Kahan Gaya Paisa

An Android app by KHAL Tech that records your spending automatically from payment app notifications and bank SMS alerts. Everything stays on your phone.

• Privacy Policy

What it does

• Records payments for you. When Google Pay, PhonePe, Paytm, BHIM, your banking app or your messaging app posts a notification for a completed payment, the app records it within a second or two. About 45 banks and card issuers are recognised. Anything a notification never mentions, such as cash, can be added by hand.
• Records each payment once. A payment that arrives both from a payment app and as a bank SMS is kept once, while two payments of the same amount from different accounts are kept apart.
• Sorts your spending. Payments are filed into categories automatically, and every correction you make teaches the app how to file that merchant’s next payment and what to call it.
• Shows where the money went. A today card against your daily budget, spending by category, how this week, month or year compares with the ones before it, tags, and a list of everyone you have paid with every payment made to each.
• Keeps you on budget. A daily budget, plus monthly and yearly budgets overall or per category, with an alert as you near or cross one.
• Keeps your records safe. Back up to a folder you choose, such as Google Drive, restore with a tap, or export everything as a spreadsheet.

Free and Pro

Everything you record and everything you can read about it is free: capture, automatic categorising, insights, budgets, tags, two categories of your own, backups by hand, and CSV export. Pro is an optional one-time unlock or yearly plan that adds:

• Unlimited categories of your own, and ten more built-in ones, such as House Expense and Vehicle Expense, with house and vehicle payments filed automatically
• More than five tags of your own
• Recurring payments, found automatically or added yourself
• Automatic backups on a schedule
• Comparing your spending with each of the last six weeks, months or years, not just the last one

Your privacy

• Nothing leaves your phone unless you save a backup or export yourself. There is no account, no server, no ads, no analytics and no crash reporting.
• Only payment notifications are read, from a fixed list of payment, banking and messaging apps. Everything else, including your personal messages and OTPs, is ignored and never stored.
• No SMS permission, no screen reading. Bank SMS are read only from the notification your messaging app shows.
• Access is always your choice. Notification access and the optional contact-name matching are explained in the app before you grant them, and can be turned off at any time.

The Privacy Policy covers all of this in full.

Contact

Questions or feedback: shardulmane3@gmail.com