SpendSense - Expense Tracker

SpendSense automatically tracks your expenses by reading bank and payment-app notifications on your device — no manual entry required. Just install, grant SMS access, and your transactions are categorized in real-time. Try every feature free for 30 days.

WHY SPENDSENSE

• Zero manual entry — bank SMS and payment-app notifications are auto-detected
• Smart categorization — an on-device ML classifier learns your merchants over time
• 100% private — your financial data stays on your device, encrypted with SQLCipher (AES-256)
• No ads. Ever.

CORE FEATURES

Real-time tracking — every transaction appears within seconds of the SMS or notification arriving
Smart budgets — set monthly category limits and get alerts before you overspend
Goals — save toward trips, gadgets, or emergencies with auto-progress
Splits — track shared expenses with roommates, friends, or family; settle up via WhatsApp or any messenger
Spending insights — see where your money goes by category, merchant, and time
Bill reminders — auto-detect recurring bills and subscriptions, get notified before due dates
Receipt attachments — snap a photo for any transaction
Daily and weekly summaries — quick recaps delivered via notification
Multi-currency — detects amounts in 50+ currencies from SMS, including USD, EUR, GBP, AED, SGD, and many more

PRIVACY FIRST

Your financial data is yours. SpendSense:
• Stores all your financial data in an encrypted database on your device (SQLCipher / AES-256)
• Never transmits raw SMS bodies anywhere — only extracted fields (amount, merchant, bank, timestamp)
• Shows no ads, uses no analytics or tracking SDKs, and shares no data with third parties
• Optional encrypted Google Drive backups (Premium) write to your own Drive — only you can read them

PREMIUM (OPTIONAL)

Unlock advanced analytics and cash-flow forecasts, encrypted Google Drive backups, unlimited custom categories and accounts, CSV/PDF exports, premium themes, group splits, and a home-screen widget with SpendSense Premium.

Every feature — including automatic SMS and notification tracking — is included free for 30 days. After the trial, a Premium subscription is required to continue automatic transaction capture; cancel anytime in Google Play.

PERMISSIONS EXPLAINED

• SMS — to detect bank and payment-app transaction messages (read-only, processed on-device, never transmitted)
• Notifications — to detect payments confirmed via Google Pay, PhonePe, Paytm, Amazon Pay, WhatsApp Pay, CRED, BHIM, MobiKwik, Freecharge, and bank apps (SBI YONO, HDFC, ICICI, Axis, Kotak)
• Location (optional) — to tag where each transaction happened; captured at the moment the SMS or notification arrives, never tracked continuously in the background
• Camera (optional) — to attach receipt photos

We never read personal SMS, social-media notifications, or any non-financial content.

STRONG INDIA SUPPORT

SpendSense has first-class support for the Indian banking and UPI ecosystem — HDFC, SBI, ICICI, Axis, Kotak, IDFC FIRST, IndusInd, Yes Bank, RBL, Bank of Baroda, PNB, Canara, Federal Bank, AU Small Finance, and many more, plus Google Pay, PhonePe, Paytm, Amazon Pay, WhatsApp Pay, and other UPI apps. It also works with any bank worldwide that sends transaction SMS in standard formats.

CONTACT

Privacy: https://aycreationit.github.io/privacy.html
Data deletion: https://aycreationit.github.io/delete-data.html
Support: info@aycreation.com