Balance - Expense Tracker

Balance is a simple expense tracker and money manager built for India. It logs your spending automatically from bank SMS and UPI payment alerts, scans bills and UPI screenshots with AI, plans a monthly budget, and shows exactly where your money goes - without giving any bank login. AUTOMATIC EXPENSE TRACKING FROM BANK SMS Turn on Bank SMS and every debit SMS from your bank - UPI, card, net banking, ATM - becomes an expense with the amount, merchant, account and time filled in. Confirm it in one tap or ignore it. Import past bank SMS to build your spending history from day one. Works with SBI, HDFC, ICICI, Axis, Kotak, Federal Bank and other Indian banks. UPI PAYMENT ALERTS Allow notification access and Balance also picks up payments from GPay, PhonePe, Paytm and your bank apps. You choose which apps it listens to. SCAN RECEIPTS & UPI SCREENSHOTS Snap a bill, receipt, or GPay / PhonePe / Paytm screenshot. Balance reads the merchant, amount, and date in seconds and adds the expense for you. EXPENSE TRACKER & DAILY SPENDING Log expenses and income in two taps. Every transaction is auto-categorised - food, groceries, fuel, rent, shopping, bills, EMI and more. BUDGET PLANNER & MONTHLY REPORTS Set a monthly budget and category budgets. Clear charts show spending by category, merchant, and account, with month-over-month trends. SUBSCRIPTIONS & BILL REMINDERS Balance detects recurring payments - Netflix, Spotify, rent, EMIs, phone recharges and reminds you before bills are due. MULTIPLE ACCOUNTS & NET WORTH Track bank accounts, cash, credit cards and wallets in one place. See your available balance and net worth at a glance. SPENDING NUDGES Get a timely nudge when you are about to overspend, so you stay within your budget. PRIVATE BY DESIGN • No bank login or net banking password needed • Reads only bank transaction SMS - personal messages and OTPs are ignored • SMS and notifications are parsed on your phone; only the amount, merchant, type and time are saved • SMS capture is optional - turn it off anytime • No ads, no data selling • Encrypted sync across devices, works offline WHO IS BALANCE FOR? Students, salaried professionals, freelancers, couples and families who want a simple budget app and expense manager in ₹ INR. Download Balance - the easiest way to track expenses, save money and stay on budget. Website: https://balanceapp.in