SMS capture
Capture new transaction SMS automatically and scan older messages for a date range you choose.
- Live capture and flexible history scans
- Bank debits, credits, UPI, cards and wallets
- Unclear records are held for review
Your money,
tracked automatically.
Flozo captures supported transaction SMS and app alerts, organizes your income and expenses, and learns familiar formats from your corrections using on-device rules.
- Core tracking works offline
- Learns from your corrections
- Android 8.0+
Capture confirmedAmount, merchant and source
Adaptive parsingLearns familiar formats
Home●
Net balance
₹24,650
Income₹36,400 ↑
Expense₹11,750 ↓
Recent transactionsView all
↓
Salary creditedHDFC Bank · SMS
+₹32,000
₹
Amazon PayUPI payment
−₹1,299
↯
Jio RechargeApp notification
−₹239
↻
Cashback receivedPaytm
+₹350
Automatic capture with smarter controls
Flozo combines SMS and notification capture, adaptive on-device parsing, clear review tools, and flexible personalization in one finance tracker.
Notification capture
Capture supported transaction alerts from apps in real time, even while the phone is locked.
- Banking, UPI, wallet, SMS and finance apps
- Expandable confirmations with source details
- Flozo ignores its own notifications
Adaptive parsing
On-device rules learn familiar message formats when you correct a captured transaction.
- Amount, merchant, method, account and category
- Income, expense and transfer detection
- Corrections improve future matches from that source
Smarter cleanup
Matching helps prevent duplicates, while unwanted captures can teach Flozo what to ignore.
- Time and merchant-aware duplicate checks
- Source-scoped not-a-transaction learning
- Disable or forget learned exclusions anytime
Personalized display
Choose how Flozo looks and how large financial values are shown throughout the app.
- Two light and two dark themes
- Indian and international number formats
- Compact K, L, Cr, M and B values
Private local control
Core processing works on your device, with practical controls for privacy and recovery.
- Biometric or device-credential app lock
- Encrypted backup export and restore
- Core transaction processing works offline
How it works
From raw alerts to useful records that improve.
Flozo recognizes common Indian payment formats, extracts available details, and can learn source-specific patterns from your review.
AmountMerchantPayment methodAccountUPI handleSourceTransaction typeCategory
Bank and UPI alerts
Debit, credit, transfer and payment activity from supported formats.
Cards and wallets
Credit card, debit card, wallet, recharge and bill activity.
Home overview
Net balance, income, expenses, categories, trends and time filters.
Review and edit
Confirm uncertain records or correct any captured transaction.
Learns corrections
Future messages from the same source can use your corrected details.
Learns exclusions
Mark an entry as not a transaction to ignore that source-specific pattern.
Follow the guide. Flozo helps with the rest.
- 1
Run guided setup
Review permissions, background access, and bank-specific alert instructions in one place.
- 2
Enable SMS and app alerts
Capture new supported alerts and import older SMS for the date range you choose.
- 3
Keep background access active
Exclude Flozo from aggressive battery optimization for more reliable tracking.
Installing the APK may need one extra Android step
On Android 13 and newer, apps installed outside an app store may be blocked from sensitive special access until you explicitly trust them.
Allow restricted settings
- Open Android Settings, then Apps, then Flozo.
- Tap the three-dot More menu on the App info screen.
- Choose Allow restricted settings and confirm your screen lock.
Enable notification listening
- Complete step 1 first if Android shows Restricted setting.
- Open Settings, then Apps, then Special app access, then Notification access.
- Turn on Flozo and confirm the warning.
Allow SMS separately
- Open Flozo and allow SMS access when prompted.
- If it was denied, open Settings, then Apps, then Flozo.
- Open Permissions, choose SMS, and tap Allow.
Security note: Only allow restricted settings when Flozo was downloaded from the official Flozo GitHub release. Menu names can vary by phone. Read Android's restricted-settings guidance for more detail.
Access needed for automatic tracking
Android requires these permissions so Flozo can scan messages, detect app alerts, and confirm newly captured records.
✉
SMS read permission
Used to capture transaction SMS and import historical records.
●
Notification access and alerts
Used to detect supported app alerts and show capture confirmations.
↻
Battery optimization exclusion
Helps reduce interruptions to background tracking.
A8
Android 8.0 or newer
Flozo requires Android API level 26 or later.
Transparent about limitations
Automatic tracking depends on Android, device settings, and whether a transaction produces a supported SMS or notification.
Transactions without a supported alert cannot be captured automatically.
Some banks require transaction alerts to be enabled in their app or internet banking.
Aggressive battery savers can interrupt SMS or notification capture.
Review important records and export encrypted backups you want to keep.
No manual entry. No spreadsheets. Just Flozo.
Capture supported alerts, review every record, and let on-device learning improve familiar formats while you stay in control.