Tired of budget trackers uploading your private SMS to servers to pitch you loans? MandateVault is India’s first 100% offline-first expense & SIP mandate tracker. No logins, no servers, and zero data leakage. All parsing is done locally on your device.

Hey Product Hunt! 👋 I'm the creator behind MandateVault. Like many of you here, I got increasingly frustrated with personal finance and budget tracking apps in India. Nearly every major app forces you to link your bank accounts via Account Aggregator, or scrapes your SMS messages and ships them to remote servers—usually just to build a credit profile and spam you with credit lines and personal loan offers. I wanted a budget tracker that respected my absolute financial privacy. So, I built MandateVault—a secure, fully offline-first expense and recurring mandate companion. 🔒 How we guarantee absolute privacy: • 100% Local Processing: The app reads and categorizes your banking transaction SMS (UPI, Debit Card, Credit Card) client-side in real-time. • No Servers, No Logins: We do not have a backend server. The app requires no email sign-in, no phone login, and no bank account linking. Your database lives securely in your phone's local SQLite sandbox. ✨ Key Features: • Interactive 30-Day Calendar Timeline: Automatically projects historical recurring SIP mandates, EMIs, and utility bills so you never miss an auto-debit and can plan your balance. • Category Budgets & Zero-Spam Alerts: Set category limits and get real-time on-device alerts (cached to notify you at most once per month to avoid spam). • Sleek Trends & Analytics: Interactive 6-month historical spending trends with unified query search. MandateVault is completely free, clean, and runs entirely in your local sandbox. I’d love to hear your feedback on the client-side parsing accuracy, feature ideas, or any custom widgets you'd like to see next! Thank you for supporting private, true serverless software! 🚀

MandateVault

Offline-first personal budget & recurring payment tracker

Offline-first personal budget & recurring payment tracker