All accounts, one total.
Add every bank account, UPI wallet and cash, and see one combined Total Money.
Automatic expense tracker for Android
Stop typing every rupee.
DNC Flow logs it for you.
DNC Flow reads payment alerts from your bank and UPI apps, adds each transaction to your ledger, and sorts it into the right category.
100 free AI scans · Manual entry always free · Ledger stored on your phone
The problem
Where did all my money actually go?
Salary in one bank. Rent from another. UPI payments everywhere. Cash in your pocket. Manual expense apps ask you to log every ₹30 coffee, and most people give up within days.
How it works
From payment alert to ledger entry, automatically.
- Alert arrives. Your bank or UPI app sends a payment notification.
- Filtered on your phone. Only alerts from supported bank and payment apps are read. OTPs, promotions and personal messages are filtered out.
- AI steps in only when needed. If an alert is unclear, AI reads it to find the amount, merchant and category.
- Added to your ledger. The transaction appears in your ledger, already categorized.
Smart categories
Sorted before you even look.
- Known merchants are sorted instantly: Zomato to Food, Blinkit to Groceries, Indian Oil to Fuel.
- Unknown merchants start in Uncategorized. DNC Flow checks that merchant's history and learns from every change you make.
- Create your own categories, like PG Rent or Family.
Private by design
Your ledger lives on your phone.
- Only alerts from supported bank and payment apps are read. Chats and other apps are ignored.
- Every alert is filtered on your phone first.
- Only unclear alerts are sent to our AI provider, over an encrypted connection. Our AI provider states that API data isn't used to train its models by default.
- Your transactions, balances and categories are stored on your phone, not in a DNC Flow cloud database.
- No third-party ad networks. Your data is never sold.
Everything else
Built for UPI, multiple banks and cash.
Analytics.
Spot your high-spend categories instantly with charts. Switch between day, week, month and year.
Activity.
See every transaction in a clean, chronological ledger, with category and date filters.
Custom categories.
Create categories that match how you spend.
Manual quick-add.
Paid in cash or missed an alert? Add it with the + button. Manual entry is always free.
Encrypted local backup.
Back up your ledger, encrypted, on your own device.
Questions, answered.
Why do I download an APK instead of using the Play Store?
DNC Flow is in early preview and coming soon to the Play Store. Until then, you can install it directly from our download page.
Android warned me about the app. Is that normal?
Yes. Play Protect may flag apps installed outside the Play Store. Our download page shows how to install it step by step.
Does DNC Flow read my personal messages?
It ignores notifications from chat, email and social apps. From supported bank, payment and SMS apps, it filters out OTPs, promotions and personal messages. Rarely, an unclear notification may be checked by AI before it is discarded.
What happens when my free AI scans run out?
You can upgrade to Premium for 1,000 AI scans a month, or keep tracking manually at no cost.
Is DNC Flow available on iPhone?
Not right now. DNC Flow is available for Android only.
Track every rupee without lifting a finger.
Free to start with 100 AI scans.
Android only · Version 1.0.0 preview · Coming soon to the Play Store