Long story short - I wanted to track expenses using bank SMS but couldn't find an app that didn't send that data to their servers.

So I built one.

Why I got paranoid:

Your bank SMS has your account number, balance, every merchant you've paid, every UPI ID.

It's basically a complete financial fingerprint.

Most popular expense apps ask for SMS permission and quietly upload all of that to their servers for parsing.

Read the privacy policies - it's in there.

I'm a developer so I just built something that doesn't do that.

How it's different:

SMS parsed entirely on your phone - turn airplane mode on, still works. That's your proof.

No account, no sign-up, no server.

Data stays on your device in a local database.

Backup goes to your own Google Drive - I have zero access to it.

50+ Indian banks supported (HDFC, ICICI, SBI, Axis, Kotak and more)

Important -

It doesn't auto-add expenses silently. When a bank SMS comes in, the app shows you a draft. You review it, edit anything - category, tag, note, payment method - then tap add. Nothing gets logged without you seeing it first. The SMS parsing just removes the boring part of typing it all out.

Why it helps:

Do this for a month and you'll have a clear picture of exactly where your money went - category breakdowns, budget alerts, monthly trends, spending heatmap. That visibility alone changes how you spend.

Why I'm posting here:

I use it daily but I'm one person with a couple of banks.

Would love feedback from this crowd specifically:

Does SMS parsing work for your bank?

What's missing that would make you actually stick with it?

Core features are free.

There are ads — felt more honest than a subscription or selling your data.

Play Store: trackmyspend.app.playstore.url

Happy to answer anything about how it works under the hood.