Made in India · on Google Play

Every spend,
tracked for you.

spnd. reads your bank SMS and adds every UPI, card and bill payment by itself. Just open the app and see where your money went this month.

Get it on Google Play See how it works
Stays on your phone No sign-up No internet needed
About spnd.

Your bank already tells you every time you spend. spnd. listens.

Every UPI payment, card swipe and bill already arrives as an SMS. spnd. puts those messages together so you can see your whole month in one place. You don't type anything, and there's no account to make.

How it works

From one bank SMS to your whole month.

01

A payment happens.
Your bank texts you.

Chai, rent or a card swipe, your bank sends an SMS for each one. That's all spnd. needs.

02

It becomes a payment,
already sorted.

spnd. picks out the shop, the category, UPI or card, and the date. You don't do anything.

03

See where
the month went.

Every category in one place, biggest first. Tap a slice on the phone, just like in the app.

04

And what's
left to spend.

Your budget, today's spend, and how much is left till your next salary.

Features

Everything about your money. Nothing you have to type.

Budget from salary to salary

For most of us the month starts on salary day, not on the 1st. spnd. finds your salary date and runs your budget from one salary to the next, with today's spend and what's left always in view.

Budget cycle and budget card

Every card, separately

Each bank account and credit card has its own page, with what you spent on it.

Charts that answer

Tap a slice to see the payments behind it.

Spending chart

Limits that warn early

spnd. tells you at 80%, before you go over. Tap a limit to open it.

+ Add a limit

Refunds that count

Cancelled a ticket? The refund comes off the payment, so you see what you really spent.

Refund

Your money never leaves your phone.

No accountNo email, no OTP, no login. Install it and it starts working.
No serverWe don't have one. Your payments are saved encrypted on your phone.
Your spending stays yoursYour payments and messages never leave your phone. What you spend is nobody else's business.
See exactly how spnd. handles your data
Works offline

No internet needed.
Don't take our word for it.

spnd. has no server to talk to. It reads the SMS already on your phone and does all the work right there. Try it yourself.

  1. 1
    Turn on airplane modeWi-Fi and mobile data off.
  2. 2
    Open spnd. and set it upIt reads the bank SMS already on your phone.
  3. 3
    See your whole monthPayments, charts, budget, ask. Everything works.
  4. New bank SMS reach your phone when your signal is back, and spnd. adds them then.
spnd. premium

Go deeper into your money.

PREMIUM

ask. Your money, in plain words.

Ask the way you'd ask a friend. ask. answers from your own payments, on your phone, and tells you what it means in one line.

PREMIUM

Lifetime spending

See everything you've spent since you started using spnd., by year, category and card. Not just this month.

  • Every month side by side
  • Your biggest categories, ever
  • Per-account and per-card history
Charts

Works with the banks you use

SBIHDFC BankICICI BankAxis BankKotakHSBCCanara BankBank of BarodaUnion BankPNBBank of IndiaIDFC FIRSTIndusIndYes BankFederal BankRBL BankAU BankBandhan BankIOBKarur Vysya BankTelangana Grameena Bank
COMING SOON

spnd. web

Your spending on your laptop's big screen, straight from your phone. Built the spnd. way: private first.

● Phone connected
Questions

Before you allow SMS.

Something else? Write to spnd.support@gmail.com or chat with us on WhatsApp. A person reads every message.

Is it safe to let spnd. read my SMS?

spnd. looks for the messages your bank and card send when you pay. It turns them into payments on your phone and saves them encrypted there. Nothing is uploaded, because spnd. has no server to upload to.

Does it need internet?

No. Turn on airplane mode, set spnd. up, and everything works. New bank SMS reach your phone when your signal is back, and spnd. adds them then.

Which banks does it work with?

The big Indian banks and cards: SBI, HDFC, ICICI, Axis, Kotak, HSBC and many more, for UPI, debit and credit cards. If a payment from your bank is missed, mail us the SMS with the numbers hidden and we'll add it.

Do I need to make an account?

No email, no phone number, no OTP. Install it, allow SMS once, and your month is there.

What happens to my data if I uninstall?

It goes with the app. Your payments live only on your phone, so uninstalling removes them. There's no copy anywhere else.

Is there an iPhone version?

Not yet. iPhones don't let apps read SMS, and spnd. is built around your bank's messages, so it's Android only for now.

Know where every
rupee goes.

Install spnd. and allow SMS once. You're done.

Get it on Google Play