Fundstash turns the bank, card and UPI SMS you already get into a clean expense tracker, automatically. What makes it different: everything happens on your phone. No account, no bank login, no cloud. Your data is encrypted on the device and never leaves it. • Auto-tracks spends from bank SMS (Shortcuts on iPhone) • Smart categories, budgets, bills, goals • Split bills and IOUs with one link • Receipt scanning • Optional on-device AI: ask "How much on food this month?" Free. No ads.