Got a call from bankbazaar AI voice agent and we used Chat Gpt voice against it. This is a snippet from the call.

I am developing an SMS/MMS application designed to automatically categorize messages or allow users to do so manually.

This application will offer context-sensitive actions based on SMS content, such as one-click blocking, direct calling, map integration, reminder creation, and the ability to copy entire messages or specific parts using simple swipe gestures.

Additional features include a modern material expressive design, dynamic wallpaper theme support, spam detection, sender blocking, delayed SMS sending, and scheduled SMS functionality

.

I would appreciate your feedback on this SMS application concept. What features do you prioritize in an SMS application? I previously used Microsoft's SMS Organizer, but it no longer performs as expected.

I am developing an SMS/MMS application designed to automatically categorize messages or allow users to do so manually. This application will offer context-sensitive actions based on SMS content, such as one-click blocking, direct calling, map integration, reminder creation, and the ability to copy entire messages or specific parts using simple swipe gestures.

Additional features include a modern material expressive design, dynamic wallpaper theme support, spam detection, sender blocking, delayed SMS sending, and scheduled SMS functionality.

I would appreciate your feedback on this SMS application concept. What features do you prioritize in an SMS application?

I previously used Microsoft's SMS Organizer, but it no longer performs as expected.

Hey everyone,

If you are tired of budget apps that demand your private bank passwords, show annoying ads, or trap you in expensive subscriptions, MoneySplit was built as the clean, private alternative.

MoneySplit is a 4.9-Star rated personal finance manager designed around the core principles of Your Money or Your Life (YMOYL)—helping you evaluate your spending in terms of real life energy, conscious consumption, and true financial independence.

How MoneySplit Helps You Master Your Money:

• Your Money or Your Life (YMOYL) Alignment: Track your real hourly wage and evaluate every expense against the actual life energy spent earning it, helping you break the cycle of impulsive buying.

• 100% Private & Password-Free: No bank logins required. Your financial data stays 100% securely on your phone. Zero cloud tracking or data sales.

• Automatic Bank SMS Tracker: Parses bank and card text alerts into organized monthly budgets automatically—no manual typing needed.

• 1-Tap Bank Statement Import: Drag and drop CSV or PDF bank statements from any bank for instant category breakdown.

• Stop Subscription Traps: Spot forgotten recurring charges and auto-renewals before your credit card gets billed.

• Debt Payoff & Net Worth: Built-in loan calculators and net worth tracking to accelerate your path to financial freedom.

How to get your free Pro Plan Code:

1. Upvote this post.
2. Comment below telling me why you need MoneySplit (for example: privacy, auto-SMS tracking, YMOYL budgeting, or cutting subscriptions).

I will DM a 1-Tap MoneySplit Pro Plan Redeem Link to everyone who comments!

Check it out on Google Play and align your spending with your life values.

Google Play Store Link: MoneySplit

Hey guys,

I wanted to share an Android app I’ve been working on for the past few months called MoneySplit.

I originally built this for myself because I was getting tired of how expense tracking apps work nowadays. Every app I tried either wanted me to pay a monthly subscription just to log my expenses, or forced me to link my actual bank account through some third-party login service that I didn't fully trust.

I wanted something simple, private, and offline that just parses my bank SMS and PDF statements automatically without sending my data anywhere.

Here is what I built into it:

- Auto SMS & PDF Parsing: Parses bank SMS (HDFC, SBI, Axis, ICICI, CRED, UPI) and bank PDF statements directly on your phone.

- 100% On-Device & Offline: No cloud servers, no bank logins, no data leaving your phone.

- Budgeting & Sankey Charts: Visual money flow charts showing where your paycheck goes each month so you can set category spend limits.

- No Monthly Subscriptions: It's a one-time lifetime license.

- Subscription Tracking: Auto-detects recurring monthly charges (like Netflix, Spotify, YouTube Premium, or iCloud) so you don't get surprised by hidden renewals.

- Bill Reminders: Keeps track of upcoming utility bills and credit card payment due dates so you never pay late fees**.**

- Savings Goals: Lets you set targets (for an emergency fund, vacation, or new tech) and tracks your progress as you save.

- CSV Import & Export: Easily import your past expenses from CSV files or export all your data anytime to Excel / Google Sheets.

- Loans & Debt Tracker: Tracks money you’ve lent to friends or borrowed from family so you always know who owes what.

Since I hate monthly subscriptions, I priced the lifetime license at ₹299 in India (and $24.99 globally). There’s also a 14-day free trial so you can test out all the features first without paying anything.

Here's the Play Store link if you want to check it out:

MoneySplit

https://play.google.com/store/apps/details?id=com.thegreatdanton.moneysplit.money_split

I'd really appreciate any feedback or suggestions. just let me know in the comments and I'll push an update for it!

For Promo codes , please upvote the post and tell me how can MoneySplit help you.

MoneySplit is a private, offline expense tracker built for real daily life with support for almost all currencies in the world.

**Why MoneySplit stands out**

Privacy-first by default: your financial records stay on your device unless you choose backup options.

Offline-first design: core tracking, review, and planning features work even without internet.

No forced sign-up wall for basic use.

**Key Features:**

* **Privacy by Default:** No forced sign-ups. Your data stays on your phone.

* **Smart Import:** Reads bank SMS alerts (verified for all Indian Banks) and PDF statements (with password support) (coming soon) to automate expense logging.

* **Bill & Subscriptions:** Tracks your EMIs and recurring payments so you don't miss due dates.

* **Clean UI:** Built with Material 3 principles for a fluid, clutter-free experience.

*Loans:** Tracks your Loans, see amortization schedule, simulate pre payments and interest rate and see how it affects loan EMI.

* **Customised Insights:** Get spending insights, recurring payment alerts

* **UI Customisation:** supports controls as per user preferred hand (left/right), accessibility controls, Android 12 Dynamic theme support

**The Promo:** I despise the "renting software" trend, so the app has a strict one-time purchase model. Right now, I'm running upto 50\*\*% OFF (varies by country as taxes are different in different countries) sale on both the Pro and Pro Plus lifetime plans\*\*. To avail discount, check the upgrade page.

**Play Store Link:** [MoneySplit on Google Play](https://play.google.com/store/apps/details?id=com.thegreatdanton.moneysplit.money\_split)

**Website**: [MoneySplit](https://moneysplit.chetanpiduru.dev/)

**Product Hunt:** [MoneySplit on ProductHunt](https://www.producthunt.com/products/moneysplit)

Download Here on Google Playstore

Hey, I built an all in one expense tracker that can track expense, subscriptions, bills and much more including ability to track EMIs, credit instruments like Credit Cards.

MONEYSPLIT provides insights, reminds you of upcoming payments and much more.

Supports filipino language and data never leaves your device.

You can checkout here MoneySplit

We are getting 2*2 ft tiles on the top floor that is open to the sun. The person we asked to do the work on contract did 5 inch of sand and cement mix before laying tiles on top. Next is applying epoxy grout after drying.

​I would like to know how long we need to let it dry before applying Epoxy grout.

​I am from India where the current temperatures are high 30s F. There are chances of rain in the next 2 days.

​Any advice on this is appreciated.

MoneySplit is a private, offline expense tracker built for real daily life with support for almost all currencies in the world.

Play Store Link: MoneySplit on Google Play

Why MoneySplit stands out

Privacy-first by default: your financial records stay on your device unless you choose backup options.

Offline-first design: core tracking, review, and planning features work even without internet.

No forced sign-up wall for basic use.

Built for practical speed, not clutter.

Key Features:

• Privacy by Default: No forced sign-ups. Your data stays on your phone.
• Smart Import: Reads bank SMS alerts (verified for all Indian Banks) and PDF statements (with password support) (coming soon) to automate expense logging.
• Bill & Subscriptions: Tracks your EMIs and recurring payments so you don't miss due dates.
• Clean UI: Built with Material 3 principles for a fluid, clutter-free experience.
• Customised Insights: Get spending insights, recurring payment alerts
• UI Customisation: supports controls as per user preferred hand (left/right), accessibility controls, Android 12 Dynamic theme support

Play Store Link: MoneySplit on Google Play

Note: iOS app is almost done and I am waiting for apple to approve my developer account

Why MoneySplit stands out

Privacy-first by default: your financial records stay on your device unless you choose backup options. Offline-first design: core tracking, review, and planning features work even without internet. No forced sign-up wall for basic use. Built for practical speed, not clutter.

Zero Ads, no subscriptions, no behaviour tracking, no data is sent to server.

Key Features:

• Privacy by Default: No forced sign-ups. Your data stays on your phone.
• Smart Import: Reads bank SMS alerts (verified for all Indian Banks) and PDF statements (with password support) (coming soon) to automate expense logging.
• Bill & Subscriptions: Tracks your EMIs and recurring payments so you don't miss due dates.
• Clean UI: Built with Material 3 principles for a fluid, clutter-free experience.
• Customised Insights: Get spending insights, recurring payment alerts
• UI Customisation: supports controls as per user preferred hand (left/right), accessibility controls, Android 12 Dynamic theme support
• Many more upcoming features like receipt scanning, CSV/statement import, voice support in the app,

Play Store Link: Google playstore link

Read more at : MoneySplit

Dev Effort

Yes this is 75% vibecoded, especially the UI part and the algorithms to derive insights out of spending.
Being a backend engineer, I wanted to save time and money and hence vibecoding. It took me 5 months for first presentable version.

Since I used AI heavily, I had to optimise my prompoting, use Gemini research mode to identify user pain points today, enfore material 3 guidelines. Now the work is more streamlined and I get results I want from the prompt.

App has gotten about 300 installs in 20 days with 160+ monthly active users. And I am getting encouraging feedback with 15 paid users already. Plans for one time payments and no subscriptions.

MoneySplit is a private, offline expense tracker built for real daily life with support for almost all currencies in the world.

Why MoneySplit stands out

Privacy-first by default: your financial records stay on your device unless you choose backup options.

Offline-first design: core tracking, review, and planning features work even without internet.

Key Features:

• Privacy by Default: No forced sign-ups. Your data stays on your phone.
• Smart Import: Reads bank SMS alerts (verified for all Indian Banks) and PDF statements (with password support) (coming soon) to automate expense logging.
• Bill & Subscriptions: Tracks your EMIs and recurring payments so you don't miss due dates.
• Clean UI: Built with Material 3 principles for a fluid, clutter-free experience.
• Customised Insights: Get spending insights, recurring payment alerts
• UI Customisation: supports controls as per user preferred hand (left/right), accessibility controls, Android 12 Dynamic theme support

To get the offer, please upvote the post and comment "MoneySplit" and optionally why you want the app. I will share "Pro mode" coupon code in the DM.

Play Store Link: MoneySplit on Google Play
Website: MoneySplit
Product Hunt: MoneySplit on ProductHunt

Edit : if app hangs in Upgrade to pro screen, please force close and start the app. I am patching this issue. Apologies

MoneySplit is a private, offline expense tracker built for real daily life with support for almost all currencies in the world.

Edit 1: 60% off in title is typo it should be upto 75% based on different currency pricing. Apologies for this oversight.

Edit 2: if app hangs in Upgrade to pro screen, please force close and start the app. I am patching this issue. Apologies

Why MoneySplit stands out

Privacy-first by default: your financial records stay on your device unless you choose backup options.

Offline-first design: core tracking, review, and planning features work even without internet.

No forced sign-up wall for basic use.

Built for practical speed, not clutter.

Key Features:

• Privacy by Default: No forced sign-ups. Your data stays on your phone.
• Smart Import: Reads bank SMS alerts (verified for all Indian Banks) and PDF statements (with password support) (coming soon) to automate expense logging.
• Bill & Subscriptions: Tracks your EMIs and recurring payments so you don't miss due dates.
• Clean UI: Built with Material 3 principles for a fluid, clutter-free experience.
• Customised Insights: Get spending insights, recurring payment alerts
• UI Customisation: supports controls as per user preferred hand (left/right), accessibility controls, Android 12 Dynamic theme support

The Promo: I despise the "renting software" trend, so the app has a strict one-time purchase model. Right now, I'm running upto 75**% OFF (varies by country as taxes are different in different countries) sale on both the Pro and Pro Plus lifetime plans**. To avail discount, check the upgrade page.

Play Store Link: MoneySplit on Google Play
Website: MoneySplit
Product Hunt: MoneySplit on ProductHunt

Hey r/GenAiApps 👋

I’m the maker of MoneySplit (only android for now)

It’s for personal money tracking:

• Auto-adds spends from bank SMS alerts
• Lets you import PDF statements (work in progress)
• Tracks bills, subscriptions, and EMIs in one place
• Shows upcoming due items so you don’t miss payments
• Simple budget view to see where money is going
• No forced signup, data stays on your phone
• Tonnes of customisation options including usage for left or right hand usability

I built this because I wanted something practical for all users without the usual clutter.

Play Store Link: Google playstore link

Read more at : MoneySplit

Product Hunt: Money Split

I’m giving away FREE Pro coupon codes for the next 7 days.

Offer window:

May 5, 2026 → May 11, 2026 (ends 11:59 PM IST)

To get a code, comment:

1. "MoneySplit - Sms Expense tracker"
2. Upvote this post
3. upvote on product hunt

I’ll reply with a Pro coupon code (first come, first served).

Hey folks, I’m built MoneySplit (name is confusing, I know 😅) but it’s not a group expense app.

It’s for personal money tracking:

• Auto-adds spends from bank SMS alerts
• Lets you import PDF statements (work in progress)
• Tracks bills, subscriptions, and EMIs in one place
• Shows upcoming due items so you don’t miss payments
• Simple budget view to see where money is going
• No forced signup, data stays on your phone
• Tonnes of customisation options including usage for left or right hand usability

I built this because I wanted something practical for all users without the usual clutter.

Play Store Link: Google playstore link

Read more at : MoneySplit

Would love honest feedback.

• What feels useful?
• What’s missing for your daily use?
• What would make you switch to this?

Yes this is 75% vibecoded, especially the UI part and the algorithms to derive insights out of spending.Being a backend engineer, I wanted to save time and money and hence vibecoding. It took me 5 months for first presentable version.

<posting keeping mod rules in mind>

Hey folks, I’m built MoneySplit (name is confusing, I know 😅) but it’s not a group expense app.

It’s for personal money tracking:

• Auto-adds spends from bank SMS alerts (Tested for Indian banks and would like to connect for other countries)
• Lets you import PDF statements (work in progress)
• Tracks bills, subscriptions, and EMIs in one place
• Shows upcoming due items so you don’t miss payments
• Simple budget view to see where money is going including options to track paycheck budgets
• No forced signup, data stays on your phone
• Tonnes of customisation options including usage for left or right hand usability.
• Google drive backup support.

I built this because I wanted something practical for all users without the usual clutter. App is free to use for now. I will add 30 day free trail and lock few feature behind a couple of one time fee payment

Play Store Link: Google playstore link

Read more at : MoneySplit

Hey folks, I’m built MoneySplit (name is confusing, I know 😅) but it’s not a group expense app.

It’s for personal money tracking:

• Auto-adds spends from bank SMS alerts
• Lets you import PDF statements (work in progress)
• Tracks bills, subscriptions, and EMIs in one place
• Shows upcoming due items so you don’t miss payments
• Simple budget view to see where money is going
• No forced signup, data stays on your phone
• Tonnes of customisation options including usage for left or right hand usability

I built this because I wanted something practical for all users without the usual clutter.

Play Store Link:Google playstore link

Read more at : MoneySplit

Would love honest feedback.

• What feels useful?
• What’s missing for your daily use?
• What would make you switch to this?

Yes this is 75% vibecoded, especially the UI part and the algorithms to derive insights out of spending.Being a backend engineer, I wanted to save time and money and hence vibecoding. It took me 5 months for first presentable version.

<posting keeping mod rules in mind>

Hey folks, I built MoneySplit (name is confusing, I know 😅) but it’s not a group expense app.

It’s for personal money tracking:

• Auto-adds spends from bank SMS alerts
• Lets you import PDF statements
• Tracks bills, subscriptions, and EMIs in one place
• Shows upcoming due items so you don’t miss payments
• Simple budget view to see where money is going
• No forced signup, data stays on your phone
• Ton of customisation options.

I built this because I wanted something practical for Indian users without the usual clutter. I have been using the app for over a month as my personal expense tracker

Would love honest feedback:

• What feels useful?
• What’s missing for your daily use?
• What would make you switch to this?

Yes this is 75% vibecoded, especially the UI part and the algorithms to derive insights out of spending.Being a backend engineer, I wanted to save time and money and hence vibecoding. It took me 5 months for first presentable version.

App tracks transactions via SMS if users opt in. Works for a lot of Indian banks. I am working on statement and receipt scan as well.

Hey folks, I’m built MoneySplit (name is confusing, I know 😅) but it’s not a group expense app.

It’s for personal money tracking:

• Auto-adds spends from bank SMS alerts
• Lets you import PDF statements
• Tracks bills, subscriptions, and EMIs in one place
• Shows upcoming due items so you don’t miss payments
• Simple budget view to see where money is going
• No forced signup, data stays on your phone
• Tonnes of customization options.

I built this because I wanted something practical for Indian users without the usual clutter.

Would love honest feedback and if you are interested, I can share the link (alternatively, please search for MoneySplit on google play store to download the app)

• What feels useful?
• What’s missing for your daily use?
• What would make you switch to this?

Yes this is 75% vibecoded, especially the UI part and the algorithms to derive insights out of spending.Being a backend engineer, I wanted to save time and money and hence vibecoding. It took me 5 months for first presentable version.

<posting keeping mod rules>