Onetap turns a payment alert your bank already sends — or a sentence you speak — into a categorized expense. Budgets that warn you before the month ends, exports that balance to the cent, and a ledger that stays encrypted on your phone.
Free for three days, no card. Android 7.0 and up.
Six things expense apps still make you do by hand — and how Onetap removes each one.
As little as possible. Here's what Onetap already handles for you.
One sentence, and the expense is already filled in.
“flat white, four fifty”
No typing, no app switch — it happens while the alert is still on screen.
Alert from an app you added
Masked on your phone
Masked text read by the AI
Recorded
Know before you overspend, not after.
Everyday, a trip, work — each in its own money.
It's money. It should add up.
Two more things Onetap takes care of.
Rename them, pick an emoji, reorder them — and Onetap suggests one when you add a new one.
Back up to a private folder in your own Google Drive, and restore it on your next phone.
No account, no ads, no ad trackers — and a plain answer about what does get sent.
Transactions, budgets and lists are encrypted on the device with a key held in Android's Keystore. There's no Onetap account and no Onetap server holding your spending.
Bank automation reads payment alerts from the apps you choose and no others. Card and account numbers are masked on your phone first, and one-time passcodes are dropped without ever being sent.
To read what you say and what your bank writes, that text goes to an AI provider to be interpreted — nothing else does. The privacy policy spells out exactly what is sent, and when.
Onetap counts usage events — a screen opened, a setup step reached, a locked feature tapped — so we can see where it's failing people. No amounts, no merchants, nothing from your ledger, no session recording, and nothing linked to your name or any account. Every event is listed.
Pick your categories and currency, and add the banking apps you want watched. It takes a couple of minutes, and you only do it once.
Hold the mic and say what you spent, or carry on as normal and let your bank's payment alerts file themselves.
Category bars with your budget percentages, a period you choose, and an export whenever you want the numbers elsewhere.
No card to start, and no sign-up. The parts that run on your phone stay free for good.
Cancel whenever you like.
Works out at US$1.50 a month.
Pay once, keep it.
Prices vary by country — Google Play converts them for where you are.
Everything is free for three days — no card, no sign-up. After that, adding and editing expenses by hand, your categories, your budgets and the month you're in stay free for good. Voice entry, bank automation, earlier months, CSV and PDF export, Drive backup and extra lists need Pro: US$1.99 a month, US$17.99 a year, or US$34.99 once. See what's in each.
Nothing is taken away or deleted. Everything you've recorded stays on your phone and you can carry on adding to it by hand. Payment alerts from your bank keep being captured and held on the device — masked, never sent anywhere — so if you subscribe later you can choose to record them. Anything you don't deal with is dropped after 30 days.
No. Onetap has no account and no password. You can optionally sign in with Google, but only to back up to your own Google Drive — the app itself works without it.
No. The microphone records only while you are holding the microphone button, never in the background and never without you starting it.
Three things: the audio you record while holding the mic, the text of the expense you describe, and the text of payment notifications from the banking apps you added. Card and account numbers are masked on your phone before anything is sent, and one-time passcodes are never sent at all. Your ledger itself is never uploaded. The privacy policy has the detail.
It counts a short list of events — which screens you opened, which setup step you reached, which locked feature you tapped, whether a bank alert was read correctly — so we can find out where the app is letting people down. There's no session recording, no automatic capture of taps, no advertising ID, and nothing from your ledger: no amount, merchant, note or category ever leaves in an event, and none of it is linked to your name or any account. The privacy policy lists every event.
It only ever reads notifications from the apps you explicitly added — everything else is discarded on the app's name, before its text is looked at. One-time passcodes and verification messages are detected on the phone and dropped without being stored or sent. You can revoke the access in Android's settings at any time.
On your device, encrypted with a key held in the Android Keystore. No server of ours holds your spending — voice and text pass through a relay we run on their way to the AI provider, but it stores neither. Optional backups go straight into a private folder in your own Google Drive that only Onetap can see.
Yes. Export to CSV for a spreadsheet, or to a PDF statement you can read, send or file. Both use the same exact amounts you see on screen.
Your ledger, budgets and exports all work offline. Voice entry needs a connection to transcribe; if the model can't be reached, Onetap falls back to a parser that runs on the phone and still opens the editor for you. Bank notifications are kept and processed once you're back online.
Android 7.0 (Nougat) and newer. Bank automation needs notification access, which you grant in Android's settings and can revoke at any time.
Onetap is Android-first for now. Bank automation depends on Android's notification access, which iOS does not offer, so an iOS version would work differently.
Onetap is on Android today. Leave your email and we'll tell you if an iOS version happens — one message, and only about that.
No spam, and nothing else sent to this address. Unsubscribe anytime.
