Amla
Full-strength tracking.
Zero surveillance.
Every feature below runs entirely on your phone. That's not a constraint we worked around. It's the design.
Privacy & security
Privacy isn’t a setting you toggle. It’s built into what the app can and can’t do.
No internet permission, period
Parsing, ML, OCR and voice all happen on-device. Nothing can ever leave your phone, not even by accident or through a bug.
Optional app lock
Fingerprint, face, or device PIN. Required on launch and when returning from the background. It won’t lock you out mid-task when you open the camera or photo picker from within Amla.
One-tap data reset
Wipe everything stored in the app. Your original bank SMS are untouched and simply re-read on the next scan.
Reading your bank SMS
No manual data entry required. Amla reads the texts you already get and does the work for you.
Automatic inbox reading
Scans on launch and parses new texts live as they arrive, foreground or background. Scans are self-healing and never duplicate your transactions.
Hybrid parser
A deterministic rules engine plus an on-device ML model (TensorFlow Lite) cover each other’s gaps; the higher-confidence result wins.
Smart, generalizable detection
Recognizes real debits and credits by structure (settled verbs, currency-anchored amounts, account evidence) rather than brittle phrase lists. OTPs, promotions, payment reminders, mandates and balance statements are correctly ignored.
Bank identification
Resolves cryptic sender headers (BP-HDFCBK-S → HDFC Bank, VM-SBIMFD → SBI Mutual Fund) into readable names, and flags genuinely new banks for you to confirm.
Payment-method detection
UPI, card, net-banking, NEFT/IMPS, ATM, POS, wallet and more, inferred from the message itself.
Categorization
Automatic guesses, always correctable, and Amla learns from every correction.
Automatic category guessing
From the sender and message content, with a one-tap correction whenever it guesses wrong.
Learned per-merchant rules
Correct a category once and it’s remembered, then applied to that merchant’s future texts automatically.
Bulk apply
Categorize or hide one row and Amla offers to do the same for its untouched peers.
Sub-categories
An optional finer label under any category: Dining → Restaurants / Cafés / Delivery.
Custom tags
Cross-cutting labels like “Goa Trip” or “Reimbursable,” with bulk-tagging.
Self-transfers recognized
Moves between your own accounts are kept out of income and expense totals.
Fixing what the SMS didn’t get right
Your corrections are permanent; a re-scan will never overwrite them.
Correct any transaction
Flip a misread direction (an expense parsed as income), rename the merchant, adjust the amount or date, and set the payment method when the text didn’t reveal one (for example, marking a loan debit as a net-banking mandate).
Adding transactions yourself
Everything the SMS can’t see, you can add in seconds.
Manual entry
Alongside parsed texts, with full edit and delete.
Quick-add templates
Save any transaction as a one-tap template (the daily bus ticket, the weekly milk delivery), managed right from the Home screen.
Receipt scanning (OCR)
Photograph or pick a receipt and an on-device text-recognition model pulls out the amount, merchant and date. The image attaches to the transaction.
Voice entry
Dictate an expense in natural language, like “add toilet paper 150 rupees from Jio Supermarket,” and Amla fills in the amount, merchant and note. Uses Android’s on-device speech recognition and degrades gracefully where that isn’t available.*
Insights
Not just a list of transactions, but an understanding of them.
Month-by-month
View any past month, not just the current one, with a clear month stepper.
Income vs. expense chart
A scrollable bar chart with a pinned year axis; tap a month to jump into it.
Where it went
A category donut with a ranked breakdown.
By merchant & by payment method
See exactly who and what your money went to.
Anomaly callouts
“Dining is 40% above your usual,” surfaced automatically.
Smart month-end forecast
Projects your total spend from your repeating patterns (recurring bills, rent, subscriptions, EMIs, detected by receiver + amount), made robust so a one-off big purchase doesn’t throw the estimate off.
Savings rate & average per day
With month-over-month change.
Spending calendar heatmap
The month shaded by daily spend, with upcoming recurring payments marked on their due dates and a per-day detail view.
Investments as savings
Money moved into investments counts toward savings, not spending.
Budget & goals
Set the line, and always know where you stand against it.
Monthly limit
A budget with clear over/under indicators and a home-screen progress bar; the setup flow guides you right to it.
Savings goals
Named goals with a target and progress that updates as you save.
Subscriptions & reminders
The charges that repeat, caught before they surprise you.
Subscription tracker
“₹X/month across N recurring charges,” detected from your history, with next-due dates.
Reminders & weekly digest
Due-date reminders and a weekly digest notification that links straight into your insights.
Activity list
Your whole month, searchable and sliceable.
By month, grouped by day
With search across payee, category, tags and notes.
Category filter
Slice the month by category with an expandable chip list.
Filtered totals
When a search or filter is active, the In/Out totals reflect just what’s shown, so you can see exactly what you spent at one merchant that month.
Multi-select
Long-press to bulk categorize, tag, hide, or delete manual entries.
Transparent detail sheet
Swipe between tabs, and open any transaction to see the original parsed SMS for full transparency.
Currency & experience
Thoughtful details, wherever you are.
Selectable base currency
A curated list (₹ INR, $ USD, £ GBP, S$ SGD, A$ AUD, and more) with correct symbols and digit grouping. Chosen during onboarding, changeable anytime.
Data portability
Full on-device backup (transactions + receipts) and restore with a keep-your-edits merge, plus CSV export. Uses the system file picker; nothing goes to the cloud.
Light / Dark / System themes
Including a warm watercolor light theme.
Honest onboarding
The privacy model is explained up front, not buried in a settings page.
* Voice entry and receipt OCR rely on your device's on-device capabilities; availability varies by phone. Amla is Android-only and currently in early access; SMS detection is most battle-tested on Indian bank formats today, and generalizes structurally elsewhere.