Fundea reads your bank SMS, auto-logs every transaction, tracks budgets and goals, and keeps every byte of your data on your phone.
Every feature is built around the same idea: get out of your way until it actually has something useful to say.
Bank alerts become transactions automatically. Smart parser handles UPI, cards, ATMs, NACH auto-debits, and statement reminders. Loan EMIs and unfamiliar cards land in a review inbox so you approve them once and they're tracked from then on.
Per-category limits with live progress. We ping you before you overspend, not after — and again on the morning a bill is due.
Set a target and a date. Add to it any time. Milestone celebrations make 25%, 50%, 75% feel like real progress, because they are.
Monthly bar chart, category donut, top-5 spends. 50/30/20 and other budgeting rules show how your real spending compares — at a glance.
Data lives on your phone. PIN + biometric lock, screenshot prevention on sensitive screens, encrypted at rest. No accounts required.
Back up to a hidden Drive folder only Fundea can see. Scan Gmail for bank emails to catch transactions SMS missed. Off by default.
Fundea is local-first by design. Transactions, budgets, goals, and linked-account hints are stored encrypted on your phone. There is no cloud account to sign up for, no analytics SDK, no third-party tracking.
If you want backups, opt in to Google Drive sync — files land in a hidden per-app folder only Fundea can read. Sign out and your local session clears immediately.
Free. No signup. No ads. Android first — iOS later.