Local-first · Android

Your money.
Your rules.

Personal finance that lives on your phone. Transactions, budgets, and goals stay on your device — no accounts, and no Loker server holding your data.

Get it onGoogle Play View source
Free · open source · no sign-up
On-device only
100% local data
Transactions never leave your phone. No sync, no exposure.
No server
Zero infrastructure
Loker runs no backend. Nothing to breach, nothing to subpoena.
Open source
Fully auditable
Every line of code is public. Verify what runs on your phone.
Backup optional
Encrypted, BYO Drive
Your key, your Google Drive. We never touch either.
What's inside

Your phone is the only server

Six capabilities. One rule: every computation runs on your device, on a database you own outright.

Notification capture

On-device parsing

On-device SQLite

Local database

Budgets & goals

Plan & track

Encrypted backup

Optional · BYO Drive

Biometric lock

Fingerprint / Face

Optional AI — BYOK

Bring your own key
On-device parsing

Notification capture

Reads payment notifications as they arrive and turns them into transactions — no manual typing, no bank login required.

HDFC Bank
now
Debited ₹350.00 at Swiggy Food
↓ auto-extracted on device
Swiggy Food −₹350.00 Food
Local database

On-device SQLite

Every transaction lives in a local SQLite database. Fast, offline, and yours — query it, export it, delete it anytime.

datepayeeamountcategory
Oct 14Coffee−$4.20Food
Oct 13Groceries−$68.40Grocery
Oct 1Salary+$2,800Income
2,841 rows · 2.1 MB · no server ever touched this
Plan & track

Budgets & goals

Set monthly budgets per category and track savings goals. Clear progress, computed instantly from your own local data.

Food & Dining $288 / $400
Transport $89 / $150
Entertainment $45 / $80
Bills $310 / $310 ✓
Optional · BYO Drive

Encrypted backup

Optional. Push an encrypted snapshot to your own Google Drive. The key stays with you — we never see it.

Local DB
→
AES-256
→
Your Drive
enc_key: ••••••••••••••••••••••
↳ Key stored on device only. We never see it.
Fingerprint / Face

Biometric lock

Gate the app behind your fingerprint or face. Your finances stay sealed even if your phone is handed off.

Identity confirmed
Bring your own key

Optional AI — BYOK

Want categorization or insights from an LLM? Add your own API key. Nothing leaves your device unless you opt in.

What did I spend on food this month?
$288 across 34 transactions — 28% under budget.
↳ Direct call to your provider · no Loker intermediary
API key: sk-proj-••••••••••••
A look inside

See every cent.

No server round-trips. No sync delays. Your data renders from the device — instantly, every time.

↑
+$2,800Salary · Oct 1
EncryptedOn-device only
72%Food budget
9:41●●●○ WiFi
Total balance
$4,284.50
↓ $340 this month
Recent
☕
CoffeeToday, 09:14
−$4.20
🛒
GroceriesYesterday
−$68.40
💸
SalaryOct 1
+$2,800
🚌
Transit passSep 30
−$32.00
9:41October 2026
Monthly budgets
Food & Dining$288 / $400
Transport$89 / $150
Entertainment$45 / $80
Bills & Utilities$310 / $310 ✓
Subscriptions$28 / $60
9:41Savings
Your goals
Emergency Fund$3,200 / $5,000
64%
New Laptop$740 / $1,200
62%
Vacation Fund$250 / $2,000
13%
The privacy model

There is no Loker server

Loker has no backend to send your data to. No account to create, nothing to leak. Your transactions, budgets, and goals are written to a database on your device and stay there — unless you choose to back them up.

Read the full privacy model →
No account requiredOpen the app and start. No email, no phone number, no sign-up.
No Loker serverWe operate no backend. Your data is never transmitted to us.
Optional encrypted backupSnapshots go to your own Google Drive — encrypted with a key only you hold.
Open source for auditThe code is public. Read exactly what runs on your phone.
Questions

The short answers

Do I need an account?
No. There's no sign-up, login, or email. You open Loker and your data lives on your device from the first launch.
Where is my data stored?
In a local SQLite database on your phone. Loker has no server, so nothing is uploaded unless you turn on the optional encrypted backup.
What does the cloud backup actually do?
It's optional. When enabled, Loker writes an encrypted snapshot to your own Google Drive so you can restore after a phone swap. The encryption key stays on your device — we can't read it, and neither can Google.
Is the AI sending my data somewhere?
Only if you set it up. AI features are bring-your-own-key (BYOK): you add an API key, and requests go directly to that provider. Leave it off and nothing leaves your phone.
Is Loker really open source?
Yes — the source is public so anyone can audit exactly how your data is handled. View it on GitHub.
When is it on the Play Store?
Soon. The Google Play link here is a placeholder until the store listing is live. Star the repo to follow along.