Fundstash is a personal expense tracker that turns bank alerts, receipts and short typed or spoken entries into transactions. The site describes on-device parsing and categorization, with a local encrypted ledger instead of a Fundstash account. Android can import permitted bank SMS directly; on iPhone, a Shortcuts automation passes selected bank messages to the app because an iPhone app cannot simply read the message inbox.
Other listed features include category budgets, spending widgets, debt and EMI records, encrypted backup files and questions answered from the user's own data. Devices with supported built-in AI use that capability, while other phones can download a smaller local model, and basic tracking works without AI. Fundstash is free for personal use and is currently presented through iPhone and Android beta access. Bank-alert handling supports multiple currencies but is described as most thoroughly tuned for Indian banks. Optional exchange-rate refreshes and model downloads use the network, so local financial processing should not be confused with an app that never connects at all.
