Track Income. SMS Automations.
Split Bills. Grow Rupee Wealth.
The smart Indian personal finance app. Hands-free bank SMS automation, log cash in 3 seconds, split bills with roommates, and hit your savings goals with on-device privacy.
₹1,84,320+14.2% this mo
Bank SMS Detected
Swiggy • HDFC **1234
Goa Dinner Split
Priya settled up
SMS Auto-Recorded
0 Taps Required
Goal: Emergency Fund
Split Bills: Roommates
All Debts Settled ✓
100% Offline SQLite
Biometric Protected
Designed for Every Indian Daily Spend
See the actual FlowRupee Android experience that thousands of users rely on every day.
3-Sec Quick Log Track Income, Control Expenses
Log cash, bank, or UPI spends in 3 seconds with visual monthly breakdown categories.
SMS Automation Hands-Free SMS Automations
Automatically parses bank debit SMS alerts (HDFC, SBI, ICICI, etc.) with smart duplicate merging.
Friend Expense Split Split Bills, Stay Friends
Group expense sharing for roommates, dinners, and road trips. Debt simplification with zero drama.
Consolidated Balances All Accounts in One Place
Unify your Cash wallet, Savings accounts, and Credit Cards in a single consolidated balance hub.
Milestone Tracking Goal Planner & Dream Tracker
Set savings targets for gadgets, emergencies, or vacations and visualize your compound progress.
Track Income, Control Expenses in Seconds
Manual expense trackers with 10 required fields cause user burnout. FlowRupee is optimized for rapid 3-second recording with instant category tagging (Food, Rent, Fuel, Shopping, Health).
- ✓ Visual Spending Analytics: Clear monthly pie charts and bar charts to spot spending leaks immediately.
- ✓ Custom Categories: Create personalized tags for family, office, travel, or vehicle maintenance.
- ✓ Total Balance Clarity: Live updates of your total net worth and remaining monthly budget.
Tap a Bank to Simulate Instant SMS Extraction:
"INR 450.00 debited from HDFC Bank A/C **1234 on 14-Nov-26 by UPI to Swiggy. Avl Bal: INR 32,450.00"
Swiggy
Dining & Food • Auto-Tagged
-₹450.00
HDFC Bank **1234
Hands-Free SMS Automations
Stop worrying about forgetting to log payments. FlowRupee automatically reads your incoming bank transaction alerts and queues them with zero manual typing.
- ✓ Instant Bank Alert Extraction: Automatically extracts merchant names, amounts, and dates from SBI, HDFC, ICICI, Axis, Kotak, and 20+ Indian banks.
- ✓ Smart Duplicate & Merge Engine: Prevents double-counting if an SMS alert and a UPI notification fire at the same time.
- ✓ 100% On-Device & Private: Parsing is executed entirely offline on your phone. Personal texts, OTPs, and passwords are never read or stored.
- ✓ Pending Review Deck: Quickly approve or re-categorize incoming transactions with a single swipe.
Split Bills, Stay Friends
Group dining, shared flat electricity, WiFi bills, and weekend Goa road trips become chaotic when tracking on WhatsApp chats. FlowRupee makes bill splitting fair, transparent, and instant.
- ✓ Flexible Split Methods: Split bills equally, by exact amount (₹), or by percentage (%) based on consumption.
- ✓ Paid for Friends (100%) Option: Request 100% of the bill when paying on behalf of friends, or include your own share.
- ✓ Requests Hub: Track all Sent and Received bill split requests with live status updates (Pending, Declined, Settled).
FlowRupee Goal Planner & Dream Tracker
Saving money without a clear vision feels like a chore. The FlowRupee Goal Planner connects your daily expense discipline to your real-life dreams.
- ✓ Milestone Targets: Set concrete targets for an Emergency Fund, New Smartphone, Bike, or International Trip.
- ✓ Progress Visualizer: Track your completion percentage as you allocate monthly savings into your goal buckets.
- ✓ Target Date Forecasts: Shows how small cuts in discretionary spending can pull your dream completion date forward by months.
Simulate Your Automated Rupee Flow
Enter your monthly in-hand salary to calculate your optimal 50/30/20 allocation and 10-year compounding trajectory.
₹50,000
Rent, EMIs, utilities, groceries & health premiums.
₹30,000
Dining, shopping, travel & discretionary UPI spends.
₹20,000
Auto-routed into Emergency & Equity Index SIPs.
₹46.4 Lakhs
Assumes systematic 20% monthly SIP compounded at a conservative 12% CAGR.
Your Money. Your Device. Your Privacy.
Unlike other finance apps that harvest your SMS data to spam you with pre-approved personal loans and credit cards, FlowRupee is 100% ad-free, runs on a local SQLite database, and supports Biometric Fingerprint lock.
Frequently Asked Questions about FlowRupee App
Direct, transparent answers optimized for quick understanding.
What is FlowRupee on the Google Play Store?
FlowRupee (package: online.jiapp.flowrupee) is an Android personal finance app built for Indian users. It combines lightning-fast expense and income tracking, hands-free bank SMS automation, group bill-splitting with friends, multi-account balance management, and a savings goal planner—all wrapped in an offline-first, privacy-focused experience with biometric app lock.
How does the SMS Automation feature work?
FlowRupee includes an intelligent on-device SMS parser. When your bank sends a debit or credit SMS alert (e.g. from HDFC, SBI, ICICI, Axis, Kotak, or UPI apps), FlowRupee reads the transaction locally, extracts the merchant, category, and amount, and queues it in your review deck. It also uses a smart duplicate engine to ensure transactions are never counted twice.
Is SMS Automation safe? Does FlowRupee read my personal messages or OTPs?
It is 100% safe and private. All SMS parsing happens exclusively on your device using local offline rule sets. FlowRupee strictly ignores personal text messages and never stores, reads, or transmits OTPs or passwords. No transaction data ever leaves your phone.
How do I split bills with friends using FlowRupee?
With the "Split Bills, Stay Friends" feature, you can create groups for roommates, dinner outings, or vacation trips. Add members from your contacts, enter shared expenses, and FlowRupee automatically calculates the simplified debt matrix showing who owes whom.
Does FlowRupee work offline without internet?
Yes! FlowRupee uses a local SQLite database architecture. You can log expenses, check account balances, and manage your goal planner completely offline without any internet connection or cloud delay.
Are there any ads in FlowRupee?
Zero ads. FlowRupee has no third-party banner ads, no telemarketing spam, and never sells your transaction history. You can secure the app with your device fingerprint or Face Unlock.
Take Control of Every Rupee Today
Download FlowRupee from the Google Play Store and start automating expenses, splitting bills, and achieving savings goals in seconds.