On-device
Nothing leaves your phone.
SMS parsing happens on-device. No bank linking, no server ever sees your messages.
Waitlist is open
Every spend.Zero typing.
Type it, say it, snap a statement, or just do nothing - Raqm logs it for you. Nothing ever leaves your phone.
Download on theApp StoreGet it onGoogle Play
Download Raqm and let it sort every rupee for you.
QR code
- 1Open your phone's camera app
- 2Point the camera at the QR code
- 3Tap the link that appears
Download Raqm and let it sort every rupee for you.
QR code
- 1Open your phone's camera app
- 2Point the camera at the QR code
- 3Tap the link that appears
120+ Indian and international banks supported
01 / 05
How it works
One SMS, quietly upgraded. Follow a single spend from notification to dashboard.
10:24
HDFC Credit Cardnow
Rs.420.00 debited from A/c XX2461 on 27-Sep-26 to VPA swiggy@ybl. Avl Bal Rs.24,560.00
Swiggy₹420
HDFC Credit Card · Food · 10:24 AM
Parsing on-device…
Notifications keep coming through as normal. Raqm just quietly upgrades them.
Transaction
Swiggy
FoodNote
Team lunch after standup
Location
Koramangala, Bengaluru
TeamLunchStandup
qwertyuiop
asdfghjkl
zxcvbnm
⇧⌫
,English (India).
September
₹42,680
spent this month
₹7,320 less than AugustRemaining
₹17,320
of ₹60,000
71%
Safe to spend today
₹1,420
Earned
₹85,000
Recent transactionsSee all ›
Swiggy
Food
Uber
Transport
Amazon
Shopping
CategoriesSee all ›
Food & Drinks
₹8,420
of ₹12,000
Shopping
₹6,840
of ₹8,000
Groceries
₹3,280
of ₹5,000
Payment happens
Raqm reads it
Upgraded, instantly
Add a note, a tag
Tagged with place
Always in view
02 / 05
Why Raqm
120+banks, read the way they text you
Built for India
SMS-first, UPI-aware categorization tuned for how Indian banks message you.
0 ads
Yours, not sold
No data monetization. Your spending is not the product.
It already knows
Transactions show up the moment they happen. You never type them in.
03 / 05
Everything you need, free
- Automatic SMS-based transaction parsing
- PDF bank/UPI statement upload for unsupported formats
- Manual cash expense logging
- “Couldn’t parse” review queue, with support-request option
- 01Capture
Your bank already texts you. That’s the input.
- Automatic SMS-based transaction parsing
- PDF bank/UPI statement upload for unsupported formats
- Manual cash expense logging
- “Couldn’t parse” review queue, with support-request option
- 02Organize
Clean it up once. It sticks.
- Custom merchant renaming, auto-applies going forward
- Group related purchases into one entry
- Split one purchase across multiple categories
- Transfer detection: sent/received money tagged correctly
- 03Stay on track
Know what’s safe to spend, before you spend it.
- Safe-to-spend indicator
- Weekly + threshold budget alerts
- Subscription-cancellation nudges
- Custom pay-cycle start date
- 04Life stuff
Notes, places, and who still owes you.
- Notes and location tagging on transactions
- Lending reminders, with auto-SMS follow-up
01
Capture
Your bank already texts you. That’s the input.
04 / 05
Features
- 01 /
Capture & organize
Your bank already texts you. Raqm reads it, sorts it, and cleans up after itself.
Read more → - 02 /
Split & settle
Split a bill, track who owes what, and let the app notice when you’ve been paid back.
Read more → - 03 /
Smarter budgets
A budget that adjusts to how you actually get paid, and tells you before you overspend.
Read more → - 04 /
Life admin
Notes, locations, lending, and grocery lists: the small stuff that adds up.
Read more → - 05 /
Budget Together
Share a budget with your spouse or flatmate. Not your whole financial life.
Read more → - 06 /
AI, on your terms
Auto-categorization that gets smarter, spending insights, and a second opinion before you buy, without handing over your financial life.
Read more →
05 / 05
Get early access
We’ll email you the moment Raqm is ready to install. Nothing else, no spam.