Spentd Get APK

Android · India · UPI-native

Where your UPI money actually went.

Spentd turns PhonePe, GPay, and bank SMS into a clean expense ledger — amount, merchant, time — without typing every chai by hand.

Download APK View on GitHub
  • Offline-first
  • On-device OCR
  • Optional cloud sync
  • Open source · MIT
Spentd home screen showing monthly spend, budget, and balance
Spentd categories donut, weekly chart, and recent payments
Android-first PhonePe & GPay screenshots Bank & UPI SMS Passcode lock INR ledger

Features

A ledger that starts from payment proof you already have.

See the month at a glance

Month totals, category breakdown, this-week chart, and recent payments — so “I spent too much” becomes a day, not a lecture.

  • Debits, credits, and txn count in INR
  • Category donut with chip pickers when you edit
  • Swipe week ranges for spend patterns
Category spend donut and weekly spend chart in Spentd

Import without retyping

Three ways in. Mix them. Screenshots stay on the device — only structured fields sync if you use the cloud API.

  • SMS inbox — bank and UPI alerts, opt-in auto-import
  • PhonePe & GPay screenshots — on-device OCR
  • Paste or manual — when a template is weird
Import screen with SMS and gallery options
SMS import review with scanned payment counts and selection

Search every line item

Browse history, fix merchant or category, delete mistakes. The list is yours to keep clean.

  • Search by merchant on-device
  • Debits and credits clearly signed
  • Cash wallets for money that never hit UPI
Activity list of expenses searchable by merchant

Budget that respects income

Smart budget uses income this month (or a recent average), then sets spendable money after your savings rate — or pick a fixed custom amount.

  • Pace indicators so you know if you’re over
  • Savings rate chips: 10% to 40%
  • Room left in the month, not just a red bar
Monthly budget card with spend, balance, and pace

How it works

Install. Import. Track.

  1. 01

    Install the APK

    Grab the latest release, allow install from that source, open the file. Native build for SMS and fast OCR.

  2. 02

    Pull payments in

    Consent to SMS if you want auto-import, or pick PhonePe / GPay screenshots. Review detections before they hit the ledger.

  3. 03

    Live in the ledger

    Categories, week bars, budget, cash wallets. Edit freely — no force-magic categories that always “know.”

Privacy & lock

Your passcode. Your device. Your screenshots.

Sign up with a username and a 6-digit passcode. Leave the app and you’re on the pin pad again. Biometrics can unlock the local pad where the OS allows it — they don’t replace the passcode on the server.

  • OCR runs on-device; images are not the upload surface
  • Auto-import SMS is opt-in, with a consent screen first
  • Cloud sync is structured expense rows only
  • No passcode recovery in v1 — export before you forget
Spentd passcode lock screen
Settings with auto-import SMS and appearance controls

Honest limits

  • Android-first. iOS isn’t the target for v1.
  • OCR is only as good as the screenshot — review before save.
  • SMS formats differ by bank. Unknown templates may be skipped.
  • No force-magic AI categories. You can always edit a row.

Get Spentd on your phone

Latest APK on GitHub Releases. Open source monorepo is Paymenttracker — the app on the phone is Spentd.

Download latest APK Source on GitHub

Self-hosters: Postgres via Docker, API on port 3001. Full setup in the project README.