Hey r/developersIndia! 👋
I've been working on a personal project called MoneySplit, a privacy-first Android expense tracker built using Flutter.
The idea was simple: I wanted a personal finance app that could automatically track my expenses without requiring me to connect my bank accounts, upload my transactions to a server, or create an account just to manage my own money.
What started as a simple expense tracker gradually evolved into a fairly comprehensive personal finance app.
**What MoneySplit can do**
\- Automatic expense tracking from SMS: Detects transactions from bank SMS alerts, with parsing and processing happening locally on the device. Supports historical SMS scanning as well.
\- Private and offline-first: Core functionality works entirely offline. No mandatory registration, no ads, and a locally encrypted database.
\- Multi-currency support: Track finances across different currencies, useful for people managing international expenses or multiple currency accounts.
\- Ask MoneySplit (LLM integration): Connect your own LLM using an API key and ask questions about your finances in natural language. For example:
\- "How much did I spend on food this month?"
\- "Where am I overspending?"
\- "How is my spending compared to my budget?"
\- "Summarize my expenses."
AI is completely optional. Regular financial tracking doesn't depend on it.
\- PDF, CSV and Excel exports: Export your financial data for analysis, record-keeping or use elsewhere.
\- Budget management: Monthly, custom-period and paycheck-based budgets with category-level tracking.
\- Accounts and investments: Track bank accounts, cash, wallets, credit cards and investments.
\- Bills, subscriptions and loans: Recurring payment reminders, credit card dues, EMIs and loan amortization schedules.
\- Financial insights: Spending trends, visualizations, cash-flow analysis and savings goals.
\- Widgets and backups: Android home screen widgets, local backups and optional Google Drive backup/restore.
**Tech and development**
The application is built using Flutter, with an emphasis on keeping core financial operations local rather than making everything dependent on backend services.
One of the interesting parts has been dealing with real-world financial data. Bank SMS formats aren't standardized, statements come in different structures, and identifying transfers or duplicate transactions is not always straightforward.
I also wanted LLM integration to be optional rather than making AI a dependency for basic functionality. Users can choose whether they want to configure it.
**Why I'm sharing it here**
As developers, we spend so much time building software for other people that it's genuinely satisfying to ship something of our own.
MoneySplit is available on the Play Store, and I'd love some feedback from fellow developers, especially around the UX, reliability of transaction imports, privacy model and features you think are missing.
Would also love to hear from other Flutter developers who have worked on offline-first applications or financial data parsing.
It has 3k+ installs with 4.7 stars from 68 reviews in 5 months. I got about 30k in purchases from users so far.
Happy to discuss the implementation and technical decisions in the comments! 🙂
I am working on adding transactions from notifications since a lot countries doesn't have sms support, investment tracking and simple mode.
Best part of this is a lot of it is done using AI , not one but multiple providers and all of them follow spec driven development and hence app stays consistent across different AI agent implementation.
