Hisaab: Open-source Android app uses on-device Gemma 4 to read bank SMS without internet access

A developer built Hisaab, an Android app that analyzes Indian bank SMS alerts to track spending and flag suspicious transactions. The app runs the Gemma 4 E2B model directly on the phone, and it has no internet permission, so financial messages never leave the device. Regex handles exact amounts and due dates, while fixed rules decide when to alert, keeping the model away from money figures. Gemma is used only to identify merchants and categories and to write a short morning summary. Alerts for mismatched bills, duplicate charges, unusual payments, and new auto-debits appear as notifications with "It was me" and "Not me" options.