Your money
stays yours.

What is spnd.?

spnd. is a money tracker for Android, made in India. When you pay by UPI, card or bank transfer, your bank sends you an SMS. spnd. reads that SMS and records the payment for you, so you can see where your money goes without typing anything.

You also get budgets, limits, card bills, charts and ask., which answers questions about your money. All of it works on your phone.

Why does spnd. need SMS permission?

Your bank already tells you about every payment by SMS. Reading those messages is how spnd. records payments automatically, without you entering anything.

It's your choice. You can turn SMS reading off any time in Settings → SMS Import, or use spnd. without it and add payments yourself.

What it reads, and what it never reads

spnd. only looks at messages from known bank senders, and only the ones about money moving.

Where your data is stored

Only on your phone. spnd. has no servers and no cloud. Your payments are kept in an encrypted database (AES-256) on your phone, and they are never uploaded, synced or sent anywhere.

Try it yourself: no internet needed

Don't just take our word for it. This takes two minutes.

1. 1
   Install spnd.From the Google Play Store, like any app.
2. 2
   Cut the internetTurn off Wi-Fi and mobile data, then turn on airplane mode.
3. 3
   Set spnd. upOpen it and finish setup. Your month appears from the bank SMS already on your phone.
4. 4
   Try ask.Ask “Where did my money go this month?” and it answers right away.

New bank SMS reach your phone when you turn airplane mode off again, and spnd. adds them then.

What we don't collect

No name, no age, no account. spnd. doesn't access your contacts, camera, microphone or location, doesn't collect usage analytics, and doesn't track you across other apps or websites.

Sharing

Never shared, never sold. Not to advertisers, analytics companies, other apps or anyone at all. Your data only leaves your phone if you choose to share a backup file yourself.

How it's protected

Besides the encrypted database, you can turn on a PIN or fingerprint lock. The app locks itself after 60 seconds in the background. You can block screenshots of your money screens, and spnd. warns you if your phone is rooted.

Backups and alerts

You can save a password-protected backup to your phone. Only your password can open it. If you forget it, nobody can recover it, not even us.

All reminders and alerts, like your daily summary, bill reminders and budget warnings, are created on your phone. No server sends them.

You're in control

Children and changes

spnd. is meant for people 18 and older. We don't knowingly collect anything from children.

If this policy changes, we'll update the date at the top of this page and let you know in the app.