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Skimp features · Offline expense tracker for Android: We're going to brag a little. We brought receipts.

Skimp is a free, offline expense tracker for Android. It works in English and 14 Indian languages, learns how you categorise spending, finds your subscriptions, and exports CSV and PDF reports.

Last verified 6 October 2026

languages15
English and 14 Indian languages, picked inside the app
picks2
to teach it where a merchant goes
answers3
to settle a kind of bank message for good
bytes0
of your ledger sent anywhere to learn any of it

What Skimp does, in six sentences

The short version. Each line links to how it works.

English and 14 Indian languages
The whole app, alerts included, works in English and 14 Indian languages, from Hindi to Tamil to Urdu. You pick the language inside it.In the app: Menu › Language
Automatic categorisation
File a merchant the same way twice and Skimp categorises it for you from then on.In the app: Menu › Learned categories
A review queue that learns
Answer three times about one kind of bank message and Skimp stops asking about it.In the app: Home › Review
Subscription radar
Skimp finds charges that repeat every month, totals what they cost, and dates each one.In the app: Insights › Subscription radar
CSV and PDF reports
Export any of six date ranges as a CSV spreadsheet or a PDF with category totals.In the app: Home › Report
Explorer and saved views
Filter transactions by date, type, category, merchant and tag, then save the view.In the app: Menu › Explorer

All of it runs on the phone: no internet permission, no account, free. See the supported banks and how Skimp compares.

Expense tracker in 14 Indian languages: We speak Hindi, Bengali, Marathi, Telugu, Tamil, Gujarati, Urdu, Kannada, Odia, Malayalam, Punjabi, Assamese, Santali and Meitei
too.

Skimp works in English and 14 Indian languages, each in its own script. Pick one inside the app and everything follows: screens, alerts, dates.

  • Fourteen besides English: Hindi, Bengali, Marathi, Telugu, Tamil, Gujarati, Urdu, Kannada, Odia, Malayalam, Punjabi, Assamese, Santali and Meitei.
  • You pick it, not your phone. System default, or any of the 15.
  • Fully translated. Every screen, not just the menus.
  • Alerts too. Budget and import notifications arrive in your language.
  • Still English: starter category names and exported reports.

In the appMenuLanguage

Languageभाषाভাষাभाषाభాషமொழிભાષાزبانಭಾಷೆଭାଷାഭാഷਭਾਸ਼ਾভাষাᱯᱟᱹᱨᱥᱤꯂꯣꯟ

Show the app in

Total spendingकुल खर्चমোট খরচएकूण खर्चమొత్తం ఖర్చుமொத்தச் செலவுકુલ ખર્ચکُل خرچಒಟ್ಟು ಖರ್ಚುମୋଟ ଖର୍ଚ୍ଚആകെ ചെലവ്ਕੁੱਲ ਖਰਚਾমুঠ খৰচᱜᱩᱴ ᱠᱷᱚᱨᱚᱪꯑꯄꯨꯟꯕ ꯆꯥꯗꯤꯡ · This monthइस महीनेএই মাসहा महिनाఈ నెలஇந்த மாதம்આ મહિનેاس مہینےಈ ತಿಂಗಳುଏହି ମାସഈ മാസംਇਸ ਮਹੀਨੇএই মাহᱱᱚᱶᱟ ᱪᱟᱸᱫᱚꯊꯥ ꯑꯁꯤ

₹42,380

  • Reviewसमीक्षाরিভিউतपासणीరివ్యూசரிபார்ப்புરિવ્યૂجائزہಪರಿಶೀಲನೆସମୀକ୍ଷାപരിശോധനਸਮੀਖਿਆৰিভিউᱵᱤᱰᱟᱹᱣꯔꯤꯚꯤꯎ
  • Syncसिंकসিঙ্কसिंकసింక్ஒத்திசைસિંકسِنکಸಿಂಕ್ସିଙ୍କ୍സിങ്ക്ਸਿੰਕছিংকᱥᱤᱝᱠꯁꯤꯡꯛ
  • Reportरिपोर्टরিপোর্টरिपोर्टరిపోర్ట్அறிக்கைરિપોર્ટرپورٹವರದಿରିପୋର୍ଟറിപ്പോർട്ട്ਰਿਪੋਰਟৰিপ'ৰ্টᱨᱤᱯᱚᱨᱴꯔꯤꯄꯣꯔꯠ

Monthly budget at 80%मासिक बजट 80% परমাসিক বাজেটের 80% খরচ হয়েছেमासिक बजेट 80% वरనెలవారీ బడ్జెట్ 80%కి చేరిందిமாத பட்ஜெட்டில் 80% செலவானதுમાસિક બજેટ 80% પરماہانہ بجٹ 80% پرತಿಂಗಳ ಬಜೆಟ್ 80% ತಲುಪಿದೆମାସିକ ବଜେଟ୍ 80%ରେപ്രതിമാസ ബജറ്റ് 80% ആയിਮਹੀਨਾਵਾਰ ਬਜਟ 80% 'ਤੇমাহেকীয়া বাজেট 80%তᱪᱟᱸᱫᱚ ᱨᱮᱭᱟᱜ ᱵᱟᱡᱮᱴ 80% ᱨᱮꯊꯥꯒꯤ ꯕꯖꯦꯠ 80% ꯌꯧꯔꯦ₹24,000 of ₹30,000 spent. Ease up?₹30,000 में से ₹24,000 खर्च हो चुके हैं। थोड़ा संभलकर?₹30,000-এর মধ্যে ₹24,000 খরচ হয়েছে। একটু রাশ টানবেন?₹30,000 पैकी ₹24,000 खर्च झाले. जरा जपून?₹30,000లో ₹24,000 ఖర్చయింది. కాస్త తగ్గిద్దామా?₹30,000 வரம்பில் ₹24,000 செலவாகிவிட்டது. கொஞ்சம் குறைத்துக்கொள்ளலாமா?₹30,000માંથી ₹24,000 ખર્ચાઈ ગયા. થોડું સંભાળીને?₹30,000 میں سے ₹24,000 خرچ ہو چکے ہیں۔ ذرا سنبھل کر؟₹30,000 ರಲ್ಲಿ ₹24,000 ಖರ್ಚಾಗಿದೆ. ಸ್ವಲ್ಪ ನಿಧಾನಿಸೋಣವೇ?₹30,000 ମଧ୍ୟରୁ ₹24,000 ଖର୍ଚ୍ଚ ହୋଇସାରିଛି। ଟିକେ ସମ୍ଭାଳି ଚାଲିବେ?₹30,000-ൽ ₹24,000 ചെലവായി. ഒന്ന് കുറച്ചാലോ?₹30,000 ਵਿੱਚੋਂ ₹24,000 ਖਰਚ ਹੋ ਚੁੱਕੇ ਹਨ। ਥੋੜ੍ਹਾ ਸੰਭਲ ਕੇ?₹30,000ৰ ভিতৰত ₹24,000 খৰচ হ'ল। অলপ সাৱধান হ'বনে?₹30,000 ᱠᱷᱚᱱ ₹24,000 ᱠᱷᱚᱨᱚᱪ ᱮᱱᱟ᱾ ᱱᱤᱛ ᱫᱚ ᱠᱚᱢ ᱠᱷᱚᱨᱚᱪᱟᱢ?₹30,000ꯒꯤ ꯃꯅꯨꯡꯗ ₹24,000 ꯆꯥꯗꯤꯡ ꯇꯧꯈ꯭ꯔꯦ꯫ ꯈꯔ ꯍꯟꯊꯍꯟꯒꯗ꯭ꯔꯥ?

Pick one. This is the wording you get in the app.

Automatic categorisation: Teach it twice. It files the third.

Skimp categorises expenses automatically by learning where you put them. From your own choices, on your phone.

  • Once is a suggestion. The category you picked is pre-selected next time.
  • Twice is a habit. The next payment is filed for you, and marked as such.
  • It generalises. Put two cafes under your own Coffee category and a new cafe goes there too.
  • You can undo it. See everything it learned. Forget one merchant, or all of them.

In the appMenuLearned categories

Swiggy, three timestaught 0× of 2

  • Swiggy4 Oct · ₹349

  • Swiggy11 Oct · ₹512

  • Swiggy19 Oct · ₹286

    Would ask you

Go on, file the first two.

Tap the two chips and watch the third one file itself.

A review queue that learns: Answer three times. It stops asking.

Bank messages Skimp is unsure about wait in Review for a yes or a no. It learns from every answer.

  • It learns the pattern. Next month's alert has a different amount and date, and still matches.
  • Three yeses: that kind of message posts itself, even from a bank that is not on the supported list.
  • Three noes: it stops showing up.
  • Swipe mode. Left to dismiss, right to file.
  • Reversible. A list shows what it learned, with a button that forgets it.

In the appHomeReview

VM-HDFCBK72% sure

Rs.349.00 debited from a/c XX4321 on 04-10-26 to SWIGGY. UPI Ref 627712345678.

What Skimp remembers

hdfcbk|rs # debited from a c xx# on # to

What capture has learned

  • hdfcbk|rs # debited from a c xx# on # toPosted automatically · kept 3, dismissed 0

  • hdfcbk|get rs # cashback on your hdfc bank credit cardIgnored · kept 0, dismissed 3

  • sbiupi|rs # credited to a c xx# on # byStill learning · kept 1, dismissed 0

The highlighted parts change every time, so Skimp ignores them and matches the rest.

Subscription radar: It finds the subscription you forgot about

Skimp's subscription radar is a subscription tracker that works from your bank SMS. It spots charges that repeat every month and totals what they cost you.

  • What counts. The same merchant charging a similar amount about once a month, two months running.
  • One total. What your subscriptions cost per month, biggest first.
  • Every charge, dated. One that is off its usual amount is flagged, so a price rise shows.
  • In Recurring too. Active ones are tagged Auto-detected and count toward your monthly commitment.

In the appInsightsSubscription radar

Subscription radar₹1,833/mo

ACT FibernetLast charged 1 Oct₹1,061
  • Thu, 1 Oct 2026₹1,061
  • Tue, 1 Sep 2026₹1,061
  • Sat, 1 Aug 2026₹1,061
NetflixLast charged 2 Oct₹649
  • Fri, 2 Oct 2026₹649
  • Wed, 2 Sep 2026₹649
  • Sun, 2 Aug 2026₹649
SpotifyLast charged 5 Oct₹123
  • Mon, 5 Oct 2026₹139 (off its usual amount)
  • Sat, 5 Sep 2026₹119
  • Wed, 5 Aug 2026₹119
  • Sun, 5 Jul 2026₹119
  • Fri, 5 Jun 2026₹119

Monthly commitment₹19,833

₹18,000 your own rules + ₹1,833 found

SpotifyAuto-detectedmonthly · last charged 5 Oct

₹123
Three subscriptions as Insights lists them. Open one to see its charges.

CSV and PDF reports: A report you can hand to someone

Skimp exports your transactions as a CSV spreadsheet or a PDF report, free. The file is written on your phone and handed to Android's share sheet: the app has no internet permission.

  • Two formats. Spreadsheet (CSV) or Report (PDF).
  • Six ranges. This week, last week, this month, last month, last 3 months, this year.
  • The PDF: spent, received and net, a category breakdown with shares, then every transaction.
  • The CSV: one row per transaction, ready for Excel or Google Sheets.

In the appHomeReport

skimp_20261001_0930.csv

date,type,amount_inr,category,account,merchant,note,source2026-09-30,expense,349.00,Food & Dining,HDFC Bank,SWIGGY,,autoCaptured2026-09-29,expense,640.00,Shopping,HDFC Bank,"Sharma Stores, Sector 17",,reviewedCapture2026-09-28,expense,1250.00,Shopping,HDFC Bank,AMAZON,,autoCaptured2026-09-27,expense,120.00,Transport,Cash,,auto to office,manual

Skimp ReportReport (PDF)

01/09/2026 to 30/09/2026

Spent
Rs.42,380.00
Received
Rs.85,000.00
Net
Rs.42,620.00
By category
CategorySpentShare
Bills & UtilitiesRs.18,000.0042.5%
Food & DiningRs.12,714.0030.0%
TransportRs.6,357.0015.0%
ShoppingRs.5,309.0012.5%
Transactions
DateCategoryMerchantAmount
30/09/2026Food & DiningSWIGGY-Rs.349.00
29/09/2026TransportUBER-Rs.318.00
28/09/2026ShoppingAMAZON-Rs.1,250.00

and every other one in the range

For which dates

  • This week
  • Last week
  • This month
  • Last month
  • Last 3 months
  • This year
What the two files look like.

Custom reports and saved views: Ask your ledger a question. Keep the question.

Skimp's Explorer is a custom report built from filters. Stack them, read the totals, save the view.

  • Five filters. Dates, type, categories, merchant or note text, tag.
  • Live totals. Count, money out and money in for exactly what matched.
  • Saved views. Name a combination and reopen it in one tap.

In the appMenuExplorer

Explorer

  • 1 Sep 26 → 30 Sep 26
  • expense
  • 2 categories
  • Merchant
  • #office
  • Reset

5 results−₹1,726   +₹0

  • Third Wave Coffee29 Sep · Food & Dining

    ₹420

  • Uber24 Sep · Transport

    ₹318

  • Swiggy18 Sep · Food & Dining

    ₹512

  • Rapido11 Sep · Transport

    ₹96

  • Blue Tokai3 Sep · Food & Dining

    ₹380

Saved views

  • Office, to claim back
  • Swiggy, all of it
  • Goa trip
Four filters set, and the totals for what matched.

Also shipped, without a parade

Smaller, and still worth a card.

    • Week
    • Month
    • 3M
    • 6M
    • 1Y
    • 3Y

    Time at six zooms

    Insights by week, month, 3 months, 6 months, 1 year or 3 years. The dashboard adds eight ranges and custom dates.

  • Reading your bank messages

    1,240 of 3,812 messages

    An import that outlives the app

    A long first import keeps running after you close the app, shows progress in a notification, and resumes if interrupted.

    • Accounts2
    • Debit cards2
    • Credit cards1
    • Other accounts1

    Accounts, sorted into kinds

    Group the Accounts page into accounts, debit cards, credit cards and other.

    1. 01Why offline
    2. 02Data Safety answers
    3. 03Privacy policy

    Privacy first, in the literal sense

    First launch opens on why Skimp is offline and its Data Safety answers. It is the one step with no Skip.

The details nobody asked for

Small behaviours, each decided on purpose.

  1. A correction pauses, it does not flip

    Re-file something the app filed and it stops auto-filing that merchant until you confirm the new category once more.

  2. A declined offer is not repeated

    The offer to move a merchant's earlier transactions is made once.

  3. Silence counts, a little

    Leave a learned category alone for a week and Skimp takes that as a yes.

  4. An OTP is never a payment

    OTPs and autopay reminders are never recorded as spending, whatever you have taught the app.

Everything else in the app

Free, offline, and they do what their names say.

Budgets with alerts
Overall and per-category monthly budgets, with one alert at 80% and one at 100%.
Recurring expenses
Rent, SIPs, EMIs and subscriptions, daily to yearly, posted automatically or on confirmation.
Udhaar: money lent and borrowed
What you lent and borrowed, per person, netted to one number.
Savings goals
Targets you pay into and draw from.
Credit and debit cards
Card spends from bank SMS. A credit card bill payment is a transfer, not spending.
Splits, transfers and tags
Split a payment across categories, move money between your accounts, tag anything.
A spending calendar
Each day shaded red to green by its net.
Encrypted backup
AES-256-GCM, locked with your own passphrase.
What all of it costsIs the SMS permission safe?

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Features: smart categories, subscription radar, reports · Skimp