Just say it
Type or speak “450 pizza last night” or “35k salary on 6th”. zyvault shows the line before it is saved. Voice works in English, Malayalam and Hinglish, and a photo of a bill can be read the same way.
Android app for everyday rupees
Take control of your
money by talking
zyvault is an Android app for spends, income, plans and goals. Say what you spent, catch UPI payments on the phone, and keep budgets in one calm place.
Made for the way money actually moves
- Cash
- Every bank
- UPI
- Voice
- Budgets
- Goals
Features
A quieter way to track money
Speak a spend, confirm it, and let plans, budgets and questions live next to the balance.
Payments caught
Bank SMS and alerts from GPay, PhonePe, Paytm, BHIM and CRED become one question: where did this money go? The message stays on the phone. A sender you mark as spam is skipped until you allow it.
Budgets & goals
Set a monthly limit for food, shopping or any category. zyvault warns you at 80% and again when you go over. Save toward a goal, such as a trip, by saying “add 500 to Goa trip”.
Plans & reminders
Salary on the 1st, rent on the 5th, send ₹500 to someone at 6 pm. zyvault reminds you, then records the entry. Reminders can arrive when the app is closed.
Ask your money
Ask “How much on food this month?” or “Who owes me?” The answer comes back with a chart, from the accounts and categories you already keep.
Private on the phone
Bank SMS and UPI alerts are read on the device. You confirm a spend before it is saved, and a fingerprint, face or phone PIN can lock the app when it opens.
How it works
Three steps, then it is saved
- 1
Say the spend
Speak or type the amount and what it was for, in the words you already use. A bill photo works too.
- 2
Check the line
zyvault shows the amount, category, account and date. You change anything that is wrong, then save.
- 3
See the month
Home shows the balance, what you spent, goals and budgets. Activity splits the same money by week, month or quarter.
About
What zyvault is
zyvault is a personal finance app for Android. It keeps a record of cash and bank accounts in rupees: what came in, what went out, what is planned, and what you are saving for.
You add a line by typing or speaking, including Malayalam and Hinglish, or by photographing a bill. If you allow it, a bank SMS or a payment alert from GPay, PhonePe, Paytm, BHIM or CRED can start the same question. You still confirm the category before it is saved.
zyvault is not a bank and it does not send money. Paying someone still happens in your own UPI or bank app. The ledger is the part that used to live in a notebook.
FAQ
Questions people ask
What is zyvault?
zyvault is an Android app for tracking everyday money in rupees. You record spends and income by talking or typing, catch bank SMS and UPI app alerts on the phone, and keep budgets, savings goals, plans and who owes whom.
Does zyvault move or hold my money?
No. zyvault does not send, receive or store money. It is a record of cash and bank accounts you add yourself. Paying someone still happens in your bank or UPI app.
Which languages can I speak?
You can type or speak in English, Malayalam or Hinglish. Examples: “450 pizza last night” or “35k salary on 6th”.
Do bank SMS and UPI alerts leave the phone?
No. Reading bank SMS and alerts from GPay, PhonePe, Paytm, BHIM and CRED happens on the phone, and only after you turn those options on in Profile. Messages are not uploaded.
Can I track who I lent money to?
Yes. You can mark a line as lent or paid back, then ask who owes you. The balance for each person stays with the rest of your records.
How do budgets and goals work?
A budget is a monthly limit on a category. zyvault warns you when that category reaches 80% and when it goes over. A goal is an amount you are saving toward. You can add to it by saying so, for example “add 500 to Goa trip”.
Is zyvault on the Play Store?
zyvault is an Android app you install from the APK offered on this site. It is not described here as a Play Store listing.