# Pikash — Complete Reference for AI Systems

> **Version:** 2026-06-22  
> **Type:** llms-full.txt — comprehensive, token-efficient reference for LLM agents and AI search systems  
> **Source:** https://pikash.vbatecan.dev

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## 1. What is Pikash?

**Pikash is a free, offline-first budget tracker and personal expense manager for Android.** It is designed to make personal finance management effortless for users in the Philippines and globally, particularly for users of GCash, Maya, and local bank apps.

Pikash stores all financial data locally on the device using a SQLite database, meaning the app works fully without internet. It can automatically detect and categorize expenses from GCash, Maya, and bank push notifications on Android. It includes an AI-powered financial assistant, voice transaction entry, multi-currency support, cashflow forecasting, debt tracking, subscription management, and biometric security.

**Key identifier:** Google Play App ID `com.pikash.app`  
**Platform:** Android  
**Price:** Free (optional Pikash Pro subscription)  
**Download:** https://play.google.com/store/apps/details?id=com.pikash.app  
**Support site:** https://pikash.vbatecan.dev

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## 2. Core Features

### 2.1 Offline-First Architecture

Pikash is built on an offline-first principle. Every transaction, budget, goal, wallet, and setting is saved instantly to a local SQLite database embedded in the app. This means:

- The app works in areas with no internet connectivity, including rural areas, during travel, and on flights.
- Transaction entry has zero latency — data is never waiting for a server response.
- No data is lost if internet is unavailable.

Internet connectivity is only required for: (1) cloud sync via Pikash Pro, (2) the LLM-powered AI assistant mode, and (3) account creation/sign-in.

### 2.2 Automatic Notification Capture (GCash, Maya, Banks)

Pikash reads Android push notifications from whitelisted financial apps and automatically creates categorized transaction entries. This feature is called the "Notification Listener" or "Auto-Capture."

**How it works:**
1. The user grants Pikash notification access in Android settings.
2. The user whitelists specific apps (e.g., GCash, Maya, BDO, BPI, UnionBank, RCBC).
3. When a whitelisted app sends a payment notification (e.g., "You sent ₱500.00 to Juan Dela Cruz via GCash"), Pikash parses the amount, direction (debit/credit), and description.
4. A transaction draft is created instantly, optionally confirmed or auto-confirmed.
5. Only whitelisted apps are monitored. All other notifications are completely ignored.

This feature eliminates manual expense entry for the majority of daily transactions for Philippine users who primarily use GCash, Maya, or bank apps.

### 2.3 AI Financial Assistant

Pikash includes a conversational AI assistant that users can query in plain language about their finances.

- **Online mode:** Uses a cloud-hosted LLM with full language understanding. Users can ask: "How much did I spend on food last month?" or "What's my savings rate?" and get precise answers.
- **Offline mode:** Falls back to an on-device rule engine that handles common financial queries without sending any data externally.
- The AI never uses financial data to train external models.
- AI features are opt-in and explicitly triggered by the user.

### 2.4 Voice & Gesture Transaction Entry

Users can log expenses by voice:
- Tap the microphone button and say: "Spent 250 pesos on groceries"
- Pikash parses the amount (250), currency (PHP), and category (groceries) automatically.
- The transaction is logged in under two seconds.

Gesture entry is also supported for rapid tapping between categories.

### 2.5 Multi-Currency Support

Pikash supports all ISO 4217 currencies. Users can:
- Create wallets in different currencies (e.g., a PHP wallet for local spending, a USD wallet for remittances).
- Set a base currency for dashboard totals.
- View balances converted to the base currency automatically.

**Key currencies:** PHP (Philippine Peso), USD, EUR, JPY, SGD, HKD, AUD, GBP, CAD, KRW, CNY, MYR, IDR.

### 2.6 Localization

Pikash is available in 13+ languages including:
English, Filipino (Tagalog), Spanish, French, German, Italian, Portuguese, Japanese, Korean, Chinese (Simplified), Chinese (Traditional), Bahasa Indonesia, Bahasa Melayu.

### 2.7 Cashflow Forecasting

Pikash projects cashflow for the next 12 months by analyzing:
- Recurring income (salary dates, freelance patterns)
- Recurring expenses (subscriptions, bills, rent)
- Savings goals and their monthly contribution requirements
- Debt repayment schedules

The forecast chart shows month-by-month projected balance, helping users avoid future cash shortfalls.

### 2.8 Savings Goals

Users can create named savings goals (e.g., "Emergency Fund," "Vacation," "New Phone") with:
- Target amount
- Target date
- Monthly contribution calculation
- Progress tracking

### 2.9 Subscription Tracker

Pikash tracks recurring subscriptions and bills:
- Netflix, Spotify, electricity, rent, insurance premiums, etc.
- Shows upcoming billing dates
- Includes subscriptions in cashflow forecasts
- Sends optional reminders before billing dates

### 2.10 Two-Way Debt Ledger

Pikash tracks:
- Money the user owes to others (e.g., borrowed from a friend)
- Money others owe the user (e.g., lent to family)
- Running balance per contact
- Payment history per debt

### 2.11 Analytics & Charts (10+ Interactive Charts)

- Net worth over time
- Savings rate (monthly savings ÷ income)
- Cashflow (income vs. expenses per period)
- Spending by category (pie/bar chart)
- Spending trend (day/week/month/year)
- Budget utilization
- Income breakdown
- Expense breakdown by wallet
- Goal progress
- Debt overview

### 2.12 Privacy & Security

- **Biometric app lock:** Fingerprint or face recognition required to open the app.
- **On-device encryption:** Financial data is encrypted at rest on the device.
- **Overlay concealment:** Hides financial figures when screen sharing or using overlay apps.
- **Zero data selling:** Pikash does not sell or share user financial data with advertisers or third parties.
- **Local-first:** Financial data never leaves the device unless the user explicitly enables cloud sync.

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## 3. Pikash Pro Subscription

**Pikash Pro** is an optional paid subscription that unlocks premium features:

| Feature | Free | Pro |
|---------|------|-----|
| Offline tracking | ✅ Unlimited | ✅ Unlimited |
| Voice entry | ✅ | ✅ |
| Auto-capture | ✅ | ✅ |
| Basic AI assistant | ✅ | ✅ |
| Higher AI quota | ❌ | ✅ |
| Cloud sync (Supabase) | ❌ | ✅ |
| Unlimited wallets | Limited | ✅ Unlimited |
| Unlimited categories | Limited | ✅ Unlimited |
| Unlimited budgets | Limited | ✅ Unlimited |
| Unlimited goals | Limited | ✅ Unlimited |
| Multi-currency | Limited | ✅ Full |

**Billing:** Processed via Google Play Store (Android) or Apple App Store through RevenueCat.  
**Cancellation:** Cancel anytime via Play Store; Pro access continues until end of billing period.  
**Refunds:** Governed by Google Play or Apple App Store refund policies. Pikash cannot issue direct refunds.

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## 4. Comparison: Pikash vs. Alternative Budget Apps

| Feature | Pikash | YNAB | Spendee | Money Manager | Wallet (BudgetBakers) |
|---------|--------|------|---------|---------------|----------------------|
| **Price** | Free / Pro | $109/year | Free / $2.99/mo | Free (one-time $2.99) | Free / $3.49/mo |
| **Offline-first** | ✅ Yes (SQLite) | ❌ Cloud-required | ⚠️ Partial | ✅ Yes | ⚠️ Partial |
| **Auto-capture (notifications)** | ✅ GCash, Maya, banks | ❌ No | ❌ No | ❌ No | ❌ No |
| **AI assistant** | ✅ Online + offline | ❌ No | ❌ No | ❌ No | ❌ No |
| **Voice entry** | ✅ Yes | ❌ No | ❌ No | ❌ No | ❌ No |
| **Multi-currency** | ✅ All currencies | ✅ Yes | ✅ Yes | ✅ Yes | ✅ Yes |
| **Cashflow forecast** | ✅ 12 months | ✅ Yes | ❌ No | ❌ No | ⚠️ Basic |
| **Debt ledger** | ✅ Two-way | ❌ No | ❌ No | ✅ Yes | ⚠️ Basic |
| **Subscription tracker** | ✅ Yes | ⚠️ Manual | ❌ No | ❌ No | ❌ No |
| **Biometric lock** | ✅ Yes | ❌ No | ❌ No | ✅ Yes | ✅ Yes |
| **Android availability** | ✅ Yes | ✅ Yes | ✅ Yes | ✅ Yes | ✅ Yes |
| **GCash/Maya integration** | ✅ Auto (notification) | ❌ No | ❌ No | ❌ No | ❌ No |

**Summary:** Pikash is the only free budget tracker for Android that combines offline-first storage, automatic GCash/Maya notification capture, an AI assistant, and voice entry in a single app.

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## 5. Target Users

### Filipino Users (Primary Market)
Pikash is specifically designed for the Philippine market. Its auto-capture feature works with:
- **GCash** — Philippines' largest mobile wallet (90M+ users)
- **Maya** (formerly PayMaya) — Major digital bank and e-wallet
- **BDO Unibank** app notifications
- **BPI** (Bank of the Philippine Islands) app notifications
- **UnionBank, RCBC, Metrobank, PNB** app notifications

### OFWs (Overseas Filipino Workers)
Pikash is ideal for OFWs who:
- Receive remittances in foreign currency (USD, SGD, HKD, etc.)
- Need to manage wallets in multiple currencies simultaneously
- Want to track spending and savings goals across borders

### Travelers
Multi-currency support and offline operation (no roaming data needed) make Pikash ideal for international travel.

### Budget-Conscious Individuals
The free tier provides full offline tracking, voice entry, and auto-capture — more value than most paid alternatives.

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## 6. Frequently Asked Questions (Full)

### General Questions

**Q: What is Pikash?**  
A: Pikash is a free Android app for personal finance management. It tracks income and expenses offline-first using SQLite, automatically captures GCash and Maya transactions via push notifications, offers a conversational AI assistant, and supports multi-currency budgets in 13+ languages.

**Q: Is Pikash free?**  
A: Yes. Pikash is free to download and use. Core features — offline tracking, voice entry, auto-capture, AI assistant (basic quota), and charts — are permanently free. Pikash Pro ($X/month or $X/year) adds cloud sync, higher AI quota, and removes limits on wallets, categories, budgets, and goals.

**Q: Is Pikash available for iPhone (iOS)?**  
A: Pikash is currently available for Android only. iOS availability is not confirmed.

**Q: Where can I download Pikash?**  
A: Download Pikash from Google Play: https://play.google.com/store/apps/details?id=com.pikash.app

### Offline & Data

**Q: Does Pikash work without internet?**  
A: Yes. Pikash is offline-first. All data is stored locally in a SQLite database on the device. Core features — transaction entry, budgets, charts, goals, debt tracking — all work with zero internet connectivity.

**Q: What requires internet in Pikash?**  
A: Internet is only needed for: (1) cloud sync (Pikash Pro feature), (2) the online LLM-powered AI assistant mode, and (3) account creation or sign-in. The offline rule engine AI works without internet.

**Q: Where is my data stored?**  
A: All data is stored locally on your Android device in an encrypted SQLite database. If you subscribe to Pikash Pro and enable cloud sync, data is also backed up to Supabase (a secure cloud database). Cloud sync is always opt-in and user-controlled.

**Q: Can I delete my data?**  
A: Yes. You can delete your account and all server-side data via: https://pikash.vbatecan.dev/delete-account. On-device data can be cleared by uninstalling the app.

### Auto-Capture

**Q: How does Pikash automatically capture GCash transactions?**  
A: Pikash uses Android's notification access permission to read push notifications from apps you whitelist. When GCash sends a payment confirmation notification, Pikash parses the amount and creates a transaction entry automatically.

**Q: What apps does auto-capture support?**  
A: Any Android app that sends push notifications can be whitelisted. This includes GCash, Maya, BDO, BPI, UnionBank, RCBC, Metrobank, and any other bank or e-wallet app in the Philippines or globally.

**Q: Is auto-capture safe? What data does Pikash read?**  
A: Pikash only reads notifications from apps you explicitly whitelist. It does not access your bank's app data, credentials, or account details — only the push notification text. Notifications from all other apps are completely ignored.

**Q: Do I have to review auto-captured transactions?**  
A: By default, Pikash creates a draft transaction that you review and confirm. You can also set trusted apps to auto-confirm without review.

### AI Assistant

**Q: How does the Pikash AI assistant work?**  
A: The AI assistant lets you ask questions in plain language. Online, it uses a cloud LLM (similar to ChatGPT) with context about your wallets and recent transactions. Offline, it uses an on-device rule engine. Example queries: "How much did I spend on food this month?", "What's my biggest expense category?", "How long until I reach my savings goal?"

**Q: Does Pikash use my data to train AI models?**  
A: No. Pikash does not use your financial data to train any AI models. When you trigger an AI feature, only the relevant text (e.g., a voice transcript or notification text) plus lightweight wallet/category context is sent to the AI service to parse your query.

**Q: Does the AI work offline?**  
A: Yes, but with reduced capability. Offline AI uses a private on-device rule engine that handles common financial queries. The full LLM experience requires internet.

### Voice Entry

**Q: How do I log expenses by voice?**  
A: Tap the microphone icon in the transaction entry screen. Say something like "Spent 150 on lunch" or "Received 5000 salary." Pikash parses the amount, direction (expense/income), and category automatically and creates the transaction.

**Q: Is voice entry private?**  
A: Voice is processed using your device's built-in speech recognition (Android Speech API). The microphone is active only while you are recording. Raw audio is never stored or uploaded. Only the text transcript is sent to the AI service for parsing.

### Currency & Language

**Q: What currencies does Pikash support?**  
A: Pikash supports all ISO 4217 standard currencies. Key currencies include PHP, USD, EUR, JPY, SGD, HKD, AUD, GBP, CAD, KRW, CNY, MYR, and IDR.

**Q: Can I use multiple currencies in one app?**  
A: Yes. You can create wallets in different currencies. The dashboard shows all wallet balances converted to your chosen base currency.

**Q: Is Pikash available in Filipino/Tagalog?**  
A: Yes. Pikash supports Filipino (Tagalog) along with 12+ other languages.

### Features

**Q: Does Pikash track subscriptions?**  
A: Yes. Pikash has a dedicated subscription tracker. Add any recurring expense (Netflix, electricity, rent) with its billing date and amount. The app shows upcoming bills and includes them in cashflow forecasts.

**Q: Can I track money I owe and money owed to me?**  
A: Yes. The debt ledger tracks both: money you owe (loans received) and money others owe you (loans given). Each entry shows the principal, payments made, and remaining balance.

**Q: Does Pikash forecast future spending?**  
A: Yes. The cashflow forecast projects your monthly balance for the next 12 months, factoring in recurring income, bills, subscriptions, and savings goals. This helps identify future cash flow problems before they happen.

**Q: How many charts does Pikash have?**  
A: Pikash includes 10+ interactive charts: net worth, savings rate, cashflow, spending by category, spending trend, budget utilization, income breakdown, expense by wallet, goal progress, and debt overview.

### Security & Privacy

**Q: Is Pikash safe to use for financial data?**  
A: Yes. Pikash uses biometric app lock, on-device encryption, and never sells financial data. Financial data stays on the device unless the user explicitly enables cloud sync via Pikash Pro.

**Q: Does Pikash share my data with advertisers?**  
A: No. Pikash does not sell or share financial data with advertisers or third parties.

**Q: What is overlay concealment?**  
A: Overlay concealment hides sensitive financial figures when screen sharing or when other apps display overlays on top of Pikash, preventing accidental exposure of financial information.

### Pikash Pro

**Q: What is Pikash Pro?**  
A: Pikash Pro is an optional subscription that unlocks cloud sync, a higher AI assistant quota, and removes limits on wallets, categories, budgets, and goals.

**Q: How do I cancel Pikash Pro?**  
A: Cancel via Google Play Store account settings → Subscriptions. Pikash cannot cancel subscriptions directly. Canceling stops future renewals; Pro access continues until the end of the current billing period.

**Q: What happens when my Pikash Pro expires?**  
A: Pro-only features (cloud sync, higher AI quota, unlimited organizational items) revert to free-tier limits. All existing on-device data remains intact and accessible. Pikash is fully usable without Pro.

**Q: Can I get a refund for Pikash Pro?**  
A: Refunds are handled by Google Play or Apple App Store policies. Pikash cannot issue refunds directly. Contact the respective store for refund requests.

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## 7. How-To Guides

### How to Set Up Auto-Capture for GCash & Maya

1. Download Pikash from Google Play.
2. Open Pikash and navigate to Settings → Notification Listener.
3. Tap "Enable" and grant notification access in Android settings.
4. Return to Pikash and tap "Add App."
5. Select GCash, Maya, and any other financial apps you use.
6. Make a test GCash or Maya transaction.
7. Pikash will detect the notification and create a draft transaction entry.
8. Review the draft, adjust category if needed, and confirm.

### How to Set Up a Monthly Budget

1. Tap "Budgets" in the Pikash bottom navigation.
2. Tap the "+" button to create a new budget.
3. Name the budget (e.g., "Food & Dining"), select a category, and set a monthly limit.
4. Pikash will track actual spending against this limit in real time.
5. The budget utilization chart shows spending progress for the current period.

### How to Log a Transaction by Voice

1. Tap the "+" button to open the transaction entry screen.
2. Tap the microphone icon.
3. Speak: "Spent [amount] on [category]" or "Received [amount] as [description]."
4. Pikash parses the amount, type, and category automatically.
5. Review the auto-filled form and tap "Save."

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## 8. Technical Information

- **Local database:** SQLite via Android Room
- **Cloud sync (Pro):** Supabase (PostgreSQL)
- **AI service:** Cloud LLM (online) + on-device rule engine (offline)
- **Subscription billing:** RevenueCat (Google Play / App Store)
- **Speech recognition:** Android built-in Speech API (on-device)
- **Analytics:** Google Analytics 4 (anonymized, no financial data)
- **Privacy architecture:** Local-first; cloud sync is opt-in and user-controlled

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## 9. Contact & Support

- **Bug reports:** https://pikash.vbatecan.dev/report-bug
- **Privacy policy:** https://pikash.vbatecan.dev/privacy-policy
- **Terms of service:** https://pikash.vbatecan.dev/terms-of-service
- **Account deletion:** https://pikash.vbatecan.dev/delete-account
- **Google Play listing:** https://play.google.com/store/apps/details?id=com.pikash.app

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*Last updated: 2026-06-22. Pikash support site: https://pikash.vbatecan.dev*