Balance app: Money Manager, Budgeting & Credit

Balance app is India’s first AI based Personal finance manager ideally suited for Salaried or Self employed. App provides a free to use feature rich like capturing your daily transactions automatically, Categorisation into different heads like Grocery, Bills, Credit cards etc. Most importantly, you can check your Total monthly spends and income, as well annual figures for past months once your app is configured. App requires permission to fetch your financial sms. Also check one of the best Bill payments platforms for making bill payments at no extra cost. Your Bills are automatically added and you can track past bills paid. Use a split bill feature to settle bills with your friends.

Key Features
1. Automatic Transaction Capture
The android app provides a unique feature to automatically sort your financial transactions in a proper sequence, without manually entering transactions or accessing bank accounts. No OTP or netbanking password is required, and your data is safe and always backed up on Cloud. For this feature to run, SMS read permission is required so that AI applications can automatically fetch and categorise according to a useful list. Simply click the Update button in My Transactions to get going.

2. Bill Payments
Manage all your bills on the app. Make direct payments to your Billers like Electricity, Telephone, Mobile postpaid, Insurance, Gas and many more, at no extra cost. Most importantly, your bills and payments get automatically added. Check past bills paid and get reminded of new incoming bills automatically on the app.

3. Categorisation
Your transactions are automatically categorised. You can see transactions sorted like Bill Payments, Amazon/Shopping payments, Credit cards payments etc, without you manually doing anything. Artificial Intelligence is used to interpret transactions that help users save manual effort of doing this. Also this helps you recall transactions if you might have forgotten in future.

4. Monthly and Yearly Total
You can now track your monthly Total spendings, earnings, investments, and more. Just click Update on My Transactions and it will automatically give you the total for the Month.

5. Bill splitting
This is a perfect tool for sharing the expenses with your friends. No select any bill and split it with one or many friends on the app. Your friend can also check the bill amount and keep a track of the same conveniently.

6. Budgeting
Set your budget and track it monthly to check your achievement vs the budget you had set. Budget better, build savings and reach your financial goals faster with Balance App.

7. Credit Management
Balance app provides a feature which is more than your usual Credit score. You can check your Credit score but also get a complete financial health check-up. You can also keep track record of your Credit score movement and check all the details of your current and past loans on the app in a very user-friendly format.

Also check host of other key free features like Check Your Account Balance, Set Reminders, Financial Calculators, Insightful learning series and more.

Why Balance app needs following permissions
Explanation: This is at the core of an automated expense manager, it automatically figures out the expenses from Bank transaction SMSs
Explanation: Required for KYC performance especially for Video KYC requirements
* READ_CONTACTS (Optional for Android O and above)
Explanation: Required before Android O to fetch your email to log in to the app.
Optionally, you can grant this permission if you use bill splits and payment features.
Explanation: Required for phone number verification for BHIM UPI.
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What's New

1. Minor bugs fixed.
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Additional Information

August 17, 2021
Current Version
Requires Android
5.0 and up
Content Rating
Interactive Elements
Users Interact, Unrestricted Internet, In-App Purchases
Offered By
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