Kosh reads your bank messages, categorises every rupee, tracks your cards, FD, EPF and NPS, and tells you exactly where you stand. All on your phone, nothing in the cloud.
Kosh does the boring part automatically, so you only make the decisions.
ICICI, HDFC, SBI, Axis, Kotak, PNB, Bank of Baroda and more: 15 banks. New transactions appear the moment the SMS arrives, de-duplicated.
1,000+ Indian merchant names recognised, payments to people spotted, and it learns every correction you make.
Outstanding, utilisation and statement bills from SMS, with reminders before every due date.
Enter once; values update every day. Savings interest accrues on your daily balance at your bank's rate.
Budgets that warn before you overshoot, and goals that tell you the monthly saving needed — with an optional loan.
A monthly score, spending pace, subscriptions found, card utilisation and what to do next — with the numbers.
Free update. It installs over your current Kosh and keeps everything.
Subscriptions, EMIs and UPI AutoPay mandates found in your spending, what is due in the next 30 days, and an alert when a price goes up.
What you can spend each day until payday, once card bills and repeating payments due before it are set aside.
What's left on each loan, the EMI split and how much a prepayment saves. Home-loan interest and principal flow into the tax planner (24(b), 80C).
Import a bank statement CSV for history your SMS missed. Rows Kosh already has are skipped automatically.
Tag a trip, split one bill across categories, and keep track of money lent to or borrowed from friends and family.
Attach the bill photo or PDF to a payment, encrypted on your phone, with a reminder a month before a warranty ends.
Monthly and yearly PDF reports, your year in review, and a calendar of what you spent each day and what is coming up.
Unspent budget rolls over to next month, and envelope mode gives every rupee of income a job.
Use Kosh in Hindi as well as English: switch in More → Appearance.
Net worth, what came in, what went out, and whether you're on pace — before you even scroll.
Not generic tips. Kosh looks at your own data and tells you what changed and what to do.
Every number shows where it came from — the balance you entered, or the latest one your bank reported.
Kosh has no servers, no account and no analytics. Your financial data lives only on your device.
Kosh isn't on the Play Store yet, so you install the APK directly.
Tap Download APK on your Android phone.
Open the file and allow installs from your browser when asked.
Play Store → Play Protect → ⚙ → pause scanning, install, then turn it back on. Android flags all apps that read SMS.
Add your accounts with today's balances, allow SMS, and Kosh imports the last 180 days.
Yes. No subscription, no ads, no account.
ICICI, HDFC, SBI, Axis, Kotak and DBS are read in detail; PNB, Bank of Baroda, Canara, Union Bank, IDFC FIRST, IndusInd, Yes Bank, AU and Federal Bank are recognised too, and a general parser covers the rest. For history SMS missed, import your bank statement as CSV. Anything it misreads lands in a Review inbox where you fix it once and Kosh learns.
To read transaction messages from your bank and turn them into entries automatically. Messages are processed on the phone and never uploaded anywhere.
Android shows extra warnings for any app installed outside the Play Store that asks for SMS access, because scam apps abuse it. Kosh only reads messages to track your money, offline.
No. New versions install over the old one and keep everything. Turn on automatic backups in More → Automatic backups, or make one any time from More → Back up.
Not yet — iOS doesn't let apps read SMS, so Kosh is Android-only for now.
Free, private, and built for how money works in India.
Kosh is free and open source. If it helps you, a ⭐ on GitHub helps more people find it.