Mindful spending,
beautifully tracked.
SpendCtrl is a private expense tracker and budget app for India — log expenses in seconds, auto-capture bank & UPI SMS, and keep calm budgets. Save what you don't spend, then put it to work.
Private by design — your data stays on your device. Built for India, in rupees, with UPI in mind.
Private & made for India
- On-device storage
- Your data lives in a local database on your phone
- On-device SMS parsing
- Bank alerts are read and parsed locally, never uploaded
- INR + UPI native
- Rupee-first, with UPI, Cash, Card and Bank methods
- HDFC · ICICI · Axis
- Plus generic UPI and balance alerts from other senders
Everything you need to track expenses and budget with intention
A quiet, considered take on personal finance — designed to feel more like a lifestyle journal than an accounting app.
Log it yourself, or let your bank SMS do it
Add an expense in seconds with amount, category, payment method, merchant and notes — or, on Android, let SpendCtrl read bank transaction alerts and turn them into ready-to-confirm entries.
- Manual entry with UPI, Cash, Card and Bank methods
- Android SMS auto-import for HDFC, ICICI, Axis + generic UPI alerts
- Confidence scoring (high / medium / low) with Confirm, Edit or Dismiss
Limits that feel like guidance, not guilt
Set an overall monthly limit and per-category budgets, then watch gentle progress bars keep you on track. A budget report shows exactly where you stand.
- Monthly limit with at-a-glance “% used” and amount left or over
- Per-category budgets with over-budget warnings
- Budget report: On Track, Over Budget and Unbudgeted at a glance
See the story behind every rupee
Reports turn raw transactions into readable insights — where your money goes and how it compares against your budget.
- Interactive Category Breakdown donut — tap a slice to drill in
- Budget vs Actual, with month-over-month context
- Designed to read like a journal, not a spreadsheet
A history you can actually search
Every transaction lives in a clean, date-grouped ledger. Search by merchant, description or category, and filter to any month in a tap.
- Full-text search across merchants, notes and categories
- Month filter with date-grouped entries
- Status badges keep confirmed and pending items clear
Categories that fit your life
Start with thoughtful defaults like Food & Dining, Groceries, Transport and Rent, then bend them to match how you actually spend.
- 13 ready-made categories to start from
- Custom categories with your own colour and icon
- See how many transactions each category holds
Invest what you didn’t spend
Our north star: the amount you stay under budget becomes money you can invest. Turn mindful spending into a quietly growing habit.
- Underspending becomes investing
- Hands-off & automatic
- Small wins, compounded
Three steps to a calmer month
- 01
Capture every expense
Log spends manually in seconds, or let SpendCtrl auto-import bank SMS on Android and tidy them into categorized entries.
- 02
Set your limits
Pick a monthly limit and category budgets. Calm progress bars and a budget report keep you oriented all month.
- 03
Save & grow
Our north star: whatever you don’t spend becomes savings you can invest — mindful habits, compounding quietly.
A closer look
From mindful spending to growing savings
SpendCtrl starts as a calm tracker. Our north star is to turn the money you don’t spend into money that works for you.
- Available now
Track, budget, understand
Manual and SMS capture, monthly and per-category budgets, reports, and a searchable ledger — all on your device.
- Next
Save what you don’t spend
Automatically set aside the amount you stayed under budget each month, turning discipline into a growing balance.
- The vision
Put your savings to work
Invest those savings in small, consistent steps — so mindful spending quietly compounds over time.
Frequently asked questions
- Is SpendCtrl free?
- Yes. SpendCtrl is free to use while in early access, and the core expense tracking and budgeting features will stay free.
- Does it work offline, and is my data private?
- SpendCtrl is private by design. Your transactions live in a local database on your phone, so the app works offline and your financial data is never uploaded to a server.
- Does it read my bank SMS automatically?
- On Android, SpendCtrl can read bank and UPI transaction alerts and turn them into ready-to-confirm entries. The parsing happens entirely on your device — the messages are never sent anywhere.
- Does it track UPI payments?
- Yes. SpendCtrl is built for India with UPI, Cash, Card and Bank methods, and can capture UPI alerts from HDFC, ICICI, Axis and other senders, all in rupees.
- Does it work on iPhone?
- SpendCtrl launches on Android first, where SMS auto-capture is available. iOS support is on the roadmap; on iPhone you can still log expenses manually.
Be first to spend with intention
Join the early access list and we’ll let you know the moment SpendCtrl is ready for you.