Unspend is a FREE expense tracker that turns the payment alerts your bank already sends you into a simple budget, right on your phone. No typing, no sign-up, no bank login. It even works with Wi-Fi and mobile data switched off.

🤔 WHY DOES IT ASK FOR SMS?
Typing every expense is a chore, so most budgets don't last. But after every payment your bank already texts you the amount, the payee and your balance. Reading those alerts is the only way to track automatically without asking for your bank password.

🔒 HOW YOUR MESSAGES STAY SAFE
• Only bank, card and UPI alerts are read. Personal chats, OTPs, offers and messages from phone numbers are ignored
• Everything is read and stored on your phone, encrypted with AES-256. There is no Unspend server and no account
• Works fully offline: turn off Wi-Fi and data and it keeps recording
• Ads in the free version never receive your messages or money data
• Turn SMS access off any time and keep adding entries by hand

💸 FREE AUTOMATIC TRACKING
• Debits and credits from 120+ banks and wallets: UPI, cards, NEFT/IMPS and ATM
• Shops you've tagged before are filed automatically. People are asked each time, since they can pay you for anything
• New accounts wait for your OK and aren't counted until you choose: Mine, same as one of your accounts, or Not mine
• Quick add bubble: type "250 auto yesterday" or say it
• Duplicate alerts are merged, so nothing is counted twice
• Alerts in English, Hindi, Tamil, Bengali, Arabic, Spanish and more; payments abroad are converted

🎯 FREE DAILY LIMIT
• Every account balance at a glance, then what you can safely spend today
• Rent, EMIs, bills and savings come off first
• Streaks and badges for every day within your limit

🏦 FREE DEPOSITS & LOANS
• FDs, RDs and loans found in your SMS: pick FD or RD, and the start date, instalments and interest are filled in
• Interest earned so far, maturity value, EMIs left

💳 FREE CARDS, BILLS & PEOPLE
• Card usage and due dates, bill reminders, money friends owe you
• 30+ ready-made categories, including Insurance, Loans & EMI, Kids, Pets and Fitness

🔁 FREE SUBSCRIPTIONS, GOALS & CALENDAR
• Everything that renews by itself and its yearly cost, with a warning if it charges after you cancel
• Savings goals: see what to put aside each month
• Bill calendar: every bill, EMI and card payment in one view
• Net worth and FinScore history, saved on your phone

📱 FREE EXTRAS
• FinScore, for working professionals and freelancers: one score out of 100 for how financially stable you are, from 13 weighted parts including savings, EMIs, loans, cards, deposits, insurance and debts. Not a credit score
• See the original bank message behind any payment or deposit
• Tip of the day: one feature you haven't tried, once a day
• Seven home-screen widgets, including type or speak to add, dark themes, 11 languages
• App lock, hidden amounts, encrypted backups (by hand or automatic)
• Last 3 months of analytics and top saving tips

✨ OPTIONAL PREMIUM
• No ads
• Full history, Trends, Payees and Investments
• "Can I afford it?" EMI check against your real budget
• Unlimited people, cards, bills and budgets
• CSV and PDF reports for any period

The free version shows at most 2 ads a day, never banners, and none in your first week.

Unspend reads SMS only to detect bank transactions. No SMS or financial data is ever uploaded or shared.

**Category:** Finance
**Tags:** expense tracker, budget, money manager, offline, private, bill reminder
**Contains ads:** Yes · **In-app purchases:** Yes
**Website:** https://unspend.netlify.app/
**Privacy policy:** https://unspend.netlify.app/privacy