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Cashiro

All-In-One Expense-Budget tracker for bank SMS and PDF statements with optional
New in version 2.1.61
- Integrated BPCE and Prime Commercial Bank parsers.
- Stability: Brand icons now persist correctly across app updates.
- Refreshed UI: New onboarding, filter sheets, and transaction card designs.
- Features: Unified currency, swipe to edit subscriptions, and custom billing cycles.
- Enhancements: Improved PDF import, duplicate detection, and PhonePe parsing.
- Customization: New "Rose Pine" palette and adaptive app icons.
- Convenience: Added Quick Setting toggles and App Shortcuts.
- Bug fixes
Cashiro — Free & Open-Source, private SMS-powered expense tracker

Automatically extracts transaction data from bank SMS messages and PDF Statements [Gpay & Phonepe UPI] using pattern-based parsing. Works 100% offline - no internet connection required.

Key Features:
• Multi-Source Transaction Extraction - Automatically parses SMS and PDF Statements [Gpay & Phonepe UPI] with pattern-based extraction
• 100% Offline Core Features - Transaction parsing, analytics, and exports work without internet
• Optional AI Chat - Download Qwen 2.5 model (1.5GB, Apache 2.0) for natural language queries
• Dynamic Home Screen - Customizable widgets including heatmaps, analytics, and transaction lists
• Advanced Budgeting - Track historical spending, manage monthly limits, and view subscription trends
• Auto-Categorization - Intelligent merchant cleaning and categorization for clear spending insights
• Data Portability - Export as CSV ; smart backup/restore for all preferences and data
• Premium Material You Design - Sleek interface with blur effects and fully customizable dynamic theming

Currently Supported Banks & Countries (80+ banks across 14 countries):
• India: HDFC, SBI, ICICI, Axis, PNB, IDBI, Indian, Federal, BOB, Canara, etc.
• USA: Citi, Discover, Old Hickory, Charles Schwab, Navy Federal
• UAE: FAB, ADCB, Emirates NBD, Mashreq, Liv Bank
• Nepal: Laxmi Sunrise, Everest, NMB, Siddhartha, Prime Commercial
• Thailand: Bangkok Bank, Kasikorn, SCB, Krungthai, Krungsri, etc.
• Other regions: Ethiopia (CBE), Tanzania (M-Pesa), Kenya (M-PESA), Pakistan, Iran, Egypt, Saudi Arabia, Colombia, Belarus.
• Plus payment services like Slice, LazyPay, Jio Pay, and Juspay.

Privacy & Security:
• No internet required for core functionality (SMS parsing, analytics, exports)
• Pattern-based transaction extraction - no AI needed for parsing
• Optional AI chat uses on-device Qwen 2.5 model (Apache 2.0 licensed)
• SMS permission is read-only - we never send messages
• No user accounts or cloud sync required
• Open source - audit the code yourself on GitHub
• Zero data collection or tracking

How It Works:
1. Grant SMS permission (read-only access)
2. App automatically parses bank SMS using regex patterns
3. View categorized transactions, analytics, and subscriptions
4. Optionally download AI model for chat features

Perfect for:
• Automatic daily expense tracking
• Understanding spending patterns and budgeting
• Managing subscription payments
• Financial planning and analysis
• Maintaining detailed transaction records

Technical Notes:
• Core SMS parsing uses regex patterns, not AI
• Optional Qwen 2.5 model (Apache 2.0) for chat feature only
• F-Droid flavor excludes all proprietary dependencies

Cashiro respects your privacy while helping you take control of your finances. Join thousands of users who trust Cashiro for secure, automatic expense tracking without compromising their data.

Versions

Although APK downloads are available below to give you the choice, you should be aware that by installing that way you will not receive update notifications and it's a less secure way to download. We recommend that you install the F-Droid client and use that.

Download F-Droid
  • Version 2.1.61 (94) suggested Added on Apr 12, 2026

    arm64-v8a armeabi-v7a

    This version requires Android 8.0 or newer.

    It is built and signed by the original developer, and guaranteed to correspond to this source tarball.

    Permissions
    • view network connections
      Allows the app to view information about network connections such as which networks exist and are connected.
    • run foreground service
      Allows the app to make use of foreground services.
    • have full network access
      Allows the app to create network sockets and use custom network protocols. The browser and other applications provide means to send data to the internet, so this permission is not required to send data to the internet.
    • show notifications
      Allows the app to show notifications
    • read your text messages (SMS or MMS)
      This app can read all SMS (text) messages stored on your phone.
    • run at startup
      Allows the app to have itself started as soon as the system has finished booting. This can make it take longer to start the phone and allow the app to slow down the overall phone by always running.
    • receive text messages (SMS)
      Allows the app to receive and process SMS messages. This means the app could monitor or delete messages sent to your device without showing them to you.
    • Schedule precisely timed actions
      This app can schedule work to happen at a desired time in the future. This also means that the app can run when you're not actively using the device.
    • use biometric hardware
      Allows the app to use biometric hardware for authentication
    • use fingerprint hardware
      Allows the app to use fingerprint hardware for authentication
    • prevent phone from sleeping
      Allows the app to prevent the phone from going to sleep.
    • com.ritesh.cashiro.DYNAMIC_RECEIVER_NOT_EXPORTED_PERMISSION

    Download APK 61 MiB PGP Signature | Build Log

  • Version 2.1.60 (93) - Added on Mar 24, 2026

    arm64-v8a armeabi-v7a

    This version requires Android 8.0 or newer.

    It is built and signed by the original developer, and guaranteed to correspond to this source tarball.

    Permissions
    • view network connections
      Allows the app to view information about network connections such as which networks exist and are connected.
    • run foreground service
      Allows the app to make use of foreground services.
    • have full network access
      Allows the app to create network sockets and use custom network protocols. The browser and other applications provide means to send data to the internet, so this permission is not required to send data to the internet.
    • show notifications
      Allows the app to show notifications
    • read your text messages (SMS or MMS)
      This app can read all SMS (text) messages stored on your phone.
    • run at startup
      Allows the app to have itself started as soon as the system has finished booting. This can make it take longer to start the phone and allow the app to slow down the overall phone by always running.
    • receive text messages (SMS)
      Allows the app to receive and process SMS messages. This means the app could monitor or delete messages sent to your device without showing them to you.
    • Schedule precisely timed actions
      This app can schedule work to happen at a desired time in the future. This also means that the app can run when you're not actively using the device.
    • use biometric hardware
      Allows the app to use biometric hardware for authentication
    • use fingerprint hardware
      Allows the app to use fingerprint hardware for authentication
    • prevent phone from sleeping
      Allows the app to prevent the phone from going to sleep.
    • com.ritesh.cashiro.DYNAMIC_RECEIVER_NOT_EXPORTED_PERMISSION

    Download APK 58 MiB PGP Signature | Build Log