Paisa Tracker

Stop typing out every expense. Paisa Tracker reads your bank's transaction SMS and turns them into a clear picture of where your money goes — automatically, privately, and for free.

Every time your bank sends a debit or credit alert, Paisa Tracker captures it, categorises it, and updates your budgets in seconds. No receipts. No spreadsheets. No manual entry. You just live your life — the app does the tracking.

✦ WHY YOU'LL LOVE IT

• Fully automatic — bank transaction SMS become organised, categorised expenses on their own
• Real insights — see your top merchants, spending trends, and where your money actually goes
• Smart budgets — set limits per category and get alerted before you overspend, not after
• Burn-rate view — know if you're on track to overshoot the month while there's still time to act
• Calendar heatmap — spot your high-spend days at a glance
• Bank & category breakdowns — every account and every category, clearly separated
• Your money personality — fun, honest insight into your spending habits

✦ BUILT FOR INDIA

Works with SMS from major Indian banks — HDFC, SBI, ICICI, Axis, Kotak and many more. UPI, cards, netbanking — if your bank texts you, Paisa Tracker tracks it.

✦ PRIVACY IS THE POINT

Your financial life is nobody else's business — and we mean it:

• Only bank transaction SMS are read. Personal messages, OTPs and promotions are filtered out on your device and never touched.
• Your data is encrypted in transit, and sensitive details are encrypted at rest.
• No ads. No selling your data. Ever.
• Lock the app with a PIN or fingerprint.
• Delete your account and all your data anytime, in one tap.

✦ COMPLETELY FREE

No subscriptions, no paywalls, no hidden costs. Just clarity on your money.

Take control of your spending without lifting a finger.
Tracks itself. So you can live yours.

Recent changes:
Your spending sorts itself out better now.

• Sharper categories — we improved how bank SMS are read, so merchants and categories are far more accurate
• New Fix tab — categorise a whole merchant in one tap instead of one at a time
• A weekly nudge when transactions are waiting to be sorted
• Use your own custom categories when adding a transaction by hand
• Navigation bar and app version display fixes

Tip: re-sync your SMS from Settings to apply the better categories to past transactions.