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AlloCat
Budget every rupee, automatically. Free forever.
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.
Hey Product Hunt,
I'm Ashwin, an engineer at Octane Innovations in Kerala, India. AlloCat started as my own itch: I'd begin every budgeting app with good intentions and quit by week two, not because budgeting is hard, but because logging is. Every expense is a small tax on your attention, and eventually you stop paying it.
Here, almost every UPI payment and card swipe already sends you a bank SMS. That's the ledger. It's just sitting on your phone doing nothing. So AlloCat reads it, on-device, plain regex, no LLM, nothing uploaded, RECEIVE_SMS only so it never touches your inbox history, and turns it into a categorised transaction. You budget once a month; the tracking happens on its own.
The rest is what I wanted for myself: net worth, savings goals, debts and money lent out, full offline support, and an AI chat that actually knows your numbers instead of giving generic advice.
It's free. Not freemium, free. No plans, no trial, no locked features, no ads, no data selling. There's a Ko-fi if you want to support it, and it gets you a crown badge that does nothing.
The SMS tracking is Android-only for now; the web app works anywhere.
One thing I'd really like to hear: what broke your budgeting habit? The logging, the guilt, or the app just being boring? I'd rather build the roadmap against real reasons than our own guesses.
About AlloCat on Product Hunt
“Budget every rupee, automatically. Free forever.”
AlloCat was submitted on Product Hunt and earned 2 upvotes and 4 comments, placing #99 on the daily leaderboard. 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.
On the analytics side, AlloCat competes within Android, Fintech and Personal Finance — topics that collectively have 108k followers on Product Hunt. The dashboard above tracks how AlloCat performed against the three products that launched closest to it on the same day.
Who hunted AlloCat?
AlloCat was hunted by Octane Innovations. A “hunter” on Product Hunt is the community member who submits a product to the platform — uploading the images, the link, and tagging the makers behind it. Hunters typically write the first comment explaining why a product is worth attention, and their followers are notified the moment they post. Around 79% of featured launches on Product Hunt are self-hunted by their makers, but a well-known hunter still acts as a signal of quality to the rest of the community. See the full all-time top hunters leaderboard to discover who is shaping the Product Hunt ecosystem.
For a complete overview of AlloCat including community comment highlights and product details, visit the product overview.
Octane Innovations