AlloCat

Most budgeting apps fail because logging every expense is work. AlloCat skips that step. Budget your month once. After that AlloCat reads your bank's debit SMS on-device, pulls out the amount, date and merchant, and files it into the right category - no typing, no bank login, no account linking. Your SMS never leaves your phone. Also tracks net worth, goals, debts and money you've lent. Works offline. AI chat that knows your real numbers. Free forever. No plans, no trial, no ads.