EchoSpend reads your bank SMS alerts with a local AI model — completely offline. No cloud servers, no bank linking, no data leaks. Your finances stay on your phone.
Works with every major Indian bank
Tap through the feature tabs to explore the official app screens. Everything runs 100% on your device.
See your net worth, Safe to Spend budget pacing, linked bank accounts, and pending signals — all at a glance. Powered by a local SQLite database that never leaves your device.
EchoSpend has zero-trust architecture. No remote servers. No third-party APIs. No bank credentials. Everything stays encrypted on your device.
No data ever leaves your phone. There is no backend server to hack. Your transactions, categories, and budgets exist only in a local SQLite database on your device.
We never ask for bank logins or account aggregation credentials. EchoSpend reads standard text SMS alerts — the same messages your bank already sends you.
When you choose to back up, data goes to your personal Google Drive's hidden app folder. Even the developers can't access it. Secured with biometric lock.
EchoSpend ships a fine-tuned Qwen 2.5 1.5Blanguage model that runs entirely on your phone's CPU. It parses bank SMS, categorizes merchants, detects spend anomalies, and generates personalized financial tips — without ever sending a byte to the internet.
Five handcrafted color palettes — Echo, Ember, Rose, Midnight, and Mono — each with light and dark mode.
Quick answers about permissions, AI model, and privacy.
Most finance apps require linking your bank credentials or uploading statements to their servers. Echo Spend is 100% local-first — all data is stored in a SQLite database on your phone. No cloud servers exist to hack. Your money is your business.
Only with your explicit permission (Android only). The app reads incoming bank transaction alerts and parses them using a combination of regex patterns and an on-device AI model (Qwen 2.5 1.5B). No SMS text is ever sent to any server.
Echo Spend uses Google Sign-In to upload your encrypted database to a hidden, app-specific sandbox in your personal Google Drive (appDataFolder). Even the developers cannot access this folder. You can also export as CSV anytime.
Echo Spend includes a fine-tuned Qwen 2.5 1.5B language model (GGUF format, ~940MB) that runs entirely on your phone's CPU via llama.rn. It classifies merchants, categorizes transactions, detects spend anomalies, and generates financial tips — all offline.
The core app is free to download and use. Premium features like multiple themes, advanced analytics, and the AI financial advisor are available through an optional subscription.
Join thousands of Indians who budget smarter with EchoSpend. Free download. No sign-up required. No data leaves your phone.
