oh moy · Japanese for a thought
Your expenses track themselves.
Omoi reads your bank's transaction SMS right on your phone and turns every UPI payment into a clean, categorized expense. You never type a transaction again.
- Never reads personal messages. Only bank sender IDs.
- Never touches your OTPs. Ignored, never stored.
- Never uploads your SMS. Parsing happens on your device.
- Never sells you a loan. Not a lender. Never will be.
Free to start · Automatic SMS capture on Android · The parser is open source
The Omoi app's Expenses screen. A bank SMS arrives saying 480 rupees were paid by UPI to Blue Tokai Coffee. Omoi reads it on the phone, and a new expense appears in the feed, categorized as Dining and marked auto captured, not counted until you confirm. One tap confirms it and the month's total updates from 18,240 rupees to 18,720 rupees.
Understands transaction SMS from India's major banks
HDFC Bank, State Bank of India, ICICI, Axis, Kotak Mahindra, Punjab National Bank, Bank of Baroda, Yes Bank, IDFC First, IndusInd, Canara, Union Bank, Federal Bank, and more.
Your bank already does the typing.
Every UPI payment, card swipe and bank debit already sends you an SMS. Omoi simply reads what is already there.
Your bank texts you
You pay for coffee. Within seconds your bank sends the SMS it always sends. You do nothing.
Omoi reads it on your phone
The parser runs on your device, keeps the amount, merchant, date and bank, and discards the message. The SMS itself never leaves your phone.
A clean expense appears
AI names it and files it under the right category. Nothing counts against your budget until you confirm it with one tap.
Categorized as Dining. That is your fourth coffee this week.
An app that reads SMS has to earn it.
Loan apps spent years abusing this permission, and the fear they created is rational. So these are not reassurances. They are engineering commitments, made publicly, that you can verify in code.
Parsing happens on your device
Your SMS text is never uploaded. Only the extracted fields leave your phone: amount, merchant, date, category, bank. The message itself is read, parsed and discarded right where it arrived.
Bank messages only
Omoi matches only registered bank sender IDs, the official codes banks must send from. Messages from people are never read. Promotions are never read. Your conversations stay yours.
OTPs are explicitly ignored
One time passwords are never read, never stored, never transmitted. The parser recognizes them and skips them entirely. This is the fear nobody says out loud, so we are saying it in writing.
Omoi is not a lending app
No loans, no credit scoring, no selling your data, no ad networks. Ever. The trackers that came before Omoi went bad the day they became lenders. That is the money we will never take.
Don't take our word for it. Read every line.
The code that reads your SMS is open source. You can read exactly what it matches, what it extracts, and what it throws away. If your bank is missing, anyone can add it.
github.com/abhirajsinha/omoi-sms-parserThe full picture, including encryption and hosting, lives on the security page. Our privacy policy says all of this in plain English first, legalese second.
What each phone can actually do.
On Android
- Fully automatic capture from bank transaction SMS
- AI categorization, budgets and monthly totals
- Optional and opt in. Skip it and add expenses by hand.
SMS capture is off until you turn it on, and the app is fully useful without it.
On iPhone
- Fast manual capture, built to take seconds
- Receipt scanning with AI categorization
- Automatic capture from bank email is on the way
Apple does not allow any app to read SMS, so no iPhone app can offer SMS capture. We would rather tell you that than pretend.
Come for the expenses. Stay for a second brain.
Omoi also holds your notes, tasks, calendar and journal, with an AI memory that can recall anything you have ever captured.
Today
Your day as one timeline: events, tasks and habits, with a live now line.
AI Memory
Ask questions of everything you have ever captured. Answers cite their sources.
Capture
Text, voice, photo, link or file in one tap. AI titles it, tags it and files it.
Search
Hybrid AI search across your whole life. Finds meaning, not just keywords.
Split
Split bills with anyone. Balances, settling up, and budgets that count only your share.
Habits & Goals
Streaks, heat maps and milestones, checked in from Today.
Journal
A calm daily page with mood tracking and gentle AI prompts.
Weekly Review
A four step Sunday ritual: what happened, what won, what is next.
Ask your life a question. Get a cited answer.
Every note, expense, event and journal entry becomes searchable memory. Ask in plain language and Omoi answers from your own captures, showing exactly which ones it drew from.
- Answers grounded only in your data, never invented.
- Tap any citation to jump straight to the source.
- It knows your spending too. Ask what the Goa trip cost.
Tracking your money is free. Forever.
Free
Everything you need to run your life, plus a monthly AI allowance.
- Automatic SMS expense capture on Android
- Budgets, monthly totals and Split
- Capture by text, voice, photo, link or file
- Today, tasks, calendar, notes and search
- Habits, goals, journal and weekly review
- AI titles, tags and summaries for 100 notes a month
Omoi Pro
The full AI brain.
$4.99 a month or $34.99 a year outside India. Prices include applicable taxes and are billed through the App Store or Google Play.
Free for the first week- AI Memory: ask anything, get cited answers
- Semantic search that finds meaning
- Receipt scanning
- AI categorization for every expense
- AI weekly review suggestions
- Unlimited AI note processing
Renews automatically until cancelled. Cancel anytime in your App Store or Google Play settings. See the Terms and the Refund policy.
Questions, answered.
How does automatic expense tracking work?
Your bank sends an SMS for every transaction. On Android, Omoi reads only those messages, on your phone, extracts the amount, merchant, date and bank, and discards the message. AI files the expense under the right category, and nothing counts against your budget until you confirm it. The feature is opt in and the app works fully without it.
Will you sell my data, or sell me a loan?
No, and no. Omoi is not a lender, does not do credit scoring, does not sell data and does not run ad networks. The trackers before us went bad the day they became lenders. If that ever changes here, you should leave, and we have put it in writing in the privacy policy.
Can I check what the SMS parser actually does?
Yes. The parser is open source at github.com/abhirajsinha/omoi-sms-parser. You can read exactly which sender IDs it matches, how it skips OTPs and personal messages, and what fields it extracts. If your bank is missing, anyone can contribute it.
Does this work on iPhone?
Omoi runs on both, and everything syncs between them. Automatic SMS capture is Android only, because Apple does not allow any app to read SMS. On iPhone you capture expenses manually or by scanning receipts today, and automatic capture from bank email is coming.
What about my OTPs?
Never read, never stored, never transmitted. The parser recognizes one time passwords and skips them entirely, and you can verify that in the open source code. Messages from people are never read either. Only registered bank sender IDs are matched.
Is my data private from the AI too?
Your data is yours and is never sold. To organize notes and answer questions, Omoi sends the content you capture to Anthropic and OpenAI under agreements that prohibit training on it. Bank SMS text is different: it never leaves your phone at all. Full details are in the privacy policy.
Can I delete everything?
Yes. Delete your account and all data from Settings in the app, or from the account deletion page. Deletion is permanent and completes within 30 days.
Why is it called Omoi?
Omoi, said oh moy, is Japanese for a thought. The app began as a place to put every passing thought before it slipped away. It turned out the most valuable thoughts to catch automatically were the ones your bank was already sending you.