SpendSafe – Expense & Budget
Creation Unicorn Finance
Auto SMS + Voice expense tracker. No bank login. 100% offline & private!
- Downloads
- 308+
- on Google Play
- Price
- Free
- No in-app purchases
- Updated
- Oct 21
- 2026 · v1.1.32
Screenshots
About SpendSafe – Expense & Budget
💰 SpendSafe – India's Most Private Expense Tracker & Budget App
Track expenses in 3 ways: Auto SMS capture, Voice input, or Manual entry. No bank linking. No ads. No subscriptions. Your data stays on YOUR phone — forever.
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
🚀 3 WAYS TO ADD EXPENSES
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
1️⃣ AUTO SMS TRACKING (NEW!)
✅ Auto-captures UPI, card & bank transactions from SMS
✅ Recognizes 50+ Indian bank formats
✅ AI auto-categorizes expenses
✅ Review before saving — full control
✅ 100% on-device parsing — zero upload
✅ Toggle ON/OFF anytime
2️⃣ VOICE INPUT — SPEAK TO ADD
✅ "Spent 500 on groceries" — Done!
✅ Hindi & English voice support
✅ Fastest hands-free expense logging
✅ Perfect while commuting or shopping
3️⃣ MANUAL ENTRY — 3 SECONDS
Tap + → Type amount → Pick category → Done
Never manually track again with SMS automation, or use voice when your hands are busy. You choose!
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
🔒 WHY SPENDSAFE IS DIFFERENT
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
Most budget apps want your bank password, sell your data, or charge ₹800/month. SpendSafe does NONE of that.
✅ Zero bank linking — ever
✅ Zero cloud upload — ever
✅ Zero ads — ever
✅ Zero subscription for core features
✅ Works 100% offline
✅ No account required
Your money data is YOURS. We never see it, store it, or sell it. India's first truly privacy-first personal finance app.
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
📊 POWERFUL BUDGETING FEATURES
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
💳 MULTIPLE WALLETS
Track Cash, UPI, Debit Card, Credit Card separately. See real total balance instantly.
📊 SMART BUDGETS
Set monthly limits per category. Get 80% alerts. Never overspend with color-coded progress bars.
🎯 SAVINGS GOALS
"Emergency Fund ₹50K" or "Goa Trip ₹30K". Track progress daily. Celebrate wins.
📄 PDF REPORTS
Generate beautiful monthly financial reports. Share with family or save for records — all offline.
🔁 RECURRING EXPENSES
Auto-add Netflix, rent, electricity monthly. Never forget fixed bills.
💡 AI INSIGHTS
"You spend 40% more on food on weekends." Real data that helps you save smarter.
📸 RECEIPT PHOTOS
Attach photos to expenses. Never lose warranty cards or bills.
📈 VISUAL CHARTS
Category pie charts, daily/weekly/monthly trends, income vs expense graphs.
🔐 BIOMETRIC LOCK
PIN + Fingerprint security. Your phone, your data, your rules.
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
💸 PERFECT FOR
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
✔ Privacy-conscious Indians refusing bank linking
✔ Students managing tight budgets
✔ Freelancers tracking income & expenses
✔ Small business owners tracking cash
✔ Families managing household spending
✔ UPI-heavy users needing auto-capture
✔ Anyone tired of ₹799/month subscriptions
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
🆓 POWER-FULL FOREVER
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
✅ Unlimited transactions
✅ Unlimited budgets & goals
✅ SMS auto-tracking
✅ Voice input
✅ PDF reports
✅ All wallets & accounts
✅ Backup & restore
✅ Zero ads
No 7-day trial trap. No hidden paywall. Financial tracking is a right, not a luxury.
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
🌍 BUILT FOR INDIA
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
✓ Recognizes Indian bank SMS (HDFC, SBI, ICICI, Axis, etc.)
✓ UPI/IMPS/NEFT/RTGS tracking
✓ Hindi voice input
✓ 11 languages: English, Hindi, Tamil, Telugu, Marathi, Gujarati, Bengali, Kannada, Malayalam + more
✓ Indian Rupee (₹) default
✓ Works offline in low-connectivity
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
🔒 PRIVACY GUARANTEE
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
✓ All data stored locally (Hive database)
✓ No internet permission for core features
✓ No analytics tracking
✓ SMS reading 100% on-device
✓ Zero server uploads
📧 Support: [email protected]
Download SpendSafe and take control of your money — privately, simply.
Your data. Your phone. Your rules. 🔒
Track expenses in 3 ways: Auto SMS capture, Voice input, or Manual entry. No bank linking. No ads. No subscriptions. Your data stays on YOUR phone — forever.
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
🚀 3 WAYS TO ADD EXPENSES
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
1️⃣ AUTO SMS TRACKING (NEW!)
✅ Auto-captures UPI, card & bank transactions from SMS
✅ Recognizes 50+ Indian bank formats
✅ AI auto-categorizes expenses
✅ Review before saving — full control
✅ 100% on-device parsing — zero upload
✅ Toggle ON/OFF anytime
2️⃣ VOICE INPUT — SPEAK TO ADD
✅ "Spent 500 on groceries" — Done!
✅ Hindi & English voice support
✅ Fastest hands-free expense logging
✅ Perfect while commuting or shopping
3️⃣ MANUAL ENTRY — 3 SECONDS
Tap + → Type amount → Pick category → Done
Never manually track again with SMS automation, or use voice when your hands are busy. You choose!
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
🔒 WHY SPENDSAFE IS DIFFERENT
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
Most budget apps want your bank password, sell your data, or charge ₹800/month. SpendSafe does NONE of that.
✅ Zero bank linking — ever
✅ Zero cloud upload — ever
✅ Zero ads — ever
✅ Zero subscription for core features
✅ Works 100% offline
✅ No account required
Your money data is YOURS. We never see it, store it, or sell it. India's first truly privacy-first personal finance app.
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
📊 POWERFUL BUDGETING FEATURES
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
💳 MULTIPLE WALLETS
Track Cash, UPI, Debit Card, Credit Card separately. See real total balance instantly.
📊 SMART BUDGETS
Set monthly limits per category. Get 80% alerts. Never overspend with color-coded progress bars.
🎯 SAVINGS GOALS
"Emergency Fund ₹50K" or "Goa Trip ₹30K". Track progress daily. Celebrate wins.
📄 PDF REPORTS
Generate beautiful monthly financial reports. Share with family or save for records — all offline.
🔁 RECURRING EXPENSES
Auto-add Netflix, rent, electricity monthly. Never forget fixed bills.
💡 AI INSIGHTS
"You spend 40% more on food on weekends." Real data that helps you save smarter.
📸 RECEIPT PHOTOS
Attach photos to expenses. Never lose warranty cards or bills.
📈 VISUAL CHARTS
Category pie charts, daily/weekly/monthly trends, income vs expense graphs.
🔐 BIOMETRIC LOCK
PIN + Fingerprint security. Your phone, your data, your rules.
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
💸 PERFECT FOR
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
✔ Privacy-conscious Indians refusing bank linking
✔ Students managing tight budgets
✔ Freelancers tracking income & expenses
✔ Small business owners tracking cash
✔ Families managing household spending
✔ UPI-heavy users needing auto-capture
✔ Anyone tired of ₹799/month subscriptions
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
🆓 POWER-FULL FOREVER
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
✅ Unlimited transactions
✅ Unlimited budgets & goals
✅ SMS auto-tracking
✅ Voice input
✅ PDF reports
✅ All wallets & accounts
✅ Backup & restore
✅ Zero ads
No 7-day trial trap. No hidden paywall. Financial tracking is a right, not a luxury.
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
🌍 BUILT FOR INDIA
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
✓ Recognizes Indian bank SMS (HDFC, SBI, ICICI, Axis, etc.)
✓ UPI/IMPS/NEFT/RTGS tracking
✓ Hindi voice input
✓ 11 languages: English, Hindi, Tamil, Telugu, Marathi, Gujarati, Bengali, Kannada, Malayalam + more
✓ Indian Rupee (₹) default
✓ Works offline in low-connectivity
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
🔒 PRIVACY GUARANTEE
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
✓ All data stored locally (Hive database)
✓ No internet permission for core features
✓ No analytics tracking
✓ SMS reading 100% on-device
✓ Zero server uploads
📧 Support: [email protected]
Download SpendSafe and take control of your money — privately, simply.
Your data. Your phone. Your rules. 🔒
What’s new
Version 1.1.32 · Updated October 21, 2026
⚡ Fixed layout overflow issues on Report & App Icon screens. ⚡ Added CSV export alongside PDF statements. ⚡ Faster date picker for transactions & monthly budget improvements. ⚡ Performance & stability enhancements.
User reviews
still some implementations are left, which will get updated in new version as I discussed about that with developer..
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| App | Rating | Price | Installs | Last updated | Compare |
|---|---|---|---|---|---|
| SpendSafe – Expense & Budget | – | Free | 100+ | Oct 21, 2026 | |
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