Spend8 is India's AI-powered expense manager that automatically reads SMS-based bank and UPI transactions, turning every payment into a clean, organized spending tracker with zero manual entry. It blends an AI assistant, on-device AES-256 encryption, and offline operation in an ad-free, privacy-first experience that doesn’t require bank linking. 100+ total downloads and 120 downloads in the last 30 days show growing user interest in this finance app built for India.
Pros & Cons
Privacy-first design with on-device processing and AES-256 encryption
Auto SMS detection supports 50+ Indian bank and UPI SMS messages
No bank linking required and an ad-free, no-data-selling experience
AI-powered natural language queries for quick spending insights
No direct bank account linking or multi-bank aggregation documented
Exports, PDFs, and traditional reports are not listed as features
Reliance on SMS data may miss transactions not delivered via SMS or not captured by SMS permissions
About Spend8: AI Money Manager
Spend8: AI Money Manager is a finance app developed by Erex softwares.
Download Statistics
Spend8: AI Money Manager has been downloaded 220 times. In the last 30 days, the app was downloaded 120 times.
User Ratings
The app has no ratings yet.
App Information
Spend8: AI Money Manager is FREE to download. The APK download size is 56.19 MB. The latest version available is 1.2.6. The last update was on May 4, 2026.
Technical Requirements
The app has a content rating of Everyone. The app has been available on Google Play April 2026.
Description
Spend8 is India's smartest AI expense manager that automatically reads your bank transaction SMS and turns every UPI payment, debit, or credit into a clean, organised spending tracker — with zero manual entry.
Whether you use PhonePe, GPay, Paytm, HDFC, SBI, ICICI, Axis, or Kotak, Spend8 instantly captures every UPI transaction, EMI, bill payment, and cash expense so you always know where your money goes.
No more guessing at month-end. No spreadsheets. No forgotten receipts. Just automatic income expense tracking that works while you sleep.
WHY SPEND8?
AI Assistant — Ask "How much did I spend on food this month?" and get instant answers Auto SMS Detection — Reads 50+ Indian bank and UPI SMS automatically Monthly Budget Planner — Set limits by category and get alerts before you overspend Spending Analytics — Weekly and monthly charts, income vs expense overview Voice Transactions — Say "Spent 500 on lunch" and it is logged hands-free AES-256 Encrypted — All SMS data encrypted on your device, your key never leaves your phone Works Fully Offline — No internet needed, cloud sync is optional Zero Ads, Zero Data Selling — Ever
BUILT FOR INDIA
Spend8 is built specifically for Indians who receive bank transaction SMS daily — from UPI payments to ATM withdrawals, credit card bills to net banking transfers. No need to link your bank account. No sharing of credentials. No risk. Spend8 is the transaction tracker that understands Indian spending habits, from a 10 rupee chai to a 10,000 rupee EMI.
KEY FEATURES
Money Manager and Expense Manager Track daily, weekly and monthly spending in one place Categorise expenses across Food, Travel, Shopping, Bills, Health and more Set a monthly budget and monitor your limits in real time View income vs expense summary at a glance UPI and SMS Transaction Tracker Auto-detects UPI, debit card, credit card, net banking and cash transactions from SMS Supports HDFC, SBI, ICICI, Axis, Kotak, PNB, Canara, IDFC, Yes Bank, IndusInd and more Works with PhonePe, Google Pay, Paytm, BHIM, Amazon Pay and all major UPI apps Detects merchant name, amount and date instantly
AI Finance Assistant
Ask natural language questions about your spending in Hindi or English Get weekly AI-generated spending summaries with actionable insights Identify your top spending categories and where to cut back Budget Planner and Bill Tracker Plan your monthly budget with category-wise limits Track all recurring bills and never miss a due date Get reminders before payments are due
Privacy and Security
AES-256 encryption protects all SMS data on-device SMS permission is completely optional, use manual or voice entry instead Only bank and payment SMS are ever read, personal messages are never accessed Delete all your data anytime from Settings No third-party data sharing. No ads. No surprises.
WHO IS SPEND8 FOR?
Salaried professionals who want automatic salary and expense tracking Students managing pocket money and monthly budget Families tracking household expenses and shared bills Freelancers monitoring income and business expenses Anyone who does UPI payments and wants a smart transaction tracker People who want a personal finance app without linking their bank account Download Spend8 free today and see where your money really goes. The only finance app that combines a money manager, expense tracker, budget planner, bill tracker, and AI assistant — all in one private, secure, ad-free app made for India.
KEYWORDS -
money manager expense tracker expense manager upi transaction transaction tracker spending tracker monthly budget income expense budget planner bill tracker finance app AI expense tracker automatic expense tracking personal finance app spending analytics category wise expense weekly spending summary household expense tracker pocket money tracker bank SMS tracker India cash expense tracker recurring bill tracker budget alerts bill reminders
Install Now
Recent changes: What’s new in Spend8:
- New Rewards system with points, ranks, and progress badges - Family Share to track shared spending together - Borrowed and lent money tracking - Receipt scanning for faster expense entry - Edit and delete transactions anytime - Improved app updates, billing, UI polish, and stability - In app purchase bug fixes
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Sms sync feature and AI summary works like a charm. Remomended
★★★★★Khedi· Apr 17, 2026
The app is great, to manage to expense auto sync from sms is fire.
Google Play Rankings for Spend8: AI Money Manager
This app is not ranked
Technologies used by Spend8: AI Money Manager
36 permissions
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Trust & Safety: The app emphasizes privacy with on-device AES-256 encryption and optional SMS access; there is no third-party data sharing and no ads. SMS permission is optional, and personal messages are not accessed. A broad set of permissions is requested for features like camera, microphone, and notifications, but SMS-based data access can be kept minimal by user choice.
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