Fundstash

Fundstash is a private expense tracker app that turns bank SMS, receipts, and voice notes into an encrypted local ledger using on-device AI.

Fundstash is a private expense tracker designed to manage personal finances locally on your mobile device. It converts bank SMS alerts, scanned receipts, and voice inputs into a clean financial ledger without uploading data to servers or requiring user accounts. On Android, it reads bank SMS messages automatically, while iPhone users rely on a Shortcuts automation. The app uses Apple Vision or Google ML Kit to extract transaction details from receipts and processes voice commands to record payees, amounts, and categories. An on-device AI model categorizes spending, answers questions about past purchases, and suggests budget limits. Security features include AES-256 database encryption protected by the phone's Keychain or Keystore, plus encrypted backups. It also supports bill splitting, debt and EMI tracking, money-health scores, and 107 currencies with offline exchange rates.

Fundstash at a glance

Best for: Finance
Runs on: iOS, Android
Pricing: Free for personal use
Released: October 2026
Category: AI productivity tool
Website: fundstash.app

Key features

Automatic bank SMS parsing for debits and credits
Receipt scanning via Google ML Kit and Apple Vision
Voice entry for quick expense logging
On-device AI categorization and spending queries
Local budget limits with alerts at 80 and 100 percent
Bill splitting via shared links
Debt, IOU, and EMI tracking with reminders
AES-256 encrypted local database and backups

Use it for

Logging daily expenses through voice commands
Tracking spending automatically from bank text alerts
Scanning paper receipts to record bills instantly
Splitting shared bills with friends via links
Monitoring budgets and getting local spending alerts

Alternatives to Fundstash

Lichy for iOS — Records natural language expenses and automates logging via Apple Pay
CostGoat — Monitor AI and cloud spending in real-time to prevent unexpected bills.
fin — Runs locally, uses Plaid for free, and integrates with AI agents and SQL.
COUNT — It automates expenses, bills, and categorization with high accuracy.
Pulse Local — Ledger and AI models stay entirely on your machine for complete privacy.
fundsvisor — Manage business finances and FBR e-invoicing without an accountant.
Equofi — Family Finance, Simplified — Split expenses and track household budgets together using Google Sheets sync.
Rivaire Finance — Track balances and transactions across multiple financial accounts in one dashboard.
AppZen — Fully auditable AI agents trained on fifty billion dollars in enterprise spend.
Folyo — It runs locally to organize expenses and export records for accountants securely.
Shortcut — It builds complex financial models like LBOs and DCFs in minutes.
TaxHacker — Extracts expense data automatically with customizable LLM prompts and categories.

All Fundstash alternatives