Unify Spend is a money manager that runs on the SMS alerts your bank already sends you. Every time money moves, your bank texts you the amount, the merchant and your balance. Unify Spend reads those transaction alerts and turns them into a complete spending record and budgets that keep themselves up to date - across every bank account and card you have.

It never connects to your bank, holds no banking credentials and cannot move money. The transaction alerts already in your inbox are the source, and they are enough to track where your money goes.

TRACK SPENDING AUTOMATICALLY FROM BANK SMS

• Your first import reads the bank alerts already in your inbox - so your history is complete from day one, not from the day you installed the app
• Each alert becomes a transaction: amount, date, merchant, bank and account
• Alerts from every bank flow into one combined history, in date order
• Repeated alerts are detected as duplicates, so nothing is counted twice
• Correct a misread transaction and the categories learn from you

BUDGETS THAT FILL THEMSELVES IN

• Set budgets by category or overall
• Spending read from your bank alerts counts against them automatically - no typing
• Alerts before you overspend
• Six-month trends and category breakdowns show where the money actually goes

ONE PICTURE, EVERY BANK

• See which bank and which account every transaction came from
• Name your accounts so "****7890" becomes "Salary account"
• Totals that finally cover everything, not one bank at a time
• Multiple currencies, converted to the one you actually think in

AN ASSISTANT THAT KNOWS YOUR MONEY

Ask in plain English and get an answer grounded in your own transactions: "How much did I spend on groceries last month?", "Am I over budget on transport?"

THE REST

• Export everything to CSV whenever you want it
• Add cash spending by hand

WHAT HAPPENS WITH YOUR SMS - PLEASE READ

• Unify Spend asks for SMS access only when you start the import, and explains what it reads before Android asks you.
• Your phone screens senders locally first. Messages from personal numbers, one-time passcodes and promotions are filtered out on your device and are never uploaded - anywhere.
• Only messages from senders that look like a bank or payment service, and that contain a transaction, are sent to our AI provider (Alibaba Cloud Model Studio) to read the amount, date and merchant.
• Account and card numbers are stripped out before a sender is checked.
• We store the transaction, not the message. The text of your SMS is never saved on our servers.
• Unify Spend never sends SMS and does not read messages as they arrive.
• Your data is never sold, and never used to train any AI model.

You can decline SMS access and keep your spending and budgets by hand - but automatic tracking from your banks' alerts is what Unify Spend is built for.

SUBSCRIPTION

Reading your SMS history and answering assistant questions uses AI, which costs us money per request, so those features are metered.

• Unify Spend Pro - auto-renewing monthly subscription with a monthly AI allowance
• Optional one-time credit packs; credits never expire
• New accounts get a one-time bonus covering the first import
• Cancel any time in Google Play. You keep access, and your remaining tokens, until the end of the period you paid for
• Everything that is not AI - budgets, categories, reports, export - is not metered

Price and renewal terms are shown in the app before you buy.

A NOTE ON ACCURACY

Unify Spend is a bookkeeping tool, not a financial adviser. Figures read from SMS can be misread - check anything that matters against your statement.

PRIVACY

Privacy policy: https://unify-spend.web.app/privacy.html
Terms of service: https://unify-spend.web.app/terms.html
Delete your account: https://unify-spend.web.app/delete-account.html

Questions, bugs, or a deletion request: support@innvente.com