SpendSense - Expense Tracker

SpendSense is an automatic expense tracker, money manager and budget planner built for India. It reads bank SMS and UPI payment notifications on your device and logs every transaction in real time — no manual entry, no bank account linking, no data upload. Works with HDFC, SBI, ICICI, Axis, Kotak and 100+ Indian banks, plus Google Pay, PhonePe, Paytm, Amazon Pay and every major UPI app. Try every feature free for 30 days.

WHY SPENDSENSE

• Zero manual entry — bank SMS and payment-app notifications are auto-detected in seconds
• Smart categorization — an on-device ML classifier learns your merchants over time
• 100% private — your financial data stays on your phone, encrypted with SQLCipher (AES-256)
• No ads. No tracking SDKs. Ever.

CORE FEATURES

• Real-time spend tracking — every debit and credit appears within seconds of the SMS or notification
• Smart budgets — set monthly category limits and get alerts before you overspend
• Savings goals — save toward trips, gadgets or emergencies with automatic progress
• Expense splits — track shared expenses with roommates, friends or family; settle up via WhatsApp or any messenger
• Spending insights — see where your money goes by category, merchant and time
• Bill reminders — auto-detect recurring bills, EMIs and subscriptions, get notified before due dates
• Receipt photos — attach a snap to any transaction
• Daily & weekly summaries — quick recaps via notification
• Multi-currency — detects 50+ currencies including USD, EUR, GBP, AED and SGD

PRIVACY FIRST

Your financial data is yours. SpendSense:
• Stores everything in an encrypted database on your device (SQLCipher / AES-256)
• Never transmits raw SMS anywhere — parsing happens fully on your phone
• Shows no ads, uses no tracking SDKs, shares no data with third parties
• Optional encrypted Google Drive backups (Premium) write to your own Drive — only you can read them

We never read personal SMS, OTPs are ignored, and non-financial notifications are never processed.

PREMIUM (OPTIONAL)

Unlock advanced analytics, encrypted Drive backups, unlimited accounts and custom categories, CSV/PDF export, premium themes, group splits and the home-screen widget. Every feature — including automatic SMS and notification tracking — is free for 30 days. After the trial, a Premium subscription (from ₹49/month, or ₹399/year ≈ ₹33/month) continues automatic capture; cancel anytime in Google Play.

PERMISSIONS EXPLAINED

• SMS — to detect bank and payment transaction messages (read-only, processed on-device, never uploaded)
• Notifications — to catch payments confirmed via Google Pay, PhonePe, Paytm, Amazon Pay, WhatsApp Pay, CRED, BHIM and bank apps
• Location (optional) — tags where a transaction happened; never tracks you in the background
• Camera (optional) — receipt photos

MADE FOR INDIA

First-class support for the Indian banking and UPI ecosystem — HDFC, SBI, ICICI, Axis, Kotak, IDFC FIRST, IndusInd, Yes Bank, RBL, Bank of Baroda, PNB, Canara, Federal Bank, AU Small Finance and many more. Also works with any bank worldwide that sends transaction SMS in standard formats.

CONTACT

Privacy: https://aycreationit.github.io/privacy.html
Data deletion: https://aycreationit.github.io/delete-data.html
Support: info@aycreation.com

Recent changes:
- Fixed a crash that could happen while scanning a large SMS inbox during setup
- Lifetime Premium owners now see the correct status and a working link to their purchase
- Stability improvements