The Why
You open your banking app to check how much you spent this month. You cannot tell — it is a wall of raw transactions with no categories, no totals, no context. You try a budgeting app, but it wants you to log every expense manually. You do it for three days, then forget.
Koin hooks into your SMS inbox and payment app notifications to log transactions automatically the moment they happen. It categorizes them using Indian payment context — it knows that a Zomato charge is food, not other.
What it does
Koin reads your bank SMS and payment app notifications in real time, logging transactions the instant they occur — no copy-pasting required.
A 7-tier AI pipeline figures out whether that Swiggy charge is food delivery, not just shopping — and it learns your corrections over time.
Set a daily, weekly, or monthly budget. Koin shows you exactly how much you have spent and how much is left — updated with every transaction.
See 6-month spending trends, category breakdowns, and month-over-month comparisons. Koin surfaces anomalies and pattern shifts automatically.
Your financial data stays locked behind Face ID or fingerprint. The app locks automatically when you leave and unlocks with a glance.
All data lives on your device first. Firebase sync happens in the background — so the app is always fast and works without a connection.
Technology
Results