oh moy · Japanese for a thought
Omoi remembers your life.
Your expenses, notes, plans and tasks become one AI memory you can simply ask. Your expenses even track themselves from your bank SMS, right on your phone, so the remembering starts before you type a thing.
- Never reads personal messages. Only bank sender IDs.
- Never touches your OTPs. Ignored, never stored.
- Never stores your SMS. Messages are parsed on your device and discarded.
- 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.
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.
The first 100 people get Omoi Pro free on launch day.
Be first. We will email you the moment Omoi is live. No spam, no updates you did not ask for, just the launch.
Remembering starts the moment you spend.
Every UPI payment, card swipe and bank debit already sends you an SMS. Omoi reads what is already there and files it into memory, so your spending records itself before you type a thing.
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 is never stored.
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 stored. Normally only the extracted fields leave your phone: amount, merchant, date, category, bank. The message itself is read, parsed and discarded right where it arrived. On the rare message our on device parser cannot read, we send just that message text to our AI service to extract the transaction, then discard it. It is never stored.
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.
Everything you capture, remembered in one place.
Notes, tasks, calendar, journal, habits, goals and shared bills all flow into one AI memory. Expenses are simply the part that fills itself in. Here is the rest of the app, screen by screen.
One place to stand every morning.
Events from your calendar, tasks from your notes and habit check ins merge into a single timeline with a live now line. The day gets one source of truth instead of five apps.
- Overdue work surfaces at the top, impossible to lose.
- Habits check in right from the agenda.
- One quick add bar captures a task or a note without leaving.
The Today screen. A greeting, an overdue task pinned at the top, then the day as a timeline: morning gym at 8, deep work on the pitch deck at 9, a live now line at 9:41, standup at 10, followed by open tasks and a quick add bar.
Split any bill. Settle up in a tap.
Add friends to a trip or a flat and split any expense the way you actually paid it. Your budget counts only your share, never the whole table.
- Every balance in one place, per person and per group.
- Auto captured expenses can be split too, straight from the SMS.
- Friends join a group from an invite link. Paying back opens your own UPI app, which completes the payment.
The Split screen. Overall you are owed 860 rupees. Rohan owes you 1,240 rupees and you owe Mia 380. In the Goa trip group, a villa deposit of 4,200 rupees you paid is split three ways, and a 2,640 rupee dinner Rohan paid puts your share at 880. A settle up button sits at the bottom.
See how your life links together.
Every note, task, event, expense and person becomes a node in a graph, linked as you capture. Tap anything to see everything around it.
- Typed nodes: notes, tasks, events, people and expenses.
- Tap a node to refocus the graph on it.
- Opens from any note, or straight from search.
The Connections screen. A graph with the Goa trip note in the center, linked to Rohan, a packing list note, a book cab task, a flights event and the villa deposit expense. A card below reads: Goa trip, note, five connections, linked to two notes, one task, one event, one expense and Rohan.
Weekly insights that become tasks.
The coach reads your week quietly and surfaces a few cards worth your attention: an observation, a recommendation, a win. Accept one and it turns into a real task on your list.
- Grounded in your own weeks, never generic advice.
- One tap turns a recommendation into a task.
- Quiet by design. A few cards, never a chatbot.
The AI Coach screen with three insight cards. An observation: your dining spend jumps 40 percent in weeks with three or more late meetings. A recommendation: block 9 to 11 tomorrow for the board update, with a Block it button. A celebration: you closed 23 tasks this week, your best in a month, and your gym streak is at 12 days.
Capture
Text, voice, photo, link or file in one tap. AI titles it, tags it and files it.
Titled it Repaint approval, tagged #home, and created a task for Saturday.
Notes & Library
Every note arrives already titled and organized, and every module lives one tap away.
Search
Ask in plain language. Omoi searches by meaning, not just keywords.
Calendar
A week strip, a month grid and event sheets for everything you plan. Google Calendar sync is coming.
Journal
A calm daily page with mood tracking and gentle AI prompts. Private, always.
What drained you today?
Habits & Goals
Week dots and streaks for habits. Progress and milestones for goals.
Projects & Learning
Projects hold the work. Learning holds what you study. Both link back to your notes.
Weekly Review
A four step Sunday ritual: what happened, what won, what moves to next week.
Automations
When something happens, Omoi does the next step for you.
IntegrationsComing soon
Gmail, Google Calendar and Outlook are on the way. Bank emails will become expenses too.
Auto categorization
Every expense files itself under the right category, and it learns your corrections.
You moved this to Groceries once. Omoi remembers.
Split invites
Send a link, a friend joins the group, and the balances just work.
Tracking your money is free. Forever.
The whole app, including automatic expense tracking, costs nothing. Pro adds the AI brain on top: memory, coach and automations.
Free
The whole app and automatic expense tracking. Free forever, not a trial.
- Automatic expense capture from bank SMS on Android, with categories, budgets and spending analytics
- Notes, tasks, the Today agenda, calendar, journal, habits, goals, projects and learning
- Split: groups, shared expenses, balances, settle up and invites
- Capture by text, voice and photo
- AI note titles and voice transcription, 100 a month
- The Connections graph, and full text search across everything
Omoi Pro
Everything in Free, plus 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 you have ever captured, with cited sources
- AI Coach: weekly insights that turn into tasks
- Automations: when something happens, Omoi does the next step
- AI suggested links in your Connections graph
- Receipt scanning that reads the amount, merchant and items for you
- Unlimited AI note titles and voice transcription
- Auto capture from Gmail and Outlook bank emails, plus calendar sync, as they roll out
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 is parsed on your phone and never stored. On the rare message the on device parser cannot read, we send just that message text to our AI service to extract the transaction, then discard it. 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.