Spend Tracker

Track every rupee — automatically or manually. Spend Tracker helps you manage your finances with smart budgets, daily spend reports, AI categorization, and optional SMS auto-import and real-time transaction alert.

SMART BUDGETS & MANUAL TRACKING

Set monthly budgets per category, add transactions manually, and track your spending — no SMS permission required. The app works fully without SMS access.

SUPERCHARGE WITH SMS (Optional)
Grant SMS permission to unlock automatic transaction import from 10+ Indian banks. Your banking SMS is filtered on-device — only financial messages are processed. Personal texts, OTPs, and promotional messages never leave your phone.

SUPPORTED BANKS

HDFC, ICICI, SBI, Axis, Kotak Mahindra, Yes Bank, IndusInd, IDFC FIRST, PNB, and more. Works with UPI payments, credit cards, debit cards, net banking, and wallet transactions.

KEY FEATURES
- Smart budgets — set limits per category with progress tracking. Get real time alerts whenever budget threshold hit
- Manual entry — Manage expenses manually by adding a transaction whenever it happens or you feel recording
- Optional SMS auto-import — transactions appear as SMS arrive
- Daily Spend Reports so that you can check your past day expenses
- Historical scan — import up to 180 days of past transactions
- AI categorization — spending auto-sorted into Food, Transport, Shopping, Bills, etc.
- Review queue — verify uncertain items with swipe gestures
- Multi-account support — track across bank accounts, credit cards, and wallets
- Transfer detection — self-transfers and investments excluded from spending totals
- Mandate tracking — monitor auto-debit authorizations and recurring payments
- Statements tracking - monitor credit card statements and due date from single dashboard


PRIVACY FIRST
- SMS filtered on-device — only financial messages sent to servers
- Personal texts, OTPs, and promos never leave your phone
- AI processes transactions but does not store your messages
- All data encrypted in transit and protected by per-user security
- Request account deletion anytime from Settings or by emailing support@myhudd.io

WORKS WITHOUT SMS
Spend Tracker is a complete expense tracker even without SMS permission. Add transactions manually, set budgets, track categories, and manage your finances. SMS auto-import is an optional enhancement.

PERMISSIONS
- SMS (Optional): Enable automatic transaction import from banking messages
- Notifications: To alert you about new transactions and budget limits

Note: Currently optimized for Indian banking SMS formats. Support for more regions coming soon.