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Master Your Money.
Zero Effort.

MoneyZo is the smartest way to track your expenses, manage budgets, and achieve your financial goals. Let Auto-Track handle the math while you focus on living.

Download on Google Play
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1

Dashboard

Net Balance July 2026

₹20,982

Income ₹31.8K
Expense ₹27.5K
Saved 13%
16 d left
Expense
Income
Transfer
Report
Today's spend ₹0 ▼ 100% vs yd
Month saved ₹4.3K 13% of income
Days left 16 of_days
Accounts 3 total
Cash cash
₹610
kotak bank
₹20,297

Everything you need,
all in one place.

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Auto-Track SMS Engine

Reads incoming bank notification SMS messages locally on your phone. Automatically extracts amount & merchant without manual entry or bank logins.

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Multi-Account Manager

Effortlessly track Bank Accounts, Cash Wallets, Credit Cards, and Savings accounts. Log balance transfers with custom default accounts.

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Smart Category Budgeting

Set custom daily, weekly, or monthly spending limits per category (Groceries, Dining, Travel). Visual progress bars alert you before overspending.

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Visual Analytics & Reports

Analyze your financial health with interactive pie charts, monthly income vs expense trends, and detailed category breakdowns.

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100% On-Device Privacy

Your financial records stay 100% local on your phone. No cloud servers, no data selling, no tracking, and zero ads ever.

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AES-256 Encrypted Backups

Export & import password-encrypted .moneyzo backup files anytime. Seamlessly migrate all your records to any new device offline.

How Auto-Track Works

1

Make a Payment

You pay for something using your banking or payment app (e.g., GPay, PayPal) as usual.

2

MoneyZo Detects It

Our secure on-device engine reads the notification and extracts the amount and merchant name.

3

Review & Confirm

The transaction is placed in your Pending list. You categorize and confirm it with a single tap.