Bachat
Everything your money needs — none of it leaves your phone
Automatic tracking, budgets that tell you where you stand, offline family sharing and savings insights. All of it computed on your device, with no internet permission at all.
No internet. No cloud. Ever.
BachatPe requests no internet permission at all — which means there is no cloud account, no backend sync and no server upload, by construction rather than by promise.
With your permission it reads only transaction SMS already sitting on your phone: debits, credits and UPI alerts. OTPs, personal messages, promotions and failed payments are always ignored. Deny SMS access and the app still works — just add expenses manually.
- No internet permission — data cannot leave your device
- Reads only transaction SMS, never OTPs or personal messages
- Works fully without SMS permission too
- App Lock with a private 4-digit PIN, no biometrics required
- No account, no login, no data selling, no ads
Little to no typing, ever
Bank and UPI spends are sorted into categories automatically, recognised across 750+ Indian merchants spanning food, shopping, travel, fuel, investments, insurance and more.
Smart duplicate detection keeps your history clean when the same spend shows up across multiple accounts — and adding a cash or manual expense still takes seconds.
- 750+ Indian merchants recognised automatically
- Smart duplicate detection across multiple accounts
- Import your last six months of expenses in about 30 seconds
- Cash and manual entries added in a couple of taps
Always know where you stand
Set a monthly budget or per-category limits — BachatPe can suggest amounts based on how you've actually been spending — then get a clear On Track, Watch or Over status at a glance.
Safe-to-spend guidance tells you how much you can comfortably spend for the rest of the month, and gentle alerts fire before you overspend rather than after.
- On Track, Watch or Over — one clear status
- Safe-to-spend guidance for the rest of the month
- Plan for insurance, EMIs, school fees, travel and tax
- 30-, 7- and 3-day reminders before every big bill
- Copy last month's budgets in a single tap
Offline, encrypted, and truly private
Most expense apps share a household's data by routing it through a cloud server. BachatPe doesn't — sharing runs over a direct connection between nearby phones in your home.
No internet, no shared login, no cloud account. The connection is encrypted end-to-end, so no server ever sees your household's spending. A step-by-step guide gets everyone set up in minutes.
- Direct phone-to-phone connection — no internet needed
- End-to-end encrypted; no server is ever involved
- Filter by You, Family or All
- Exclude business expenses from household totals with one toggle
Turn awareness into action
BachatPe spots saving opportunities in your subscriptions, frequent merchants and habits that are quietly creeping upward — then lets you turn any insight into a savings challenge.
You also get monthly breakdowns by category, merchant and payment method, a spend-free day calendar, trend alerts, and your Bachat Score: a financial-health score for Indian households with a clear next step to improve it.
- Subscription and spending-leak detection
- Savings challenges built from your real spending
- Spend-free day calendar and trend alerts
- Bachat Score — your household's financial-health score
Keep the two sides of your money apart
If you run a shop, freelance, or simply pay for work things from a personal account, business spends can quietly distort your household picture.
Mark them once and exclude them from household totals with a single toggle — so your family budget reflects the family, and nothing else.
- Separate business spends from household totals
- One toggle to include or exclude them anywhere
- Hide self and family transfers so they don't count twice
The small things that add up
App Lock
A private 4-digit PIN protects the app — no biometrics, no extra OS permissions requested.
Spend-free days
A calendar view of the days you didn't spend anything — surprisingly motivating.
Backfill your history
Scan the last six months of transaction SMS so your very first week already has real data in it.
Transfers, handled
Money moved between your own or family accounts is recognised, so it doesn't inflate your spending.
Breakdowns that make sense
By category, by merchant, by payment method — monthly, with trend alerts when something shifts.
Built around INR & UPI
Indian bank SMS formats, Indian merchants, Indian money calendar. Not a foreign app adapted for India.
Ready to see where your money actually goes?
Install BachatPe, allow SMS if you'd like, and your dashboard fills itself in. No account to create, nothing to upload.