank, NMB Bank (Nabil Bank)

🇪🇹 Ethiopia (1 bank) - ETB ብር

• Commercial Bank of Ethiopia (CBE)

🇨🇴 Colombia (1 bank) - COP $

• Bancolombia

🇰🇪 Kenya (1 service) - KES Ksh

• M-PESA - Mobile money service

More banks being added regularly! Request your bank →

Privacy First

All processing happens on your device using MediaPipe's LLM. Your financial data never leaves your phone. No servers, no uploads, no tracking.

Screenshots

Home	Analytics	AI Chat	Settings
Subscriptions	Transactions	Account Details	Categories
Budgets	Budget Details	Budget History	Profile

Quick Start

# Clone repository
git clone https://github.com/ritesh-kanwar/Cashiro.git
cd Cashiro

# Build APK
./gradlew assembleDebug

# Install
adb install app/build/outputs/apk/debug/app-debug.apk

Requirements

• Android 8.0+ (API 26)
• Android Studio Ladybug or newer
• JDK 11

Tech Stack

Architecture: MVVM • Jetpack Compose • Room • Coroutines • Hilt • MediaPipe AI • Material Design 3

Project Structure

The app follows a modern Android architecture guideline, separating concerns into Data, Domain, and Presentation layers.

com.ritesh.cashiro
├── data                # Data layer (Repositories, Room Database, Data Sources)
│   ├── database        # Room entities and DAOs
│   ├── repository      # Repository implementations
│   ├── manager         # SMS and Notification managers
│   └── preferences     # DataStore preferences
├── domain              # Domain layer (Use Cases, Models)
├── presentation        # UI layer (Jetpack Compose)
│   ├── ui              # Composable screens and components
│   │   ├── features    # Feature-specific screens and viewmodels (Transactions, Budget, etc.)
│   │   └── components  # Reusable UI components
│   └── navigation      # Navigation graph and destinations
├── di                  # Dependency Injection (Hilt Modules)
└── utils               # Utility classes and extensions

Community & Support

• Issues: Report bugs or request features — Open an issue

Contributing

See CONTRIBUTING.md for guidelines.

Please read our Code of Conduct before participating.

./gradlew test          # Run tests
./gradlew lint   # Check style

Security

Please review our Security Policy for how to report vulnerabilities.

Contributors ✨

This project follows the all-contributors specification. Contributions of any kind welcome!

Acknowledgements

Special thanks to the following projects and resources:

• PennyWise AI - The base and inspiration of this project.
• Microsoft Fluent Emojis - Beautiful emojis used for category icons.
• Haze - Applied for stunning blur effects.
• Compose Charts - Used for creating animated charts and graphs.
• Reorderable - Used for re-ordering widgets.
• Peeps Ui8 - Used for Built-in User Avatars.
• Iconax - Used for icons

License

GNU General Public License v3.0 - see LICENSE

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