Typing every expense doesn't last.
A chai here, an auto there. Logging each one by hand is a chore, so most budgets are abandoned within a week.
Free expense tracker for Android · now in beta
Know where your money goes.
Know where your money goes.
Without typing a thing.
Every time you pay, your bank sends you a payment alert. Unspend turns those alerts into a simple budget, right on your phone, for free. No sign-up, no bank password, and nothing is ever uploaded.
Free forever
Works with the internet off
No sign-up, no bank login
Encrypted on your phone
First, the honest part
Why does a budget app ask to read SMS?
Fair question. Here is the reason, the worry, and exactly what we do about it.
Your bank already writes it down.
After every payment your bank texts you the amount, where you paid and your balance. Reading those alerts is the only way to track automatically without asking for your bank password.
"An app reading my messages?"
That worry is healthy: messages are personal. So Unspend is built so your messages can't go anywhere. Here's how.
Messageswhat Unspend sees
Mom
Dinner at 8? Get curd on the way
IgnoredVM-HDFCBK
Rs 450.00 spent on A/c XX7788 at ZOMATO
Read on phoneAD-BANKOTP
482913 is your OTP. Do not share it.
IgnoredJM-SBIUPI
A/C X4521 debited by 120.00 to Rapido
Read on phoneAX-OFFERS
Flat 60% off this weekend only!
Ignored
What it reads
Bank alerts only. Everything else is ignored.
- Reads: payment alerts from banks, cards and UPI apps: the amount, who was paid, the last 4 digits of the account and the balance.
- Ignores: personal chats, OTPs, offers and promotions, and any message from a normal phone number.
- Never asks for: your bank login, PIN, card number, contacts or location.
- You stay in charge: switch SMS access off any time in Android settings and keep adding entries by hand.
How we keep it safe
What happens to a bank alert, step by step.
Everything below happens on your phone. There is no Unspend server, so there is nowhere for your data to go.
💬Alert arrivesYour bank texts you, as it always does
📱Read on your phoneAmount, payee and account picked out
🔐Saved, encryptedAES-256, key locked in Android's Keystore
☁️Uploaded? Never.No server, no account, no cloud copy
🚫
No account, no server
No sign-up, no email, no bank connection. We can't see, sell or leak what we never receive.
🔐
Locked on the phone
The database is encrypted. Add an app lock, hide amounts until your fingerprint, and block screenshots.
📺
Ads never see your data
The free plan shows at most 2 ads a day from Google AdMob. Ads get no SMS, amounts or payees. Premium has none.
🗑️
Delete it any time
Clear everything in one tap, or uninstall: your data goes with the app. Backups are files only you can open.
Proof, not promises
Turn the internet off. It still works.
A real, unedited screen recording: Wi-Fi and mobile data are switched off, a bank alert arrives, and Unspend records it, files it and counts it. With nothing to connect to, nothing can be uploaded.
Try it yourself in 30 seconds
- Turn off Wi-Fi and mobile data. Leave aeroplane mode off so SMS still arrive.
- Make a small payment, or wait for any bank alert.
- Watch it appear in Unspend. Analytics, your daily limit, backups: everything keeps working.
The free plan only goes online to load ads, and Google Play handles purchases and updates. None of them receive your messages or money data.
How it works
Set it up once. Then just live your life.
📲
Install & pick your accounts
Say which accounts are yours. New ones wait for your OK and aren't counted until you say so.
👆
Pay as usual
Known shops and people are filed for you with a quiet notification. New ones take one tap.
🎯
Know what you can spend today
Your balance, minus bills and EMIs still due, spread over the days left.
See it in action
The whole app in 95 seconds.
Real screen recordings with demo data, including the internet-off test. No mock-ups.
Features
Everything your money needs.
Everything your money needs.
Almost all of it free.
Free
💬
Automatic SMS detection
Debits and credits from 120+ banks, cards and wallets, in any currency. OTPs, offers and spam are ignored.
Free
👆
Files itself New
Shops and people you've tagged before are filed automatically, with a notification to change it. New ones take one tap.
🔒
Encrypted, and it never leaves your phone New
Your data is stored with AES-256 encryption, the key held by Android's Keystore. No account, no servers, no cloud. Amounts stay hidden until you unlock, and you can block screenshots too.
🏦
FDs, RDs & loans New
See what each deposit is worth today, its interest and maturity date, and for loans the outstanding, EMIs left and interest still to pay. Unspend finds the ones you already have in your bank SMS, and reminds you before maturity and EMIs.
🎯
Daily safe-to-spend
From your real balance, minus what's still due. Moving money to savings is never counted twice. Keep a streak going.
💡
Insights on Home New
Your two most useful tips up front: spending pace, bills due this week, FDs maturing, what a loan prepayment would save.
💳
Accounts & cards
Each bank gets its own page with balance, spending and trends. Cards are told apart from accounts, and you can always correct the type.
🔄
Automatic backups New
Encrypted backups daily, weekly or monthly to a folder you pick. Nothing is uploaded.
🧾
Bills, cards & people
Reminders for bills and card dues, per-person budgets and money owed to you.
📱
Widgets, 11 languages
Six home-screen widgets, dark themes, any currency, and 11 languages including Hindi, Tamil and Arabic.
📈
Deep analytics & "Can I afford it?"
Full history, trends, payees and investments, every saving tip, CSV & PDF reports, and an EMI check against your real spending.
✏️
Quick add bubble New
Paid cash? Tap the bubble and type "250 auto yesterday", or say it. Amount, payee, date and category are filled in on your phone.
🧐
New accounts wait for you New
An alert from an account you haven't saved is kept aside and not counted until you choose: Mine, same as one of your accounts, or not mine.
Real screenshots
Take a look inside.
Captured straight from the app. Drag or scroll sideways, and tap any screen to enlarge it.
Private by design
Free, private, and yours alone.
No servers, no accounts, no bank connections. We can't see, sell or leak your data, because we never have it.
🔐
Encrypted on the phone
AES-256 (SQLCipher), with the key held by Android's Keystore.
🚫
No account, no login
No sign-up, no email, no bank credentials.
💾
Backups only you can open
Encrypted with your own key and saved where you choose.
📺
Ads never see data
At most 2 ads a day on the free plan, never banners, none in week one.
Sell your dataRead personal chatsRead OTPsAsk for bank loginsUpload SMSShare with lenders
Free vs Premium
Free forever. No trial, no card.
Free
₹0 free forever
- Automatic tracking, auto-filing, quick add, daily limit & widgets
- FDs, RDs, loans, accounts and cards
- Encryption, app lock, manual & automatic backups
- Last 3 months of analytics · top 3 saving tips
- 3 people · 2 credit cards · 5 bills · 3 budgets
- At most 2 ads a day, none in week one, no banners
OPTIONAL
Premium
Monthly
or yearly
or yearly
- No ads, ever
- Full history, trends, payees & investments
- Every saving tip, with what it saves
- "Can I afford it?" EMI planner
- Unlimited people, cards, bills & budgets
- CSV & PDF reports for any period
On both plans your data stays on your phone. Payments are handled by Google Play.
FAQ
Good questions.
Is Unspend really free?
Yes. Automatic tracking, auto-filing, quick add, the daily limit, deposits and loans, widgets, encryption and backups are free forever, with no trial and no card. Premium is optional and adds deep analytics, reports and no ads.
Does it read my personal messages or OTPs?
No. Only payment alerts from banks, cards and UPI apps are used. Chats, OTPs, offers and messages from normal phone numbers are skipped, and nothing is sent anywhere.
Does it work without internet?
Yes, fully. Turn off Wi-Fi and mobile data and everything keeps working: new alerts are recorded, and analytics, your daily limit and backups all work. See the recording above.
Can anyone at Unspend see my transactions?
No. There are no servers and no accounts. Your data lives only in the app's private storage, encrypted with AES-256, and Android's cloud backup is switched off for it.
Then why does it have internet permission?
Only for the free plan's ads (Google AdMob), and for Google Play purchases and updates. None of them receive SMS or financial data. Premium shows no ads.
What if a family member's account sends alerts to my number?
New accounts wait on Home and aren't counted until you choose. Mark it "Not mine" and its alerts are ignored from then on.
How do I add FDs, RDs and loans I already have?
Open Deposits or Loans and tap Find in my SMS. Unspend finds bookings, instalments and EMIs on your phone. You pick FD or RD, and the start date, instalments and interest are filled in.
What if I forget my backup key?
It can't be recovered, by you or by us, so pick one you'll remember.
Which banks are supported?
120+ banks, card issuers and wallets: all major Indian banks plus Paytm, PhonePe and Google Pay, and banks across the Gulf, Asia, Europe, the UK, the US and Africa.
Is there an iPhone version?
No. iOS doesn't let apps read SMS, so Unspend is Android-only (Android 9 and newer).
Try Unspend free.
Unspend is in testing on Google Play. It's free to join: get every update first and help shape what comes next.
🔒 No account, no sign-up. Your data stays on your phone from day one.
- Email us the Google account you use on your Android phone.
- We add you to the tester list, usually within a day.
- Open the testing link, tap "Become a tester", then install from Google Play.