spnd. - Smart Expense Tracker

spnd.

About this app

spnd. automatically reads your bank transaction SMS to track and categorize your daily expenses — no manual entry needed. Supports UPI, NEFT, IMPS, debit, and credit transactions across 19+ Indian banks.

spnd. is designed for people who want to understand where they spend their money — without giving their financial data to yet another company.

Your financial data never leaves your device. 100% offline. No sign-up. No cloud. No servers. Only YOU can see your data.


HOW IT WORKS
• Grant SMS permission during setup to enable automatic expense tracking
• spnd. reads your bank transaction SMS in real-time and extracts the amount, merchant, and payment method
• Each transaction is automatically categorized into spending categories like Food, Shopping, Transport, Bills, and more
• View your spending on a clean dashboard with charts and insights
• Manual entry is also available for cash and offline transactions

KEY FEATURES
• Automatic SMS tracking — Bank transaction SMS are read and parsed in real-time to track your expenses automatically
• Smart categorization — Transactions are sorted into 20+ categories based on merchant name
• Monthly spending overview — See total spend, daily average, and top categories at a glance
• Multi-account support — Track spending across all your bank accounts and credit cards
• Budget tracking — Set monthly budgets with customizable billing cycles and salary sync
• Manual entry — Add cash or offline transactions that SMS doesn't capture
• Merchant rules — Customize how transactions are categorized
• Charts and visual analytics for monthly spending trends
• Smart insights to help you understand your spending patterns
• Encrypted local database (AES-256 via SQLCipher)
• Dark mode and light mode
• Works fully offline — no internet required

PRIVACY & SECURITY
• Zero data collection — nothing is sent to any server, ever
• Reads ONLY bank transaction SMS — OTPs, personal messages, and promotional SMS are never read or stored
• Only you can see your data — no one else, not even the developer
• No analytics, no tracking SDKs
• PIN lock and biometric (fingerprint/face) authentication
• Screenshot and screen recording protection
• Root device detection warnings
• Works fully in Airplane Mode — verify it yourself

BACKUP & RESTORE
• Password-protected encrypted backup (.enc file)
• Save to and restore from your phone storage
• The developer has zero access to your data or backups

SUPPORTED BANKS
Works with 19+ Indian banks including SBI, HDFC, ICICI, Axis, Kotak, PNB, Bank of Baroda, Canara Bank, Union Bank, IndusInd, IDFC First, Yes Bank, Federal Bank, RBL Bank, Bank of India, IOB, Bandhan, AU Bank, and Karur Vysya Bank. Supports UPI, NEFT, IMPS, and RTGS transactions.

PERMISSIONS EXPLAINED
• SMS: Core feature — reads only bank transaction SMS to automatically track your expenses. OTPs, personal messages, and other SMS are completely ignored. Manual entry is available as a fallback if you prefer not to grant SMS access.
• Biometric: Optional app lock with PIN and fingerprint
• Notifications: Optional daily spending summaries

Your money. Your device. Your rules.