Most budgeting apps fail because logging every expense is work. AlloCat skips that step. Budget your month once. After that AlloCat reads your bank's debit SMS on-device, pulls out the amount, date and merchant, and files it into the right category - no typing, no bank login, no account linking. Your SMS never leaves your phone. Also tracks net worth, goals, debts and money you've lent. Works offline. AI chat that knows your real numbers. Free forever. No plans, no trial, no ads.

Hey Product Hunt, I'm Ashwin, an engineer at Octane Innovations in Kerala, India. AlloCat started as my own itch: I'd begin every budgeting app with good intentions and quit by week two, not because budgeting is hard, but because logging is. Every expense is a small tax on your attention, and eventually you stop paying it. Here, almost every UPI payment and card swipe already sends you a bank SMS. That's the ledger. It's just sitting on your phone doing nothing. So AlloCat reads it, on-device, plain regex, no LLM, nothing uploaded, RECEIVE_SMS only so it never touches your inbox history, and turns it into a categorised transaction. You budget once a month; the tracking happens on its own. The rest is what I wanted for myself: net worth, savings goals, debts and money lent out, full offline support, and an AI chat that actually knows your numbers instead of giving generic advice. It's free. Not freemium, free. No plans, no trial, no locked features, no ads, no data selling. There's a Ko-fi if you want to support it, and it gets you a crown badge that does nothing. The SMS tracking is Android-only for now; the web app works anywhere. One thing I'd really like to hear: what broke your budgeting habit? The logging, the guilt, or the app just being boring? I'd rather build the roadmap against real reasons than our own guesses.

I strongly suggest more people to use the app. Mainly the auto-tracking feature helps to track the spendings in accordance with the allocated category. So instead of categorising the spends after we do all the payments Allocat helps us to bring every rupees a purpose at first itself, notifying use whenever we are about to finish any budget or overspend.

Hope Allocat helps more people in managing their budget and be on track financially.

AlloCat

Budget every rupee, automatically. Free forever.

Budget every rupee, automatically. Free forever.