Free Expense Tracker · Android · On-device · No Ads
Alkemi is a free expense tracker for Android that captures every transaction from your bank SMS and notifications — parsed locally, stored on device, never uploaded.
The status quo
They upload your statements to the cloud, sync your data to third-party servers, and build a profile of your financial behaviour. Alkemi is built to change this — providing a secure, automatic expense tracker for India that parses bank SMS locally on your device.
Transaction history synced to remote servers you don't control.
Behavioural tracking and ad profiling baked into "free" finance apps.
No automatic capture from SMS or push notifications — you do all the work.
Core functionality withheld until you subscribe — or the app shuts down.
How it works
From the moment a transaction happens to the insight it produces — the Alkemi expense tracker runs everything locally on your phone.
Alkemi reads your bank SMS and listens to push notifications from trusted apps — Google Pay, PhonePe, Paytm, and your bank's own app. Transactions are parsed locally using pattern matching across 50+ Indian bank formats. No text ever leaves the device.
Every transaction is categorised, deduplicated, and assigned to the right account. Budgets, weekly charts, category breakdowns, subscription detection, and spending insights surface automatically — all computed in-memory on your phone.
Your data lives in an on-device SQLite database. When you back up, the file is encrypted with XChaCha20-Poly1305 + Argon2id before it's shared anywhere — you choose where it goes. Restore needs your password and nothing else.
Privacy by design
For Alkemi, privacy-first isn't a marketing claim — it's a technical constraint built into the app's architecture. These aren't policies that could change; they are properties of the code.
Every transaction, account balance, goal, and debt entry is stored in a local SQLite database — alkemi.db — that never touches a network.
When you export a backup, the file is encrypted using XChaCha20-Poly1305 with a key derived by Argon2id (64 MB memory, random 16-byte salt) before your native share sheet opens.
Set a PIN or biometric lock per profile. Privacy Mode masks every balance and amount across all screens — useful on a commute or when sharing your screen.
The app code makes zero network calls — no HTTP client, no analytics SDKs, no telemetry anywhere in the codebase. There is no code path that can transmit your financial data.
The app
A calm, focused interface that shows you what matters — built around the way money actually moves in India.
What's inside
Every expense tracking feature listed here is present and working in the current build — verified from the source code, not a roadmap.
The moment a bank SMS arrives or a payment notification fires, Alkemi parses it locally — no paste, no photo, no manual entry. 50+ Indian bank formats recognised, 30+ trusted payment apps listened to. Duplicate transactions are caught by content hash before they hit storage.
Captures confirmations from 30+ trusted apps — Google Pay, PhonePe, Paytm, BHIM — parsed and stored locally.
notificationListener.tsScans 400 days of history to surface recurring charges. Detects cancellations across streaming, SaaS, and subscription services.
SubscriptionDetectionService.tsBank accounts, cards, wallets, cash. Balance anchoring from SMS with drift detection. Transfers matched automatically.
ReconciliationOrchestrator.tsCreate goals with targets and deadlines. Log contributions, track progress. Full history stored locally.
GoalRepository.tsLog who owes whom, due dates, partial payments. See your net position. Reminders built in.
DebtRepository.tsMonthly budget, daily safe-spend. Spending anomalies, top merchants, category trends — no cloud required.
insights.tsExport full transaction history. Import from CSV to migrate from another app. Your data, your format.
export.ts · import.tsLight, Dark, Midnight, Ocean, Forest, Sunset, Rose, Aurora — all included, all free. No tiers, no unlocks.
src/theme/variants/The difference
Most money tracker apps are designed for ad profiling and data collection. Alkemi is built to be a private money tracker, putting you in absolute control of your finances offline.
Common questions
Clear answers about how the Alkemi private money manager app secures your personal finance data offline.
Alkemi reads transaction SMS messages from Indian banks directly on your device. When a debit or credit SMS arrives — from HDFC, SBI, ICICI, Axis, Kotak, or any major Indian bank — it parses the amount, merchant, and account using on-device pattern matching. It also captures notifications from UPI apps like Google Pay, PhonePe, Paytm, and BHIM. No manual entry, no cloud.
Alkemi parses SMS from 50+ Indian banks — HDFC, SBI, ICICI, Axis, Kotak, Yes Bank, PNB, Bank of Baroda, Canara Bank, and more. For UPI, it captures confirmations from Google Pay, PhonePe, Paytm, BHIM, Amazon Pay, and 30+ other apps. All parsed locally, nothing sent over the network.
Yes — every feature works in airplane mode. The app code makes zero network calls — no HTTP client, no analytics SDKs, no telemetry. Transaction parsing, storage, analytics, budgets, and backups all run entirely on your device.
Yes, entirely. Every feature — savings goals, debt tracking, analytics, encrypted backups, all 8 themes — is available to every user with no Pro tier, no subscription, and no ads. Alkemi is free because it has no cloud infrastructure to run.
Soon. The app is in its final pre-launch phase — core features are complete, we're polishing onboarding and reliability. Join the waitlist and you'll get a single email when it's live on the Play Store. No newsletters, no drip campaigns.
Early access
Alkemi is in its final pre-launch beta stages. Leave your email on our early access waitlist to hear from us first — no spam, just a single note when this private money tracker is ready to download on the Google Play Store.
No spam. No marketing. Just a launch email.
We'll send one email when Alkemi is ready to download.