SMS Ledger – Pro SMS Organizer

What is SMS Ledger?

SMS Ledger is a free Android application from Kalpa Mind Labs that helps you make sense of the messages you receive. It reads banking and payment notifications, extracts one‑time passwords, and pulls out promotional codes, presenting the information in an organized, offline view.

Main capabilities

• Automatic expense logging – The app scans incoming bank and wallet messages, identifies transaction amounts and categories, and builds a simple ledger without you having to enter anything manually.
• OTP vault – One‑time passwords are captured as soon as they arrive, displayed with a countdown timer, and can be copied with a single tap. Expired codes are moved to a history list.
• Promo‑code finder – Discount offers and coupon codes embedded in marketing SMS are detected, listed, and made easy to copy.
• Privacy‑first design – All processing happens on the device; no data is sent to external servers.

How it works

When a new SMS arrives, SMS Ledger checks the sender and the message pattern. If the text matches a known banking format, the app extracts the amount, date and merchant, then assigns it to a predefined category such as Food, Travel or Bills. OTP messages are recognized by their typical structure and stored in a secure, encrypted area that the app can display for a short period. Promotional messages are parsed for alphanumeric codes and expiry dates, which are then grouped for quick reference.

Practical uses

• Keep a running overview of your spending without opening each banking app.
• Never lose an OTP again – the code stays visible until it expires.
• Find discount codes quickly when you’re shopping online or in‑store.

Installation notes

The app is available as a free download from the Google Play Store. It requires permission to read SMS messages so it can perform its core functions. No additional setup is needed; once installed, it begins monitoring incoming texts automatically.

Who might benefit?

Anyone who receives regular banking or payment notifications, uses OTPs for two‑factor authentication, or gets promotional offers via SMS will find SMS Ledger useful. It is especially handy for users who prefer to keep financial tracking offline and under their own control.

Frequently asked questions

Is my data shared with third parties?

No. All processing is performed locally on your device and the app does not transmit SMS content elsewhere.

Can I disable specific features?

Yes. Within the settings you can turn off expense tracking, OTP capture or promo detection individually.

What if I receive a message from a bank that isn’t recognized?

The app will still store the raw message, and you can manually assign a category or amount if you wish.