Pocket Advisor Logo
Pocket AdvisorAndroid
Get App
100% PRIVATE ON-DEVICE TRACKING • ZERO LOAN SPAM • ZERO DATA HARVESTING

Track Every UPI Rupee Automatically.Without The Predatory Loan Calls.

Automatic Bank & UPI Tracking • Split Bills + 1-Tap UPI QR • AI Copilot Insights

Tired of manually typing every chai, auto ride, and Swiggy order? Or trackers that upload your private banking texts to spam you with personal loans? Pocket Advisor automatically logs expenses 100% locally on your phone—zero data sold, zero telemarketing. Split expenses with friends, manage budgets, and get smart AI Copilot financial coaching.

GET IT ONGoogle Play Try the free bill splitter
100% On-Device Privacy Zero Loan Calls or Spam 1-Tap UPI QR Splits Free Core Tools Forever
Explore toolsApp features 6-in-1 calculators UPI tracker 50/30/20 planner 🪔 Diwali UPI guide
A clearer view of your money
Pocket Advisor Android Dashboard: Total Balance, Category Alerts, and Recent Transactions
Money overviewStay in control
Everyday financeTrack · Split · Plan
Auto UPI & Bank SMS TrackingInstant auto-logging from SBI, HDFC, ICICI, Axis & 50+ banks. No manual typing.100% Private • Zero Loan SpamZero cloud tracking. Zero telemarketing calls. Data stays strictly on your device.Group Splits + 1-Tap UPI QRSplit flatmate rent & trip bills without switching apps. Settle instantly via QR code.AI Copilot Financial CoachReal-time burn rate pacing, budget overrun alerts & smart monthly savings coaching.
100% On-device private ledger Smart AI Copilot spending velocity Instant 1-tap bill settlements via UPI QR
Full Product Architecture

Every Financial Workflow. Solved On-Device.

Built exclusively for Android with local-first SQLCipher encryption, automatic transaction logging, optimal debt simplification, and smart financial intelligence.

Zero-Effort Automation

Auto-Tracks Every Bank & UPI Expense. 100% On-Device.

Stop logging transactions by hand. Pocket Advisor automatically detects incoming bank debit alerts (HDFC, SBI, ICICI, Axis, Kotak & 50+ banks) directly on your phone. No manual typing, no bank logins, and zero SMS data uploaded to any server.

Instant Zero-Click Logging: Spends from Swiggy, Zomato, Uber, Blinkit, and local UPI QR scans are captured instantly.
Smart Merchant Learning: Re-categorize a merchant once (e.g. Swiggy Instamart as Groceries), and the app remembers forever.
Strict OTP & Privacy Shield: Banking OTPs, 2FA codes, and personal messages are dropped in memory within 1 millisecond.
Explore UPI SMS Tracker
Live Parser Simulation● 100% On-Device
INCOMING BANK SMS (READ ON-DEVICE)
Sent Rs.849.00 from HDFC Bank A/C **4108 to SWIGGY BANGALORE on 17-Oct-26 via UPI Ref 4291849102. Bal Rs.48,210.00
AUTO-PARSED LEDGER TRANSACTION
SwiggyFood & Dining • HDFC Bank
-₹849.00
⚡ Parse latency: < 2.1ms🔒 Cloud upload: 0 Bytes
Group Financial Harmony

Splitwise Made Simple — Settle via 1-Tap UPI QR

Splitting rent with flatmates or dividing road trip expenses? Pocket Advisor simplifies net balances so nobody owes multiple people. Friends can scan an on-screen dynamic UPI QR code to settle up instantly.

80% Fewer Transfers: Mathematical debt reduction turns 12 tangled transfers into just 2 clean settlements.
Instant 1-Tap UPI Pay: Direct handoff to Google Pay, PhonePe, Paytm, or CRED with pre-filled amounts.
On-Screen Dynamic QR: Friends scan right from your screen to pay without asking "What's your UPI ID?".
Try Free Web Bill Splitter
Goa Trip Settlement (4 Friends)Greedy Bipartite Graph
Without Optimization12 TransfersEveryone owes everyone else
With Pocket Advisor2 TransfersDebts minimized & cleared
AmitpaysPriya
₹2,840
SnehapaysRahul
₹1,420
The Anti-Loan Spyware Guarantee

Zero Loan Ads. Zero Telemarketing Calls. 100% Private.

We don't ask for netbanking passwords, bank logins, or cloud access to your messages. We have zero lending partners and never sell your profile—so you will never receive an unsolicited loan call.

SQLCipher AES-256 Room DB

All transactions, categories, and account balances are stored in a locally encrypted SQLCipher database on your phone. Even if physical device files are extracted, data remains unreadable.

Hardware Android Keystore

Database encryption keys are generated and sealed within your phone's hardware-backed Trusted Execution Environment (TEE) or StrongBox keymaster chip.

FLAG_SECURE Screen Shield

App screens are protected with Android's FLAG_SECURE window flag, blocking screenshots, screen recordings, and OS app-switcher snapshot leaks when multitasking.

Frequently Asked Questions

Frequently Asked Questions

Clear answers about permissions, security, and Android capabilities.

Never. Most popular Indian expense trackers upload your financial SMS to remote servers, build a credit profile on you, and sell your contact info to loan brokers and telemarketers. Pocket Advisor has zero lending partners, zero credit card cross-sells, and parses all bank SMS 100% on your device. We will never sell your data or spam you.