Spendly AI

Your SMS inbox already knows more about your money than any app you've installed. Bank alerts, UPI receipts, card statements, EMI reminders, autopay debits, subscription renewals, salary credits, insurance premiums, FASTag tolls and recharge confirmations all land there and get buried. Spendly reads that inbox, ignores the noise, and turns it into a finance dashboard you never have to maintain. No manual entry. No linking accounts. No sharing passwords. EVERYTHING YOUR INBOX ALREADY TELLS YOU • Balances across savings accounts, credit cards, wallets and UPI, updated from alerts sent by HDFC, ICICI, SBI, Axis, Kotak and other Indian banks • Every debit and credit as a clean transaction with merchant, category and account, searchable in seconds • Credit card statements with total due, minimum due and due date pulled straight from the SMS • Salary credits, refunds and cashbacks tracked as income, so you always know what came in this month • EMIs and loan instalments with their schedules, so you see what's committed before you spend • Autopay and e-mandate debits, so recurring charges never surprise you • Subscriptions like Netflix, Spotify, Hotstar and Prime detected automatically, with renewal dates and monthly cost • Insurance premiums and SIP debits recognised as what they are, not lumped in with shopping • Utility bills for electricity, broadband, DTH and mobile recharges with due dates • FASTag toll deductions and wallet top-ups on Paytm, PhonePe, Google Pay and Amazon Pay WHAT SPENDLY DOES WITH IT • A single balance overview across every account • Spending analytics by week, month and category, with a daily spend chart that shows your pace • Bill and EMI reminders 3 days before, 1 day before and on the due date • A subscriptions view that adds up everything recurring and flags what you may have forgotten • Smart search that answers questions like "how much on Swiggy last month", "latest salary credit" or "electricity bill due" BUILT FOR PRIVACY Every SMS is parsed on your phone. Your messages, transactions and balances are never uploaded and never leave the device. OTPs, passwords and personal chats are ignored and never stored. Uninstall the app and every trace is gone. The only thing Spendly sends anywhere is anonymous crash reports and usage statistics, which contain no message content and no financial details. WHY IT ASKS TO READ SMS Reading SMS is the only way to see these alerts. Spendly uses the permission solely to find and parse financial messages. It cannot send SMS and never transmits message content. Try demo mode first if you want to explore with sample data before granting any permission. MADE FOR INDIA Spendly is built around the message formats Indian banks, card issuers, UPI apps, NBFCs, insurers, telecom operators and billers actually send. If it's a financial message an Indian phone receives, Spendly is designed to understand it, and coverage keeps growing with every update. Spendly is not a bank and does not move money. It organises what your inbox already tells you.