Every rupee.
Tracked. Without lifting a finger.
Automatically.
Paste a bank SMS or upload a statement from any Indian bank — Spendkar parses, categorises, and tracks every rupee across your accounts. Your net worth, your pay-cycle, your privacy — never your bank login.
Two ways in.
Same result.
Watch a real bank SMS — or a PDF statement — turn into categorised transactions with no manual entry.
Watch it happen
live.
Every transaction lands, every number ticks, every chart shifts — automatically. No refresh.
Every screen,
crafted.
Real screenshots from the live app. Swipe to explore.
Built different.
Built honest.
Built for how you
actually spend.
Every feature exists because someone needed it. No fluff, no upsell, no dark patterns.
Three steps, then it’s
automatic.
We’re honest
about how it works.
Spendkar is a personal ledger, not a bank app. The trade-off: complete privacy in exchange for active participation.
We never touch your real bank.
Other expense apps connect to your bank via APIs. That’s how they auto-sync balances and fetch transactions in the background. Spendkar deliberately doesn’t. Your privacy is worth more than the convenience.
If you skip an SMS, that transaction won’t show up in Spendkar. Your in-app balance will drift from your real bank balance until you catch up. Easy fix: re-import a recent PDF statement anytime — we reconcile to your bank’s actual closing balance and add anything missed.
Your money is
your business.
Most expense apps in India sell data. We don’t. No ads, no third-party SDKs, no behavioural tracking. Encrypted in transit, isolated per user, deletable any time.
Read full privacy policy
Get on the
beta list.
Limited slots. Early access on Android & iOS, direct WhatsApp support, and your feedback shaping every release.