Stop tracking expenses manually.

Most expense tracker apps expect you to enter everything yourself. That’s where people give up.

SpendByMe is an AI-powered SMS & email-based automatic money management app that tracks expenses, subscriptions, credit card bills, EMIs, and much more automatically.

Instead of manually entering transactions, SpendByMe analyzes transactional SMS messages, statement emails, receipts, and bank statements to organize your finances.

No spreadsheets. No daily effort. No confusion.
Just clarity.

Works with almost every major currency worldwide.

⚡ Track your money and log expenses instantly

1. Automatic SMS tracking
Automatically tracks transaction details from transactional SMS messages. No manual entry required.

2. Paste any transaction
Paste a bank message and it gets categorized and added instantly.

3. Manual entry
Add amount, merchant, and account. SpendByMe completes the rest automatically.

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🧠 Smart expense categorisation
• Automatically categorises your transactions
• Learns from your usage and improves over time
• Set custom rules for full control
• No need to fix categories again and again

💼 All your money in one place
• Bank accounts, credit cards, wallets, cash
• Automatic balance tracking
• One clean view of your finances
• Automatic currency conversion support.
No switching between apps. No guesswork.

💳 Smart credit card management
• Track credit card bills, due dates, and limits
• Monitor spending across multiple cards
• Understand your real credit usage
• Avoid missed payments and late fees

🔁 Subscription, loan & EMI tracker
• Detects subscriptions, EMIs, loans, and recurring payments
• Track upcoming payments and due dates
• Avoid missed payments and hidden charges

👥 Splits with friends & couples
• Split expenses with friends instantly
• Track shared expenses for trips and groups
• Manage couple expenses easily
• Send reminders in one tap

🏷️ Tags & sub-tags for better organization
• Organize transactions using tags and sub-tags
• Track reimbursements and shared payments
• Create trip budgets and event budgets
• Filter transactions exactly how you want

📍 Spending map & smart insights
• See where you spend money on a map
• Track location-based spending habits

📄 Upcoming payments & invoice tracker
• Track upcoming bills and payments
• Create and manage invoices

🎯 Budget planner & goal tracking
• Create budgets in seconds
• Track savings goals and financial targets

📊 Accurate financial tracking
• Separates expenses, income, and transfers properly
• Clean and reliable data
• Search any transaction instantly
• Real insights into your spending

🔍 Powerful search & insights
• Search transactions, tags, merchants, or notes instantly
• AI Insights
• Understand where your money goes

🔒 Privacy-first expense tracker
Your data stays yours.
• Everything stays on your device unless you enable sync
• Only transactional messages and emails are processed
• No chat access
• No unnecessary data collection

SpendByMe does not read personal chats, OTPs, or unrelated messages.

⚙️ Flexible & easy to use
Want full automation? It’s there.
Prefer manual control? That works too.

SpendByMe adapts to you.
🚀 Gets smarter over time
The more you use it, the better it becomes.
Better categorization. Better accuracy. Less effort.

💸 Take control of your money today

Download SpendByMe — your smart expense tracker, budget planner, subscription tracker, split expense app, EMI tracker, credit card manager, and automatic money management app.

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Additional Information