PaisaSync reads the bank and UPI SMS already on your Android phone and turns them into a categorised spending record — no bank login, and your transactions never leave the device.
Rs 480.00 debited a/c XX4412 to SWIGGY via UPI
Swiggy
Auto-categorised
−₹480
Food
The parser follows Indian bank and UPI message formats rather than a fixed list — an unfamiliar bank usually still works.
HDFC Bank
SBI
ICICI Bank
Axis Bank
Kotak
IDFC First
Canara Bank
PNB
Bank of Baroda
Union Bank
Yes Bank
IndusInd Bank
Federal Bank
AU Small Finance
Google Pay
PhonePe
Paytm
CREDGoogle PayPhonePePaytmCREDGoogle PayPhonePePaytmCREDBank and app names and logos are trademarks of their respective owners. PaisaSync is not affiliated with, endorsed by or partnered with them.
That is the entire workflow. Your bank already texts you every time money moves — PaisaSync reads that message on your phone, pulls out the amount and merchant, files it under a category and moves your budget. You do nothing.
Rs 480.00 debited from a/c XX4412 to SWIGGY via UPI. Ref 552310884471
Swiggy
Awaiting alert
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…No bank login. The message never leaves the phone.
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Transactions on our servers
0
Free money calculators
0
In-depth guides
₹0
Rupees to start
Hover a card to see the screen — this is the real app, not a concept.
We build with on-device processing from the ground up. No accounts to link, no bank passwords to share, and no servers holding your financial information.
All SMS parsing and categorisation happens locally on your phone's processor. No message content is ever uploaded.
We never ask for your bank usernames, passwords or OTPs. Your bank accounts remain completely secure.
We don't store your transactions on our servers. Because we don't have them, we can't lose them or sell them.
Traditional cloud-based expense trackers store your financial data on their servers, often analysing or selling it to third parties. We take a different approach.
Upload your SMS data to their servers. Prone to data breaches and privacy violations.
Everything happens on your device. We literally cannot see your data, ensuring total peace of mind.
Data moves directly from your local SQL database to Google Drive. We host no cloud database that could be breached.
Backups are encrypted using on-device private keys. Even Google cannot read your sync files without permission.
Scroll through the three steps — the phone keeps up.
Download securely from the Google Play Store.
check_circleFrom the Play StoreGrant SMS permission for on-device parsing only — no message content leaves your phone.
check_circleOn-device parsing onlyWatch as your last few months of transactions organise themselves in seconds.
check_circleMonths of history, in secondsThe financial assistant does the heavy lifting while respecting your privacy boundaries.
Intelligently parses bank and UPI SMS alerts to log transactions instantly. Zero manual entry needed.
We never upload your transaction logs to the cloud. Your financial records are encrypted and stored purely on-device.
Understand your true wealth with multi-account balances, presented natively in lakhs and crores.
Merchant and message patterns sort spending into food, travel, bills and more. Correct one and it remembers that merchant forever.
Core tracking costs nothing. Pro removes ads and adds backup — monthly, yearly, or once.
| Feature | FreeForever | Pro Monthly₹29/month | Most popularPro Annual₹199/year | Pro Lifetime₹399 |
|---|---|---|---|---|
| Native SMS Auto-Parsing | check_circle | check_circle | check_circle | check_circle |
| Manual Expense Entry | check_circle | check_circle | check_circle | check_circle |
| Budgets & Limits | check_circle | check_circle | check_circle | check_circle |
| Financial Goals Tracking | check_circle | check_circle | check_circle | check_circle |
| Commitments & Recurring Bills | check_circle | check_circle | check_circle | check_circle |
| Custom Categories | Up to 3 | Unlimited | Unlimited | Unlimited |
| Google Drive Backup | lock | check_circle | check_circle | check_circle |
| Ads | lock | ZERO ADS | ZERO ADS | ZERO ADS |
| Custom Category Regex | lock | check_circle | check_circle | check_circle |
| Notification Listener Sync ( Coming Soon ) | lock | check_circle | check_circle | check_circle |
| Priority Support | — | — | check_circle | check_circle |
Budgeting, UPI tracking and money habits — in rupees, for Indian banks.
Yes — that is the whole design. PaisaSync reads SMS locally on your device to extract transaction details, and that data stays in a database on your phone. We have no server holding it, so there is nothing for us to lose or sell.
The tracking is. Three things do use the internet: signing in with Google to identify your account, ads in the free version, and app updates. Your transactions, balances and budgets are never among them — they stay on your device, and the app keeps working with no connection at all.
That is how it finds your transactions. Your bank already texts you every time money moves; PaisaSync reads those messages on your device and turns them into a spending record. Without the permission you can still add everything by hand.
It is not built around a fixed list. The parser understands the formats Indian banks and UPI apps use — HDFC, ICICI, SBI, Axis, Kotak, IDFC First, Canara, PNB, GPay, PhonePe and many more. An unfamiliar bank usually still works.
Yes. SMS auto-capture, manual entries, budgets, goals and recurring bills are free forever, with no trial and no card required. Pro removes ads and adds Google Drive backup, unlimited custom categories and custom category rules — ₹29/month, ₹199/year or ₹399 once for lifetime.
Not yet. Apple does not allow any app to read SMS, so the automatic part cannot work on iOS.
Your data lives on the device, so on the free plan it does not travel with you — re-installing and re-scanning rebuilds your history from the SMS still on your phone. Pro adds an encrypted backup to your own Google Drive that you can restore on the new phone.
Free forever plan·No bank login·Android