GangSagar/expenses-tracker-app ? reverse-engineered prompt

Build me an Android expense tracker app that works fully offline and keeps everything on the device.

It should read supported bank SMS messages and payment notifications, figure out the amount, merchant, account, payment type, and whether it was money in or out, then save it into a local ledger. I want a clean dashboard for balances, recent transactions, spending categories, and monthly trends, plus a way to search and filter by date, category, account, and payment mode.

Please also include basic privacy and security, like a PIN lock, biometrics, and hiding sensitive data in the app switcher. If possible, add simple bill splitting and repayment matching too. Make it feel polished on Android, with a modern mobile UI, and keep the data in SQLite with no cloud syncing. If you need anything unclear, look up the current React Native and SQLite docs online before you implement it.