Roomath
Know how much you can Spend Safely.
Roomath tracks every UPI and bank payment from your SMS automatically, then tells you what's safe to spend today while you still hit your goals.
We'll do the math for you.
- 100% on-device
- Works offline
- No sign-up
- SalaryIncome+₹1,40,000
- ZomatoFood · via GPay₹412
- Cafe Coffee DayFood · via PhonePe₹132
- Mumbai MetroTravel · via Paytm₹60
- Electricity billBills · via CRED₹1,227
Most expense trackers look back. Roomath looks ahead.
Knowing you spent ₹38,000 last month doesn't help you decide about dinner tonight. Knowing what's safe to spend today does.
This month, so far. Is that good? Bad? Can you afford that weekend plan? You're left doing the maths yourself.
Safe to spend, after rent, EMIs, upcoming bills and your savings goals. Spend it guilt-free. Tomorrow's number adjusts automatically.
Set it up once. Never type an expense again.
Install and allow SMS
No account, no bank login. Roomath reads your transaction SMS right on your phone.
Add your goals
Tell Roomath your salary date, fixed bills and what you're saving for: a trip, an emergency fund, a new phone.
Check today's number
Every UPI payment is logged automatically and your safe-to-spend amount updates in real time.
Everything a budget planner should do. Nothing you have to do.
Daily safe-to-spend
One clear number every morning: what you can spend today without derailing your month or your goals.
Automatic UPI tracking
GPay, PhonePe, Paytm, CRED, cards or net banking. If your bank sends an SMS, Roomath logs it.
Goals that drive your budget
Savings goals aren't an afterthought. They're set aside first, so what you see is truly free to spend.
Bills and reminders
Upcoming EMIs, credit card dues and recharges are picked up from reminder SMS and planned for in advance.
Private by design
No servers, no cloud, no login. Your financial life stays on your phone, not in someone's database.
Insights in rupees, not jargon
See where your money goes by category and merchant, with a clean view built for Indian salaries and spending.
Every way you pay.
If a payment sends you an SMS, Roomath tracks it.
- Google Pay
- PhonePe
- Paytm
- CRED
- BHIM UPI
- Amazon Pay
- HDFC Bank
- ICICI Bank
- SBI
- Axis Bank
- Kotak
- Debit & credit cards
- + most Indian banks
All trademarks belong to their respective owners. Roomath is not affiliated with or endorsed by them.
Your SMS never leaves your phone.
A money app should know a lot about you. That's exactly why Roomath keeps all of it on your device and none of it with us.
- Processed on-deviceMessages are read and understood on your phone, never uploaded.
- Personal chats & OTPs ignoredOnly bank transactions and bill reminders are used.
- No account, no serversWe have no database of users, so there's nothing to leak or sell.
- Delete anytimeUninstall the app and every byte goes with it.
Questions, answered.
How does Roomath know how much I can spend today?
Roomath looks at your income, upcoming bills and reminders, your savings goals and what you've already spent, then spreads what's genuinely free across the days left in your cycle. The number updates automatically every time a new transaction SMS arrives.
Does Roomath upload my SMS or bank data?
No. Every message is read and processed on your phone. Roomath has no servers and no account, so your SMS and financial data never leave your device.
Which UPI apps and banks does Roomath work with?
Any payment that sends you a transaction SMS: Google Pay, PhonePe, Paytm, CRED, BHIM, Amazon Pay, debit and credit cards, and most Indian banks.
Does Roomath read my personal messages or OTPs?
Roomath filters out personal conversations and OTP messages on your device and ignores them. Only bank transaction messages and bill or payment reminders are used.
Does Roomath work offline?
Yes. Roomath works completely offline and doesn't need an internet connection to track expenses or calculate your daily spend.
Do I need to create an account?
No. There's no sign-up, login, email or phone number required. Install the app and start.
Is Roomath free?
Roomath is free to download. Some advanced features may be offered as an optional in-app purchase or subscription through Google Play.
Is Roomath available on iPhone?
Not right now. Roomath is an Android app available only on Google Play, because automatic SMS tracking is possible only on Android.
How do I delete my data?
Uninstall Roomath or clear its storage from Android Settings. Because your data only ever lived on your phone, that removes it completely.
Stop guessing. Start knowing.
Roomath is launching soon on Google Play. We'll do the math for you.