Tracking what you spend
💸 Income & expense tracking
Log a transaction in a few seconds — amount, category, date, optional note. Entries are typed in by you rather than imported from a bank feed, which means cash spending gets captured too. Bank-linked apps structurally cannot see the ₹200 you handed to a vegetable vendor, and for a lot of Indian households that is a meaningful share of monthly spending.
Available in: Basic (free), Premium, Business
📅 Monthly budget
Set a total spending limit for the month and watch a progress bar fill as you spend, so you know where you stand before the month ends rather than after.
Available in: Basic (free), Premium, Business
🗂️ Category-wise budgets
Set separate limits per category — groceries, fuel, eating out — and track each one independently. This is the version most people want once they have been tracking for a month or two and can see which categories actually need a limit.
If you are not sure what limits to set, the 50/30/20 calculator will give you a starting split in about thirty seconds.
Available in: Business
🎯 Savings goal management
Create a target — emergency fund, a trip, a deposit — set an amount and a date, and watch progress against it. Goals are separate from budgets deliberately: a budget constrains what leaves your account, a goal tracks what accumulates.
Available in: Business
Understanding the numbers
📊 Financial reports & charts
Category breakdowns, month-on-month comparisons and spending trends over time. The useful view is usually the three-month comparison rather than any single month — one bad month is noise, three months in the same direction is a pattern.
Basic gives you the core view. Premium and Business add ten separate report views — monthly summary, category analysis, year-to-date, expense trends, account balances, balance sheet and more.
Basic includes core reports. Premium and Business add the full reporting suite.
📂 Exporting your records
Your data is never trapped in our format — you can leave and take everything with you. Premium exports to CSV and JSON, which opens in any spreadsheet. Business adds formatted Excel workbooks and PDF reports for an accountant or a tax filing.
CSV & JSON export: Premium, Business. Excel & PDF: Business.
Privacy and accounts
🔒 PIN lock & on-device encryption
Your records are encrypted on the device and locked behind a PIN, so someone picking up your unlocked phone still cannot read your finances.
Available in: Premium, Business
🏦 Multiple accounts
Track cash, bank and card balances separately instead of as one pooled number, and see the balance of each at a glance.
Available in: Premium, Business
Access and storage
🔐 Local data storage
On the free Basic plan, your records are written to your own device and stay there. No account required, no upload, no bank credentials, and no SMS permission — we do not request access to your messages, which is how apps that auto-detect transactions read your bank alerts and, incidentally, your OTPs.
The trade-off is real and worth stating plainly: local-only means that if you lose the device without exporting a backup, the records are gone. More on how this works and who it suits.
Available in: Basic (free)
☁️ Encrypted cloud backup & restore
Back your records up and restore them on another device. The backup is encrypted, you trigger it yourself, and it uses a free cloud storage account you set up — so the file stays somewhere you control. It is a backup of records you entered yourself; it is not a connection to your bank, and it never becomes one.
Worth being clear about what this is not: it is manual backup and restore, not continuous background sync. You press a button to back up, and press another to restore.
Available in: Business
📱 Using it on more than one device
Install the app on as many of your own devices as you like — it is free to install and there is no device limit. Records are stored separately on each device; Business’s backup and restore is how you move them across.
Install: all plans. Moving data across devices: Business.
What it deliberately doesn't do
Worth being explicit, because these are the questions people ask before downloading:
- No automatic bank import. There is no field for bank credentials because there is nothing to connect to.
- No SMS reading. We do not request the permission, so we cannot parse your bank alerts — or anything else in your inbox.
- No investment advice. This is a record-keeping and budgeting tool. It will not tell you what to buy.
- No ads, no data selling. Revenue comes from the paid plans. That's the whole model.
Smart Budget Tracker is a budgeting and record-keeping tool. It does not provide investment, tax or financial advice and is not a substitute for a qualified financial planner or a SEBI-registered investment adviser.