Spenthra: Expense Tracker

📊 Spenthra — Smart Personal Finance & Expense Tracker

Spenthra helps you truly understand where your money goes. It automatically reads your bank & UPI transaction SMS, tracks your expenses in real time, builds budgets, and gives you clear spending insights — without any manual entry.

Whether you spend via UPI, debit cards, credit cards, or bank transfers, Spenthra keeps everything organized for you so you stay in control of your money.

✨ KEY FEATURES

🎯 Real-Time Spending Awareness
• Detects transactions instantly from bank SMS
• Optional real-time overlay to categorize spending without opening the app
• Smart fallback to notifications if overlay is turned off
• Fully user-controlled toggle available in Profile settings

🔄 Automatic Transaction Detection
• Reads bank & UPI SMS automatically
• Intelligent AI-powered categorization
• Works with all major Indian banks
• Syncs securely across devices

💰 Smart Budget Management
• Set monthly budgets for spending categories
• Alerts at 80% / 90% / 100% spending
• Category-wise budget insights
• Daily and monthly spending summaries

📈 Powerful Analytics
• Visual charts and spending analysis
• Category-wise expense reports
• Monthly spending patterns & trends
• Export reports (CSV & PDF)

🔐 Privacy & Security First
• Bank-level security standards
• SMS data processed locally
• No sharing of personal data
• Transparent privacy policy

🔔 PERMISSIONS & TRANSPARENCY

📬 SMS Permission (Required)
Used only to:
• Detect bank and transaction SMS
• Extract amount, merchant & date
• Enable automatic expense tracking

You can revoke anytime. Manual tracking will continue to work.

🖼️ Overlay Permission (Optional)
Used only if you enable Real-Time Categorization:
• Shows an instant categorize pop-up
• Saves time & keeps context fresh
• Fully optional — notifications work if disabled

⚙️ Foreground Service (Conditional)
Runs only when Real-Time Categorization is enabled:
• Starts after transaction SMS is received
• Shows visible notification
• Stops automatically after task completes
• Helps sync data securely across devices

Triple-protected: Requires toggle ON + permission granted + device active.
Turn toggle OFF anytime to disable. App still works normally.

💪 WHY USERS LOVE SPENTHRA
✔ No manual expense entry
✔ Real-time money awareness
✔ Privacy-first design
✔ Optional instant categorization
✔ Works seamlessly for India
✔ Trusted by users every day

📧 Support: support@spenthra.com
🔒 Privacy: https://spenthra.com/privacy

Designed for India. Made in India 🇮🇳
SMS permission required for automatic expense detection.