Expense tracker that finds your reward leak.
Spendzie is an SMS expense tracker that finds your reward leak — with a free reward calculator and credit card comparison so you see what you spend, what you miss, and which card pays you more.
Enter what you spend each month. We'll show the card that pays you most — and why.
Apply for a product
Soft check only. One short form, matched to partner banks.
Expense tracker, reward calculator & credit card comparison in one place
Six ways bank SMS and UPI alerts turn into money back — expense tracking, reward leak detection, and card matching, all live inside the app.
Explore credit card guides, the blog, and free calculators.
SMS expense tracker
Every bank and UPI SMS becomes a categorised expense tracker. Zero manual entry.
Reward calculator insights
See how much you lose each month to the wrong card — down to the transaction.
Credit card comparison fit
The right card for Swiggy, Amazon, fuel, travel — so you always swipe the best one.
Redemption maximizer
Your points can be worth 2× as flights vs cashback. We find the highest-value route.
Loan health & refinance
Outstanding, interest left & payoff date from your EMI texts — plus refinance savings.
Private by design
Read-only access to your transaction SMS. Encrypted in transit & at rest, DPDPA 2023 compliant, never sold.
Your money, already decoded.
No receipts to scan, no spreadsheets to keep. Spendzie reads the bank SMS already on your phone and turns it into a living picture of where every rupee goes — and where it's leaking.
Reward leak detection
Every wrong-card swipe, priced in rupees — and the card that plugs it.
Card intelligence
Best card to swipe, fee-waiver progress, perks and what your points are really worth.
Loan health
Outstanding, payoff date and refinance savings — rebuilt from just your EMI alerts.
Sample dashboard · your real numbers appear in the app
Set up once. Clarity forever.
Two minutes, no statements to upload, no manual entry. Then Spendzie just keeps working in the background.
Grant SMS access
Spendzie reads only your bank transaction alerts — read-only, encrypted in transit, never sold.
We map every card & loan
Issuer, last 4, EMIs, spend categories — reconstructed automatically from those alerts.
See the leak, plug it
Exactly where rewards are lost and which card or refinance recovers the most — in rupees.
See your personal savings, not a brochure
The web can show you the idea. Connected to your real spends, the app reveals your exact yearly leak, the cards to switch to, and the refinance that saves the most.
Your yearly savings
₹14,200/yr
Recoverable by switching cards on food, travel & bills. Updated automatically from your transactions.
From your actual spends, securely. Free in the app.
Your data is encrypted, end to end.
Spendzie needs to read transaction alerts to work — so we made sure it does that the safest way possible. No cloud uploads of your full inbox, no selling data, no moving money.
₹14,000
avg. rewards left unclaimed / yr
2 mins
to read your SMS & map every card
40+
cards & 8 lenders scored live
100%
encrypted · DPDPA 2023
Encrypted in transit
Your transaction SMS is sent over a secure, encrypted channel — read-only, nothing else is touched.
Encrypted at rest
Stored encrypted on secure servers, with access locked to your account alone.
DPDPA 2023 compliant
Built to India's data-protection law. We never sell or share your data.
Get Spendzie on Google Play
The Android app is live. See your exact reward leak in two minutes — then the card or refinance that recovers it. Free to check, soft check only.
Bank-grade encryption · DPDPA 2023 · offers from RBI-regulated partners only
Common questions about Spendzie
Spendzie is an SMS expense tracker that finds your reward leak for Indian bank and UPI alerts. Here is how the product works, what we never do, and how offers are sourced.
How does the expense tracker work?
After you grant read-only SMS permission on Android, Spendzie parses transaction alerts only — categorises spends, maps cards and EMIs, and surfaces reward calculator and credit card comparison insights from those messages. You do not upload statements or enter spends by hand.
Is Spendzie a bank or lender?
No. Spendzie Technologies is a software product. Card and loan offers come from RBI-regulated partner institutions. Eligibility checks described on this site are soft checks where applicable — they do not move money and do not guarantee approval.
Who should use Spendzie?
Anyone in India who receives bank or UPI SMS and wants a clearer expense tracker, a free reward calculator for monthly spends, or a credit card comparison based on how they actually swipe — without spreadsheets.