Everything Built for Your Daily Rupee Flow
FlowRupee is designed from the ground up for how Indians actually spend, split, and save money every day.
Track Income, Control Expenses
Get instant clarity on where your salary goes. Categorize spending across groceries, dining, rent, shopping, and fuel with visual charts that make financial awareness effortless.
- ✓ 3-Second Quick Logging: Clean, distraction-free keypad designed for rapid entry.
- ✓ Category Breakdown Charts: Monthly pie charts and comparisons against previous months.
- ✓ Custom Categories: Create personalized tags for family, office, travel, or vehicle maintenance.
"Dear Customer, A/C **5678 debited by Rs 1,250.00 on 14-Nov-26 for transfer to DMart via UPI. Bal: Rs 48,200.00"
DMart (Groceries)
SBI • Auto-Classified
✓ Added to November Expenses
Intelligent SMS Automations & Bank Sync
Never let a purchase slip through the cracks. FlowRupee's intelligent SMS parser reads bank and UPI debit alerts the moment they arrive, logging expenses automatically without you ever typing a number.
- ✓ Universal Bank Coverage: Built-in pattern recognition for 20+ Indian Scheduled Commercial Banks and UPI apps.
- ✓ Duplicate Detection & Merge: Matches push notifications and SMS alerts to guarantee zero duplicate records.
- ✓ Strict Offline Privacy: All SMS parsing runs on your device. OTPs, passwords, and private chats are never accessed.
- ✓ Pending Review Deck: Review newly captured transactions at your leisure with an intuitive swipe card deck.
Split Bills, Stay Friends
Say goodbye to awkward money conversations and chaotic WhatsApp group calculations. FlowRupee makes bill splitting fair, transparent, and instant.
- ✓ Flexible Split Methods: Split bills Equally (=), by Exact Amount (₹), or by Percentage (%) with customizable shares.
- ✓ Paid for Friends (100%): Easily request 100% of the bill when covering entirely for friends, or include your own share with one toggle.
- ✓ Requests Hub: Track all Sent and Received bill splits in one organized dashboard with live status updates (Pending, Declined, Settled).
FlowRupee Accounts in One Place
Managing cash alongside multiple savings accounts and credit cards is confusing. FlowRupee brings all your financial pockets under one consolidated dashboard.
- ✓ Consolidated Net Balance: Real-time sum of your cash in hand and digital bank balances.
- ✓ Inter-Account Transfers: Record ATM cash withdrawals or transfers between accounts with zero double-counting.
- ✓ Credit Card Tracking: Track credit card spends and due balances separately from liquid cash.
FlowRupee Goal Planner & Savings Milestones
Turn vague aspirations into achieved milestones. Whether building a 6-month emergency cushion or saving for a festive family trip, FlowRupee keeps your goals front and center.
- ✓ Visual Progress Rings: See your saved percentage climb with every rupee contributed.
- ✓ Target Date Forecasting: Automatically estimates target completion based on your saving velocity.
- ✓ Emergency Fund Runway: Visual indicators for essential survival months covered.
Features FAQ
Direct, transparent answers optimized for quick understanding.
How does the SMS Automation feature work in FlowRupee?
FlowRupee contains an on-device regex-based SMS parsing engine. When you receive a debit, credit, or UPI payment notification from your bank (HDFC, SBI, ICICI, Axis, Kotak, etc.), FlowRupee extracts the amount, merchant, and account details and automatically records the transaction with smart duplicate merging.
Are my private SMS messages or OTPs ever read or shared?
Never. FlowRupee processes SMS strictly locally on your Android device. It uses bank identifier filters (e.g. SBINB, HDFCBK, ICICIB) to isolate financial alerts only. Personal texts, OTPs, and verification codes are completely ignored, and no data is ever uploaded to external servers.
How fast can I manually log an expense if I pay with cash?
FlowRupee is engineered for speed: with just 3 taps (amount, category, and save), you can log any cash or digital transaction in under 3 seconds.
How does FlowRupee handle group bill splitting?
You can create groups (Roommates, Goa Trip, Office Lunch) or add individual friends. Enter any shared expense, choose how to split (equally or custom), and FlowRupee computes the optimal minimum transaction settlement matrix so everyone knows who owes whom.
Can I track cash in addition to my bank accounts?
Yes. FlowRupee includes a Multi-Account Hub where you can create and monitor multiple wallets: Physical Cash in Hand, Bank Accounts (HDFC, SBI, ICICI, etc.), and Credit Cards, giving you an accurate total net balance.
How does the Goal Planner work?
The Goal Planner allows you to set specific financial targets (e.g. ₹50,000 for an Emergency Reserve or ₹1,20,000 for a new laptop) with target completion dates. You can assign saved funds towards each goal and view a live progress bar with completion forecasts.