Capture & organize
Your bank already texts you. Raqm reads it, sorts it, and cleans up after itself.
Every bank SMS, parsed on-device
120+ Indian and international banks. Amount, merchant, account, balance, extracted the moment the SMS arrives, nothing sent anywhere.
PDF statements for accounts that never text you
Upload a bank or UPI statement PDF and get the same structured transactions SMS parsing gives you.
Cash, logged manually
Nothing to parse for a cash expense. Add it yourself in a few taps and it sits right alongside everything else.
Rename a merchant once, it sticks
“AMZN MKTP IN” becomes “Amazon” the first time you fix it, and every future transaction from that merchant follows.
Split one purchase across categories
₹500 at the supermarket that was really ₹300 groceries and ₹200 household? Split it across both, from one transaction.
Group related purchases into one entry
Bundle a few small transactions into a folder, one summed entry, with a tap to expand the individual items.
It knows a transfer isn’t an expense
A debit and credit within 24 hours, same amount, different accounts of yours, recognized as a self-transfer and kept out of your spending totals automatically.
Refunds, netted against the original spend
A credit that matches a prior debit gets linked as a refund, so your category totals reflect what you actually kept, not the gross amount.