Built for India · Review-first · Private by default

See your money
clearly.

A personal finance app for people who want one calm view of their money — expense tracking, budgets, cashflow, bills, and subscriptions, built around how salaries, UPI, and EMIs actually land in India.

✓Encrypted at rest, private to your account
✓Review-first — nothing is recorded without you
✓Export or delete anytime

Built for real Indian budgets — salaries, UPI spends, EMIs, rent, and subscriptions

Why CashCove

Personal finance, run like an operating system

Track spending with context

Every transaction keeps its account, category, and the message it came from — so you always know what actually happened.

Stay ahead of budgets & renewals

Budgets, bills, subscriptions, and loan payments live together and get flagged before they surprise you.

Understand your cashflow

See the shape of the month — money in vs out, your recurring load, and what's actually liquid right now.

How it works

Clarity first. Then control.

From tracking expenses to running budgets, bills, EMIs, and subscriptions as one monthly cycle.

1Observe

See the shape of the month, not just raw transactions

CashCove keeps account balances, category drift, and recent activity in one view, so spending has context instead of just a timestamp and amount.

2Operate

Run budgets, bills, and renewals before they surprise you

Budgets, bills, subscriptions, loan payments, and goals are handled as one monthly cycle. Stop remembering dates; start working from a calm surface.

3Decide

Move from logging money to steering it

Recurring detection, insights, and category pressure move the app from useful-between-paydays to the thing you actually steer by.

Android app

Your bank already texts you

The companion app reads transaction alerts on your phone and turns them into drafts. You approve them on the web — nothing posts to your ledger on its own.

  • ✓Only messages that look like bank or payment alerts ever leave the phone.
  • ✓Everything arrives as a draft you review — never posted automatically.
  • ✓Turn capture off, or sign out, and the phone stops watching.
Get the Android app

Version 0.2.1 · 59.8 MB · Android 7.0 or later. Direct download — not on the Play Store yet, so the page walks you through the warnings Android shows.

Product preview

An expense tracker and budget planner in one view, not a pile of widgets

Balances, category pressure, renewals, and cashflow sit together — because that's how real monthly decisions get made.

Peace of mind

When the month gets noisy, CashCove stays calm

Yours alone

A personal command center, not a noisy social feed or a points engine.

Built for real monthly life

Budgets, bills, subscriptions, loans, goals, and balances belong together.

Friction trimmed where it matters

Quick add, search, CSV imports, and SMS/email capture cut the clerical work.

Questions

The things worth knowing before you sign up

Does CashCove connect to my bank?
No. CashCove never asks for your bank login and never pulls from your accounts. You add transactions yourself, import a CSV, or let a capture surface turn a bank alert into a draft you approve.
What does the Android app read from my SMS?
Only what you switch on, and only after you sign in. Capture reads messages that arrive from the moment you opt in — never your existing history — and only the ones that look like a bank or payment alert leave the phone; the rest are discarded on the device. Sender discovery scans your inbox on the phone to suggest which bank sender IDs to link, and message bodies from that scan are never uploaded. We keep the original message text for 7 days, then erase it, retaining only a digits-masked preview so a draft can still be traced to its source. Full detail is in the Privacy Policy.
Can anything be recorded without me?
No. Whatever a capture surface finds arrives as a draft in your inbox. It only reaches your ledger after you review it, fix anything that is off, and approve it — and dismissing a draft leaves your books untouched.
Can I export my data, or delete it?
Both, from Configure, without emailing anyone. Export everything as JSON or CSV whenever you want. Deleting your account permanently removes your data.
Does it handle more than one currency?
Yes. Set your base currency in Configure, and when you record something in a different one CashCove converts it as you enter it, so your totals stay in a single unit.
Do I need the phone app?
No — the web app is the whole product, and capture is a shortcut rather than a requirement. The Android app adds SMS capture on top of it, and you can download it here. There is no iOS app: Apple does not let an app read SMS, so the capture it exists for is not possible there.
What does it cost?
Nothing right now. CashCove is free while we build it out, and if that changes we will tell you before it affects your account.
CashCove

A calmer way to run your money

Try the command center, see the product in motion, and stop managing your month with guesswork.

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