Spendly's on-device intelligence reads the bank, card and UPI alerts on your phone and turns them into balances, bills and answers. No typing, no bank login, and nothing leaves your phone.
Reads alerts from 60+ banks, cards, UPI apps & billers
Pick a message. Spendly finds the amount, merchant, account and date and files it in your ledger, all on your phone. OTPs and other non-financial messages are thrown away.
Rs.486.00 debited from a/c **2345 on 14-10-26 to VPA swiggy@icici (UPI Ref 429113562). Avl bal Rs.54,312.40
Sample messages for illustration. On your phone, Spendly does this for every alert without sending anything out.
Every transaction is logged from the SMS your bank already sends. You never enter an expense.
No net-banking password, no account linking, no account aggregator consent screens.
Parsing, storage and search all run on your phone. Your money data has nowhere else to go.
Spendly runs on the edge. Reading, understanding and answering all happen on your phone's own processor, so it works offline and answers instantly.
Type a question the way you'd say it. Spendly understands merchants, dates, amounts and categories, then works out the answer on your phone. It runs on the edge, so answers are instant, even offline.
Try a question:
Bills, subscriptions, budgets and balances, all built from the same SMS alerts.
Card statements, EMIs, electricity and broadband bills are picked up from SMS. Reminders go out 3 days before, 1 day before and on the day.
Axis card bill of ₹24,560 is due on 26 Oct
Axis card bill due tomorrow · min ₹1,250
Pay ₹24,560 today to avoid a late fee
Income in, spending out, and what's left, with dues and subscriptions counted in.
Every autopay and repeat payment in one list, with what it costs you per month and per year.
Categories and cash flow are worked out for you, and Spendly points out what changed.
You've spent 23% more than last month, mostly on food.
Travel is down ₹2,300 compared with September.
Savings, credit card limits and loans across all your banks.
Spendly warns you when your combined balance drops below ₹10,000, and flags it if your salary hasn't shown up by the 7th.
Your combined bank balance is ₹8,420. Consider reviewing upcoming auto-debits.
Check Accounts →We haven't detected a salary credit SMS for this month yet. Check your payroll or SMS inbox.
Rescan SMS →Each transaction gets a category from the merchant, so your ledger is always tidy.
Explore every screen with a sample dataset first, then switch to your own messages.
Most finance apps send your messages to their servers. Spendly does all the work on the device, and it has no server that could receive your financial data.
There's nowhere for your SMS, transactions or balances to go. They aren't uploaded, backed up or synced.
Free on Google Play. Sign in with your phone number.
Spendly can only read messages, never send them. Or start with demo data.
Allow Spendly to read SMS messages?
Run a clean full scan and your past alerts become balances, bills and a ledger in seconds.
Anything else? Read exactly what Spendly does with your data in the privacy policy.
Yes. Spendly is free to download and use, and there are no ads.
Your bank, card and UPI apps send an SMS for every transaction. Spendly reads those alerts to build your ledger automatically. It only keeps financial alerts. Everything else, including OTPs and personal messages, is ignored and never stored. Spendly cannot send SMS.
No. Parsing, storage and search all happen on your phone. Only anonymous crash reports and app-usage statistics are sent, so we can fix bugs. They never include message content, amounts, merchants or account numbers.
No. There's no bank login, no account aggregator and no net-banking password. Spendly works from the SMS alerts you already receive.
All major Indian banks and card issuers, including SBI, HDFC, ICICI, Axis, Kotak, IDFC First, IndusInd, Federal, Canara, PNB, Bank of Baroda and AU, plus UPI apps, wallets, FASTag, utilities, insurance and mutual fund alerts.
Everything Spendly does, from reading your bank SMS and understanding each transaction to answering your questions and spotting insights, runs on your phone itself (on the edge), not on a server. That's why it's private, works offline and answers instantly.
You type a question the way you'd say it, like “Swiggy last month” or “transactions above 1,000”. Spendly's on-device language engine works out the merchant, date range, amount and category, then calculates the exact answer from your local data. It runs offline, so it's instant and nothing leaves your phone.
Bill and EMI reminders 3 days before, 1 day before and on the due date; a reminder the day before a subscription renews; a low balance warning when your combined bank balance drops below ₹10,000; a salary check if no salary credit has arrived by the 7th; and a heads-up when you spend much more than last month.
Yes. Tap the sync icon and choose Clean full scan to re-read every banking SMS, or Incremental sync to pick up only new messages. You can also load a demo dataset to explore the app first.
Yes. Turn it on in Settings → Preferences.
Spendly is available on Android. iOS doesn't let apps read SMS, so automatic tracking isn't possible on iPhone.
Open Settings → Clear all stored data, or just uninstall the app. Since nothing is uploaded, that removes everything.
Install Spendly, allow SMS, and your balances, bills and spending show up on their own. Free, private, and no bank login.
GET IT ONGoogle Play