SAGIRO
Your personal finance, made clearer.
Track expenses, understand your spending, manage budgets, and keep your financial records on your device.
Your financial ledger is processed locally, with limited optional online services for features such as IFSC lookup and exchange rates.
What SAGIRO helps you do
Engineered specifically for Indian personal finance workflows with on-device intelligence and robust offline resilience.
Automatic Transaction Tracking
Detects debits, credits, UPI payments, and refunds from incoming transactional bank SMS using local pattern recognition. Promotional messages and OTPs are ignored.
100% Local ParsingSafe Today™ Guidance
Calculates daily spend pacing dynamically based on your active monthly budget and remaining days in the cycle, helping you avoid end-of-month budget shocks.
Daily Spend PacingCategory Budgets
Set realistic monthly limits across groceries, dining, utilities, fuel, and shopping. Get visual pacing indicators and alerts before categories exceed limits.
Pacing LimitsInsights & Analytics
Interactive breakdowns of spending habits, weekly spend bars, top merchant totals, and income vs expense ratios to understand exactly where money flows.
Visual TrendsFamily Workspace
Manage shared household bills, record who paid, split equally or with custom shares, calculate pairwise debts ("Who owes whom"), and record settlements.
Shared ExpensesPrivacy & Encrypted Storage
Your financial records are stored locally in an encrypted SQLCipher database (AES-256) secured with keys managed by Android Keystore.
Encrypted Local DBSafe Today™ Pacing Simulator
Test how Safe Today dynamically adapts daily spending limits based on your remaining budget.
How automatic SMS tracking works
All bank SMS processing is executed locally on your phone. Raw SMS text is never uploaded to remote servers.
Bank SMS Received
Android delivers SMS notification to the local receiver.
Local Processing
On-device regex engine analyzes patterns in under 0.05ms.
Transaction Detected
Identifies amount, merchant, type (debit/credit), and timestamp.
User Reviews
User verifies and edits categories or account tags.
Recorded in Ledger
Stored in the local encrypted SQLCipher database.
⚡ Live On-Device SMS Parser Sandbox
Select a real bank SMS template to test instant local regex tokenization and privacy filters in real time.
Only messages containing completed debit, credit, or refund actions are parsed. Personal and delivery texts are ignored.
One-time passwords, login codes, lottery scams, and loan advertisement offers are strictly filtered out.
Failed transactions, reversed charges, and merchant refunds are matched and credited back appropriately.
SMS parsing is heuristic and may contain omissions. Users can review data or use Manual Entry if SMS permission is declined.
Shared money. Clearer households.
Split household bills, keep track of who paid, see who owes whom, and settle debts without exposing personal private expenses.
*Live interactive demonstration of SAGIRO's paise-precision deterministic aggregation engine.
Payer Attribution
Record exactly who paid for an expense across family members or roommates with explicit member tagging.
Flexible Split Options
Split bills equally (50/50), by customized percentages, or assign specific custom amount shares to individual members.
Pairwise Debt & "Settle Up"
SAGIRO consolidates all shared expenses and previous settlements into a simplified "Who owes whom" ledger.
Private vs. Shared Boundaries
Only transactions you explicitly assign to the Family Workspace are shared. Personal transactions remain private.
Understand your spending.
Query your device ledger in natural language to gain clear insights into monthly categories, merchant totals, and spending patterns.
Natural language queries over your local ledger
Ask questions about your transactions, summarize monthly spend across categories, and review merchant history without sending your raw financial records to external analytics brokers.
- Category-by-category monthly summaries
- Frequent merchant and recurring bill lookups
- Cash flow & income vs. expense comparisons
• Groceries: ₹8,420 across 6 transactions
• Dining & Cafes: ₹3,150 across 4 transactions
• Combined Total: ₹11,570 (38% of your monthly budget)
Local encrypted financial storage
Your financial ledger stays under your direct control, encrypted on your Android device using industry-standard cryptography.
SQLCipher AES-256
The local SQLite database is encrypted at rest using SQLCipher AES-256-CBC, preventing unauthorized extraction from device storage.
- 256-bit key encryption
- Encrypted page blocks
Android Keystore
Database encryption keys are generated securely on device and protected inside the hardware-backed Android Keystore / OS secure enclave.
- CSPRNG key generation
- OS-level key isolation
Encrypted Backups
Export your transaction ledger into an encrypted archive secured with AES-256-GCM and 100,000 PBKDF2-HMAC-SHA256 iterations.
- User-defined password
- Zero server password storage
Optional External Services
Financial records never leave your phone. Limited network requests are used only for specific optional utility lookups:
- IFSC lookup (Razorpay API)
- Exchange rates (Frankfurter)
- Google Play In-App Billing
Explore the SAGIRO Interface
Authentic screenshots from the production SAGIRO Android application. Click any screen for full resolution preview.
01. Home Dashboard
Safe Today gauge, monthly spend progress, and recent transactions.
02. Transactions Ledger
Filter by date, category, account, or search merchants in real time.
03. Manual & Category Entry
Quickly record cash or custom expenses with category chips and tags.
04. Safe Today™ Guidance
Pacing engine showing safe daily limits and projected end-of-month balance.
05. Spending Insights
Visual category breakdowns, weekly spend trends, and merchant analysis.
06. Transaction Details
Inspect bank SMS match metadata, edit merchant, notes, and profile tags.
07. Security Vault & Backups
Encrypted export archives, database key status, and biometric lock settings.
08. Family Workspace
Shared household expenses, equal/custom splitting, and settlement balances.
Ask about SAGIRO
Instant answers retrieved directly from SAGIRO's verified product documentation, privacy policies, and security architecture.
Frequently Asked Questions
Clear, transparent answers about SAGIRO's functionality, permissions, and security model.
When you grant optional SMS permissions on Android, SAGIRO parses incoming and historical transaction SMS messages locally on your device. It detects debits, credits, and refunds using local regular expressions and keyword scoring. Personal messages and OTPs are ignored.
No. Your financial ledger, accounts, and transaction records remain stored locally on your device in an encrypted SQLCipher database. The app only accesses external network endpoints for non-financial utilities (looking up bank branch details by IFSC code via Razorpay API, fetching reference exchange rates via Frankfurter, and processing subscription purchases through Google Play Billing).
Yes. Granting SMS permission is entirely optional. If you choose not to grant SMS permissions, all budgeting, Safe Today spending guidance, insights, Family Workspace, and backup tools remain fully operational via Manual Entry and CSV Imports.
No. SAGIRO is a personal budgeting and expense tracking productivity tool. SAGIRO is not a bank, NBFC, lender, payment aggregator, or registered investment advisor. It does not provide financial, investment, tax, legal, or banking advice.
You can export an encrypted backup file (.json/.zip) protected with AES-256-GCM encryption using a password you choose. You can restore this file on any new device. Because SAGIRO does not store your backup password on remote servers, you must remember your password to decrypt the file.
Financial Disclaimer & Informational Notice
SAGIRO is a personal finance tracking and budgeting tool. SAGIRO does not provide financial, investment, tax, legal, banking, or professional advice. Transaction data may contain errors or omissions. Verify important financial information with your bank or official records. Safe Today, budgets, insights, forecasts, and other calculations are for informational and planning purposes only.
Read full disclaimer →