Spendly

Spendly is a personal finance app that turns your everyday spending into a clear, actionable picture of your money — budgets, insights, and an AI-powered monthly reflection, wherever you are.

BUDGETS & INSIGHTS
• Set monthly budgets per category, with warnings before you overspend
• See spending trends, category breakdowns, and month-over-month reports
• Bulk-categorize transactions with one tap
• Get insights grounded in your actual data, not estimates

SEE YOUR SPENDING ON A MAP
• Turn on the Location heatmap to build a live map of where your money goes
• Spot patterns — the place you spend at most, the neighborhood you eat out in
• Stays on your device — never uploaded, never synced

SMARTER MONTHLY REFLECTION
• A Kakeibo-style five-bucket review (Survival, Optional, Growth, Unexpected, Financial) each month
• AI-suggested cut plan: one category and a % to trim next cycle, so you're never guessing where to save

ALL YOUR ACCOUNTS, ONE PLACE
• Track savings, credit cards, and loans in your own currency
• Debt payoff planner shows the fastest and cheapest way to be loan-free
• Track insurance policies and premium due dates in one place

FAST TO LOG, SMARTER OVER TIME
• Quick manual entry takes seconds — amount, category, done
• In India, Spendly can also read bank & UPI SMS automatically for supported banks, extracting the amount and merchant so you don't have to type it in
• Learns from your corrections, so repeat merchants stop needing review

SECURE, AUTOMATIC CLOUD BACKUP
• Your data backs up automatically — a lost or new phone never means starting over
• Resumes exactly where it left off if interrupted
• Turn it off anytime from Settings if you'd rather keep everything local

PRIVATE BY DESIGN
• Any SMS or notification content is processed on your device — raw text is never uploaded
• Cloud backup stores only the transaction records you see, never your bank credentials
• Location data (if enabled) never leaves your device

Whether you're logging expenses by hand or letting Spendly read your bank SMS automatically, you get the same budgets, insights, and monthly reflection — built to make sense of your money, not just record it.