Instant logging
An expense appears in your dashboard within moments of the bank SMS arriving.
An SMS expense tracker that logs spending from bank alerts automatically
Every bank sends a transaction SMS. Spenzaa can read those alerts on your device and log the expense automatically — no account linking, no manual entry, entirely optional.
Free forever plan · No credit card required · iOS & Android
In India, nearly every debit, credit or UPI transaction triggers an instant SMS from your bank. That message already contains the amount, the merchant and the account — which makes it one of the fastest, most reliable ways to capture a transaction the moment it happens.
Spenzaa's SMS expense tracker (Android, optional, off by default) reads only transaction-pattern messages on your device to log expenses automatically. Personal messages are never read, nothing is uploaded except the parsed transaction detail, and you can turn it off at any time in settings.
What makes it work
No account linking needed
Works from the SMS alone — useful for banks or cards Spenzaa doesn't directly support.
Privacy-first parsing
Only transaction-pattern messages are read. Personal texts are never touched or uploaded.
Fully optional
Off by default. Turn it on only if you want it, and switch it off any time in settings.
Auto-categorized like any transaction
SMS-detected expenses get the same AI categorization as connected accounts.
Works across banks
Any bank's standard transaction SMS format can typically be recognized and parsed.
Frequently asked questions
Does Spenzaa read all my text messages?
No. SMS parsing, where enabled, only reads messages matching transaction-alert patterns. Personal messages are never read, and nothing except parsed transaction details is ever uploaded.
Is SMS tracking on by default?
No — it is off by default on Android and must be explicitly enabled in settings. You can disable it again at any time.
Does this work on iPhone?
SMS-based tracking is an Android capability due to platform permissions. iPhone users can connect accounts directly or log expenses manually or via receipt scanning.
What if my bank's SMS format isn't recognized?
You can always add that transaction manually in a couple of taps — SMS tracking is a convenience layer, not the only way to log an expense.
Let transaction SMS do the logging
Free, optional, and fully under your control.