Spend Sutra

sethigoldy

Contains ads

About this app

Spend Sutra tracks your spending automatically by reading the SMS and email alerts your bank already sends you — no manual entry, no linking your bank account, no handing your credentials to a third party.

PRIVATE BY DESIGN

HOW IT WORKS
Grant SMS access (or connect an email account that receives bank alerts) and Spend Sutra reads transaction alerts directly on your device — the last 30 days to start, then every new message as it arrives. Amounts, merchants, and categories are extracted and classified automatically using bank-specific templates, with an on-device AI model as a fallback for anything the templates miss. Nothing is ever uploaded — all reading and classification happens on your phone.

WHY IT'S DIFFERENT
• No bank login. Ever. — Spend Sutra never asks for net-banking credentials, card numbers, or OTPs. It only reads the alert messages your bank already sends.
• On-device AI, not the cloud — classification runs locally using a small on-device language model, not a server you have to trust.
• Works across banks and cards automatically — bank-specific SMS and email templates plus AI fallback mean new merchants get categorized without manual setup.
• Duplicate-safe — connect both SMS and email and Spend Sutra automatically catches and flags anything that shows up in both places, so nothing gets counted twice.

FEATURES
• Automatic transaction capture from SMS and/or email, per account and card
• Smart categorization that learns from your corrections
• Monthly and per-category budgets with 80%/100% alerts
• Spending trends, top merchants, and category breakdowns
• Upcoming bills and recurring-charge detection
• Large-transaction and unusual-spending alerts
• Duplicate and refund/cancellation handling — automatically reconciled
• CSV export for your own records
• Ask-your-spending chat — plain-language questions about where your money went
• Dark mode
• Encrypted local storage — your data is encrypted on-device and never leaves your phone unless you choose to back it up

PRIVACY BY DESIGN
Spend Sutra is built for people who want visibility into their spending without giving up control of their financial data. All parsing and categorization happens on your device. Your transaction history is encrypted locally. There is no server storing your financial data.

Built for India's banking and card ecosystem, with support for both INR transactions and foreign-currency (USD) purchases converted at the live rate for accurate totals.

What’s new

• Salary and refund credits are no longer counted as spending
• Better merchant names and categories, especially for UPI and Indian retail
• Live SMS alerts now work reliably on Android
• Your data survives a phone-to-phone transfer
• App Lock now hides the app in the recent-apps switcher
• Fewer, better-organized notifications
• Faster dashboard and syncing