It tracks itself, so you can live yours. Paisa Tracker reads the transaction SMS your bank already sends and turns it into a clean, categorised record of your spending — no typing, no spreadsheets, no bank logins.
Reads transaction alerts from the banks you already use
Your bank already texts you after every payment. Paisa Tracker reads that one message on your device, pulls out the amount, merchant and account — and quietly files it. Watch it happen.
Paisa Tracker
on-device
Swipe the phone, or tap the arrows.
Open the app and the month is already done: every debit and credit totalled, split into spent, received and this week, with each bank you use counted underneath. You didn’t type a single one of them.
Every date is a tile, shaded by what it cost — red when the day ran away with you, green when it didn’t, a plus where only money came in. Zero-spend days and your best streak are counted at the top.
The app reads your habits back to you — peak spending day, top category, impulse ratio, daily average — then shows how much budget is actually left in a live burn-rate ring. Tap any slice to see what’s eating it.
Every month plotted against your limit and colour-coded — green under, amber close, red over — so a bad month is impossible to miss. Underneath, the merchants quietly taking the biggest share, ranked.
Set a total for the month and a limit for each category, then watch the bars fill as you spend. Food hitting 100% turns red long before your statement does.
Paid in notes, split a bill, used an account your bank never texts about? Add it in a few seconds — merchant, amount, category, date — and it counts towards your budgets like every automatic one.
The built-in categories don’t cover every life, so make your own — a subscription, a side project, cash withdrawals. Switch one off and it stops being used without losing any history.
Every alert has its own switch — the evening summary, a nudge near your daily limit, budget warnings, the weekly recap, the monthly wrap. Turn one off and the server never sends it; it just waits in the in-app inbox.
Switch between dark and light, pick whether you get pushed at all, and put the whole app behind a fingerprint or a 4-digit PIN. Everything about the account sits at the top of the same screen.
Budgets, the daily limit, your own categories, merchant rules, notifications, export, the uncategorised queue and a full re-read of your inbox — one list, each row with an info button that explains it before you touch it.
Spotted a transaction the parser skipped? Paste the SMS and send it over. It goes straight into making the engine better for everyone — and a thank-you email comes back once it lands.
Pick this month, a quarter, a year or any custom range and generate a full PDF — executive summary, category charts, daily trend, top merchants and the complete transaction history. It lands in your inbox.
No receipts to snap, no rows to type, no monthly reconciliation ritual. The work happens the second a transaction does.
Every debit and credit lands in the app the moment your bank texts you. No manual entry required, no bank-account linking, nothing to remember — and when you pay in cash, you can still add it yourself.
A model sorts each expense into Food, Travel, Shopping and more — and remembers every correction you make. Invent your own categories, or fix a stubborn merchant across every one of its messages at once.
Monthly and daily limits, watched live with burn-rate rings and a colour-coded calendar.
Know the second money leaves, and get a Sunday summary of where the week actually went.
Paisa Tracker never asks for your net-banking credentials, because it doesn't need them. It works from the SMS your bank already sent you — behind a fingerprint and PIN lock, encrypted with AES-256.
Every message is checked on your phone before anything else happens. If it isn't a completed bank transaction, it's dropped on the spot.
A free, one-tap install. Android 8.0 and up, no account required to start.
Grant permission so the app can see your bank's transaction alerts. That's the only source it ever reads.
Past and future transactions appear on their own — sorted, categorised, and ready to explore.
It's live on the Google Play Store — download Paisa Tracker free for Android 8.0+. No ads, no subscription.
It reads your bank's transaction SMS — the debit and credit alerts your bank sends after each payment — and logs the amount, merchant and account for you. No manual entry required, and no bank-account linking — though you can add a cash transaction by hand if you want one tracked.
No. Paisa Tracker only processes bank transaction alerts — messages with a payment amount and a debit/credit keyword. Personal chats, OTPs and promotional messages are filtered out on your device and never uploaded.
Never. Paisa Tracker works entirely from your transaction SMS — there are no bank logins, so your banking credentials are never involved. You can also lock the app behind a fingerprint or PIN.
Yes. Your data is AES-256 encrypted, and we never show ads or sell your data. You can delete your account and all data anytime, and read the full privacy policy.
Free on Google Play. No ads, no subscription, no bank logins — just the SMS your bank already sends you, turned into something useful.