Technology for a brighter tomorrow
Know your money.
Plan a brighter month.
Every rupee, accounted for. Expense Tracker turns the bank and UPI messages you already get into a clear record of your spending, warns you before a budget runs out, and never sends any of it anywhere.
- Clarity
- Control
- Privacy
App preview
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Top merchants, spending calendar and net worth -
Bank SMS, waiting for your review -
Nothing is added until you confirm -
Your year, by month and category
Your money never goes online
Expense Tracker holds no internet permission. Not "we choose not to upload": the app has no network access at all, so it cannot send your data anywhere, whatever any setting says. There is no account, no sign-in and no server. SMS messages are read on your phone, and only to find your transactions.
Features
Track
See where every rupee goes.
Detect
Bank SMS become entries you confirm.
Budget
Get warned before you overspend.
Plan
Bills, goals and the month ahead.
How Expense Tracker works
Track
Expenses, income and accounts in one place, sorted into 20 categories or your own. The dashboard shows your balance, budget, top merchants, a spending calendar, your net worth and a six-month trend. The yearly view shows how each month and category compares.
Detect
Allow SMS access and the app recognises debit and credit alerts from banks, cards, UPI apps and wallets, suggests a category, and waits for you to confirm. Promotions, one-time passwords and failed payments are ignored, and a message you've added or discarded never comes back. You can also scan a paper bill. Prefer typing? Everything works without SMS access.
Budget
Set a monthly budget and limits for any category, carry unused budget into next month, and get a notification when you reach 80%. The month-end forecast follows how you actually spend: what you've spent so far, plus a typical day of everyday spending for each day left. Rent and EMIs count once, not every day.
Plan
Recurring bills and salary, with a reminder two days before a bill is due. A monthly savings goal, money you've lent and borrowed, and statements whenever you want them: a PDF for any period, a CSV spreadsheet, or a full backup you can protect with a password.
What it will not do
- It does not connect to your bank. It reads only the SMS alerts your bank already sends you, and only if you allow it.
- It cannot move money. No payments, no transfers, no loans, no credit.
- It never sends, deletes or changes your messages, and it doesn't replace your SMS app.
- It adds nothing from your SMS by itself. Every detected transaction waits for your review.
- It gives no financial, investment or tax advice. Forecasts and insights are estimates from your own entries.
- It has no ads, no analytics and no advertising identifier.
A calmer month with money starts today.
Read the full Privacy Policy, or see exactly what is stored and how to delete it.