For Android · free, no account needed
Daybook reads the bank and UPI messages already on your phone and keeps the ledger for you — no typing, no bank login, and nothing leaves the phone unless you turn on sync.
Android 9 or later. Works offline.
Messages · AX-MYBANK · 9:41
Rs.450.00 debited from A/c XX4821 on 14-Oct-26 to VPA anandbhavan@okbank. UPI Ref 629104837215. Not you? Call 1800-000-0000.
Today−₹1,149
The same payment, seen again in a notification — counted once.
Bank, card and UPI messages are read as they arrive — and the ones already in your inbox on day one.
The SMS, the bank app’s notification and the UPI app’s notification are one payment, not three.
No account, no server, no bank login. Daybook works in flight mode. The cloud is optional and paid.
The daybook
A daybook is where transactions are written down as they happen, before they go anywhere else. Daybook does that for you, then sorts out the parts that make most expense trackers wrong.
Only messages from banks and payment services that mention an amount are kept. Never OTPs, never texts from people.
A failed or reversed payment cancels the one it refers to, instead of showing up as income.
Re-file one payment to your local café as “Food” and every one after it is filed for you.
Monthly limits per category, with an alert before you go over — not after.
Repeating charges are picked out so you can see what renews, and when.
Each account reconciles against the balance your bank states in its own messages.
Moving money between your own accounts is a transfer, so it never inflates what you spent.
Foreign-currency charges are converted to rupees at rates you set.
Full backup to a file, CSV and PDF exports, and bank-statement CSV import.
Privacy
The full detail, including who processes payments and how long records are kept, is in the privacy policy.
Daybook Cloud
Sign in on your phone and Daybook keeps a copy in sync — across your phones and the web app, where month-end review, bulk re-filing and budgets are easier with a keyboard.
Pricing
₹0
No account, no card
The Android app on its own. Everything stays on your phone.
₹49a month
or ₹499 a year — save 15%
Daybook Cloud. 14 days free, then pay by UPI AutoPay or card.
₹99a month
or ₹999 a year — save 16%
Not on sale until its features are built.
Not available yet
Prices include any tax that applies. Cancel any time; you keep what you paid for until the end of that period, and your data stays readable and exportable after it.
Yes. The Android app is free, with no account, no ads and no limit on how much it records. You only pay if you want Daybook Cloud — sync between phones and the web app.
No. Daybook never asks for a bank login, net-banking password or account aggregator consent. It only reads the messages your bank already sends to your phone.
Google Play lets only a few kinds of apps read SMS, and an expense tracker is not one of them. So Daybook is downloaded from this site, and you can check the file’s fingerprint before you install it.
No. iOS does not let any app read your messages, which is the whole of what Daybook does. With Daybook Cloud you can use the web app from any device, but the capture happens on an Android phone.
Your synced ledger is encrypted on its way to us, but it is not end-to-end encrypted: our server can read it, which is what lets the web app search and total it. Your original messages never leave your phone. We do not sell or share your data, and staff access is limited to fixing a problem you report. The privacy policy has the detail.
Your phone keeps working exactly as the free app does. In the web app everything stays readable and exportable; editing and sync pause until you subscribe again.
Yes, from Settings → Plan & billing in the web app, or by cancelling the mandate in your UPI app. You keep what you paid for until the end of that month or year.