ispend

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About this app

ispend – AI Money Manager & Expense Tracker

Take control of your money with iSpend, an AI-powered personal finance and expense tracking app designed to help you track spending, plan cash, manage budgets, understand your spending habits, and manage shared expenses — all in one place.

💰 Automatic Expense Tracking

ispend automatically tracks your transactions using on-device bank SMS and alerts, helping you capture expenses quickly without manually entering every transaction.

Automatic expense tracking
SMS and alert parsing
Fast transaction detection
Categorized income and expenses
Complete transaction history
AI Cash Planning

Plan your money before you spend it.

ispend helps you understand your expected cash flow and make smarter financial decisions with predictive monthly cash-flow forecasting and liquidity planning.

Monthly cash-flow planning
Predictive cash forecasting
Better liquidity management
Plan upcoming expenses
Make informed spending decisions
📊 Smart Budget Management

Set budgets and stay ahead of your spending.

ispend provides adaptive budget guardrails and proactive alerts when your spending reaches important thresholds.

Category-based budgets
Smart spending limits
50%, 80%, and 100% threshold alerts
Monitor spending progress
Reduce unnecessary spending
📈 Spending Analytics & Insights

Understand where your money is actually going.

Analyze your spending patterns with categorized insights that help identify needs, wants, investments, and potential money leaks.

Spending breakdowns
Income and expense analysis
Category insights
Spending trends
Savings overview
Identify silent money leaks
👥 Groups & Bill Splitting

Managing shared expenses is easier with iSpend.

Create groups for roommates, friends, trips, family, or other shared expenses and keep everyone's contributions organized.

Create and manage groups
Split bills and expenses
Track member contributions
Shared expense tracking
Simplified settlements
Mathematical debt minimization
🏦 Chit Contribution Tracking

Keep a clear digital record of your personal chit contributions.

ispend provides an offline personal contribution ledger for tracking chit-related records.

Track chit contributions
Maintain contribution history
Monitor group and member records
Keep your financial records organized

Important: ispend is a digital record-keeping and bookkeeping tool. It does not process, hold, custody, or manage real funds.

🔐 Privacy & Security First

Your financial information deserves strong protection.

ispend is designed around privacy-first, on-device financial tracking.

Hardware-backed AES-256 encryption
OTPs and private messages are not processed or stored
Complete data deletion rights
Your financial information stays protected

⚡ One App for Your Money

With iSpend, you can:

Track → Plan → Budget → Analyze → Share → Save

Whether you're tracking everyday expenses, planning your monthly cash flow, managing budgets, analyzing spending habits, splitting bills with friends, or maintaining chit contribution records, iSpend brings your financial activities together in one intelligent app.

Why iSpend?

✓ Automatic expense tracking
✓ AI-powered cash planning
✓ Smart budget guardrails
✓ Spending analytics & insights
✓ Group expense splitting
✓ Bill and debt management
✓ Chit contribution tracking
✓ Privacy-first on-device processing
✓ AES-256 encryption

ispend — Track smarter. Spend better. Save more.

Learn more at www.ispend.in.

What’s new

iSpend – Release Notes
Version 2.0.2
We’re excited to introduce iSpend, your smart and simple financial tracking app!
What’s New in iSpend 2.0.2
*Bugs fixes
*Katha Books
*Track income and expenses with receipt uploads
*Set personalized budgets and get insightful spending analytics
*Create groups for shared expenses and income management
*Enjoy a smarter, faster, and easier money-management experience
*Added Chit Group feature and improved member-adding flow
Thank you for choosing iSpend!