Spend8: AI Money Manager

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In-app purchases

About this app

Spend8 is India's smartest AI expense manager that automatically reads your bank transaction SMS and turns every UPI payment, debit, or credit into a clean, organised spending tracker — with zero manual entry.

Whether you use PhonePe, GPay, Paytm, HDFC, SBI, ICICI, Axis, or Kotak, Spend8 instantly captures every UPI transaction, EMI, bill payment, and cash expense so you always know where your money goes.

No more guessing at month-end. No spreadsheets. No forgotten receipts. Just automatic income expense tracking that works while you sleep.

WHY SPEND8?

AI Assistant — Ask "How much did I spend on food this month?" and get instant answers
Auto SMS Detection — Reads 50+ Indian bank and UPI SMS automatically
Monthly Budget Planner — Set limits by category and get alerts before you overspend
Spending Analytics — Weekly and monthly charts, income vs expense overview
Voice Transactions — Say "Spent 500 on lunch" and it is logged hands-free
AES-256 Encrypted — All SMS data encrypted on your device, your key never leaves your phone
Works Fully Offline — No internet needed, cloud sync is optional
Zero Ads, Zero Data Selling — Ever

BUILT FOR INDIA

Spend8 is built specifically for Indians who receive bank transaction SMS daily — from UPI payments to ATM withdrawals, credit card bills to net banking transfers. No need to link your bank account. No sharing of credentials. No risk.
Spend8 is the transaction tracker that understands Indian spending habits, from a 10 rupee chai to a 10,000 rupee EMI.

KEY FEATURES

Money Manager and Expense Manager
Track daily, weekly and monthly spending in one place
Categorise expenses across Food, Travel, Shopping, Bills, Health and more
Set a monthly budget and monitor your limits in real time
View income vs expense summary at a glance
UPI and SMS Transaction Tracker
Auto-detects UPI, debit card, credit card, net banking and cash transactions from SMS
Supports HDFC, SBI, ICICI, Axis, Kotak, PNB, Canara, IDFC, Yes Bank, IndusInd and more
Works with PhonePe, Google Pay, Paytm, BHIM, Amazon Pay and all major UPI apps
Detects merchant name, amount and date instantly

AI Finance Assistant

Ask natural language questions about your spending in Hindi or English
Get weekly AI-generated spending summaries with actionable insights
Identify your top spending categories and where to cut back
Budget Planner and Bill Tracker
Plan your monthly budget with category-wise limits
Track all recurring bills and never miss a due date
Get reminders before payments are due

Privacy and Security

AES-256 encryption protects all SMS data on-device
SMS permission is completely optional, use manual or voice entry instead
Only bank and payment SMS are ever read, personal messages are never accessed
Delete all your data anytime from Settings
No third-party data sharing. No ads. No surprises.

WHO IS SPEND8 FOR?

Salaried professionals who want automatic salary and expense tracking
Students managing pocket money and monthly budget
Families tracking household expenses and shared bills
Freelancers monitoring income and business expenses
Anyone who does UPI payments and wants a smart transaction tracker
People who want a personal finance app without linking their bank account
Download Spend8 free today and see where your money really goes. The only finance app that combines a money manager, expense tracker, budget planner, bill tracker, and AI assistant — all in one private, secure, ad-free app made for India.

KEYWORDS -

money manager
expense tracker
expense manager
upi transaction
transaction tracker
spending tracker
monthly budget
income expense
budget planner
bill tracker
finance app
AI expense tracker
automatic expense tracking
personal finance app
spending analytics
category wise expense
weekly spending summary
household expense tracker
pocket money tracker
bank SMS tracker India
cash expense tracker
recurring bill tracker
budget alerts
bill reminders

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What’s new

What’s new in Spend8:

- New Rewards system with points, ranks, and progress badges
- Family Share to track shared spending together
- Borrowed and lent money tracking
- Receipt scanning for faster expense entry
- Edit and delete transactions anytime
- Improved app updates, billing, UI polish, and stability
- In app purchase bug fixes