SpendSense Pro
SpendSense Pro
Privacy first
How it worksiPhoneSupported banksPrivacyContactGet the app
SpendSense Pro for Android

An SMS expense tracker that stays on your phone

SpendSense Pro for Android turns the transaction alerts your bank, UPI apps and card issuers already send by SMS into categorised spending, on your phone. No bank login, no SpendSense account, no ads. It is free and in early access on Google Play.

Android · Early accessGoogle PlayiPhone · IndiaApp Store

How it works

  1. Step 1

    Allow SMS access

    Android asks once. SpendSense Pro uses it to read the transaction alerts your bank, UPI apps and card issuers send.

  2. Step 2

    Alerts become transactions

    Debits and credits are turned into transactions with an amount, account, merchant and category, on your phone.

  3. Step 3

    You confirm anything uncertain

    Messages the app is unsure about go to Review. When you choose to remember a correction, it can be applied next time.

  4. Step 4

    See where your money goes

    Spending by category, budgets, goals, accounts, cards, recurring payments and investments, plus home-screen widgets.

Permissions and why
SMS
Needed for automatic tracking

Reads bank, UPI and card transaction alerts.

Notification access
Optional

Picks up alerts from supported UPI, bank, wallet and card apps when an SMS is missing.

Notifications
Optional

Lets SpendSense Pro send you reminders and alerts.

Location
Optional, off by default

Tags new transactions with where they happened.

Biometrics
Optional

Locks the app with your fingerprint or face.

Internet
Used for a few lookups

Exchange rates, mutual-fund prices and your optional Google Drive backup.

Not added to your spending
  • OTPs
  • Promotional messages
  • Notifications from unrelated apps
When it goes online

Your optional Google Drive backup sends your SpendSense data to your own Drive. Apart from that, the app goes online only for exchange rates (European Central Bank), mutual-fund prices (AMFI) and app updates from Google Play, and those requests do not include your transactions.

What you get
  • Automatic tracking from bank, UPI and card SMS
  • Bank statement import
  • Category budgets and savings goals
  • Recurring payment and subscription detection
  • Mutual-fund values from AMFI prices
  • Multi-currency amounts with exchange rates
  • Home-screen widgets
  • Optional backup to your own Google Drive

The public support matrix tracks 22 banks (11 with approved samples), 7 credit-card issuers and 5 payment rails, with a rating and notes for each.

Supported banks Privacy policy Questions