An expense tracker that fills itself in.
Your bank already texts you about every rupee you spend. Spendly reads those alerts on your phone and turns each one into a ledger entry with the merchant, amount, account, category and balance.
GET IT ONGoogle PlayWhat you get
- Debits, credits, UPI payments, card swipes, ATM withdrawals and refunds
- Merchant, account, category and reference number picked out automatically
- Balances for every bank account, credit card and loan in one place
- Filter by debits, credits, salary or EMIs, and search by merchant, reference number or note
- Tap any entry to see the original SMS it came from
No typing, no spreadsheets
Most expense apps stop being useful the week you forget to log something. Spendly needs no input from you. When the bank sends an SMS, the transaction shows up in your ledger with the right category.
Works with the banks you already use
Spendly recognises alerts from SBI, HDFC, ICICI, Axis, Kotak, IDFC First, IndusInd and other major Indian banks, plus credit cards, UPI apps like Google Pay, PhonePe and Paytm, wallets, FASTag and billers.
Your messages stay on your phone
SMS parsing happens entirely on your device. OTPs, promotions and personal conversations are skipped and never stored, and none of your financial data is uploaded.
Common questions
Do I have to enter expenses manually?+
No. Spendly builds your ledger from the transaction SMS your bank, card issuer and UPI apps already send you.
Does Spendly need my net-banking login?+
No. There is no bank login, account linking or account aggregator. Spendly only reads SMS alerts on your phone.
Your money, finally organised.
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