A UPI expense tracker that does not read your SMS
Scan a vendor UPI QR code to capture the payment. No SMS permissions, no bank account linking, no ads.
The standard Indian expense app asks for SMS access so it can parse bank alerts. That grants a third party read access to every message on your phone - one-time passwords included - to solve a data-entry problem.
SpndX takes the capture at the point of payment instead. Scan the QR code you were about to pay anyway, and the expense details come with it.
How UPI capture works
Scan the QR, log the expense
SpndX reads standard UPI and BharatQR codes, which covers Google Pay, PhonePe, Paytm, and bank UPI apps.
No SMS, no bank credentials
SpndX never requests inbox access and never asks for banking logins. Nothing to revoke later.
Cash and card too
UPI is one capture method among several. Everything lands in the same budgets and reports.
Split and settle over UPI
Track a group dinner, then hand off to your UPI app to actually pay your share.
Frequently asked questions
- Does SpndX read my SMS inbox to find UPI transactions?
- No. SpndX never requests SMS permissions. Instead you scan the vendor UPI QR code inside the app to capture payment details, or hand off to your UPI app and log the amount.
- Which UPI apps does this work with?
- QR scanning reads standard UPI and BharatQR codes, which covers Google Pay, PhonePe, Paytm, and bank UPI apps.
- Can I track cash and card spending too?
- Yes. UPI is one capture method. Cash, card, and bank expenses are logged the same way and appear in the same reports and budgets.
Why not just auto-import from SMS
SMS parsing is convenient and genuinely useful, but the permission it needs is far broader than the job. If that trade is right for you, several Indian apps do it well. SpndX is for people who would rather scan than grant inbox access.