ApexVault started as one developer's weekend project and has grown into the most feature-rich money tracker we have seen from a Bangladeshi indie maker. The public page describes a lot: logging by typing one line ("Lunch 250 bKash"), pasting several bKash, Nagad, Rocket or Upay payment SMS at once and having them parsed on your device, receipt scanning, shared family wallets with "settle up", DPS and FDR tracking, a bills calendar, goals, a Bangla interface with Bangla digits, and an AI coach. We could test only the public "safe to spend" calculator: ৳3,000 budget, ৳1,200 spent and ৳300 in bills on day 10 gave "about ৳71 a day", and ৳6,000 with nothing spent on day 1 gave ৳200 a day. Both match a 30-day month, and it warns you when spending plus bills exceed the budget. The privacy policy is unusually plain and honest. It says the AI sees only totals and categories, never your notes; data is hosted on Cloudflare; and admins can open a time-limited, logged read-only "view as user" session. It also tracks visitors to public pages for 90 days unless your browser sends Do Not Track. The maker calls it a hobby-project draft policy, and the app lives on a workers.dev subdomain, so treat it as an indie service, not a bank. Everything beyond the landing page needs an account, so we have not tested the app itself. Good for: People who track spending through bKash and Nagad and want Bangla, shared wallets and budgets for free. Not good for: Anyone who needs a company-backed service with a formal privacy commitment before trusting it with financial records.
