Kosh turns your bank SMS into a full money tracker, and nothing leaves your phone. It reads messages from 15 Indian banks, sorts spends with an open dataset of 1,000+ merchants, spots transfers between your own accounts, and tracks card bills, UPI AutoPay and EMIs. See what's left to spend until payday, set budgets and goals, follow FD, EPF and NPS. No login, no ads, no analytics. Encrypted on-device, with an offline edition that has no internet access. Free, GPL-3.0.