Assistend: AI Money Assistant

Assistend

About this app

Assistend is an AI money assistant that reads your bank SMS to flag spending spikes, unusual activity and hidden charges. The UPI tracker, bills tracker, cashflow reminder and spending alerts help you monitor and control spending, and save money.

It works quietly in the background, makes sense of your finances, and tells you what's worth knowing — so you can stop tracking and start understanding.

# What your AI assistant does

Reads every transaction
- Picks up SMS from every bank account, credit card, debit card, UPI and wallet you use
- Adapts to format changes automatically — no setup, no maintenance
- Works on your phone with no bank login

Keeps your money tidy
- Auto-categorises spending into Food, Shopping, Bills, Transport, Travel and more
- Recognises transfers between your own accounts so they stay out of your spending totals
- Learns from you — change a category once, Assistend remembers
- Add your own custom categories to match how you think about money

Surfaces what matters
- Daily, weekly and monthly briefings help you monitor spending spikes, unusual activity, hidden bank charges and fees, and savings opportunities you'd miss on your own
- Reminders for bills, recharges, EMIs and subscriptions coming up — so cash flow never catches you off guard

Ask anything about your money
Get an instant answer in plain language:

- "Did I get that Amazon refund?" — Yes, it came in on the 12th.
- "Is my Jio recharge due?" — Next one's due on the 14th — about a week to go.
- "Did the electricity bill auto-debit?" — Doesn't look like it — nothing from BESCOM this month.
- "Do I spend more on weekends?" — About 40% more — mostly food and entertainment.
- "Am I spending more this month than last?" — ₹12,400 so far vs ₹9,800 at the same point last month.

The same assistant, everywhere you look
From your daily briefing to a category view to a quick question — it's one consistent assistant, with the full context of your money, ready to help.

# Everyday money tracking tools

- Clear dashboards for spending, income and savings each month
- Powerful search and smart filters across every transaction
- Add cash expenses, notes and manual entries when needed
- Split group expenses — only your share counts in your totals
- Subscriptions tracker for recurring payments and bills
- Fully customisable categories

# Privacy and security — built in

Built around your privacy from day one:

- Reads only transaction-related SMS — never OTPs, personal messages, or chats
- No bank login required — works entirely from SMS
- Your data is used only to power your experience
- Built with industry-standard security practices

# Why people choose Assistend

Most money manager and expense tracker apps stop at logging — they leave the thinking to you. Assistend doesn't. It reads your transactions, organises them, notices what matters, and answers anything you ask — like a personal accountant who actually understands your finances.

If you want a smarter way to track expenses, manage spending and actually understand your money — without turning it into another chore — Assistend is built for you.

Install Assistend
Start making sense of your money — quietly, effortlessly, on your terms.

What’s new

Improved onboarding experience. Guided flow for reviewing and updating categories.