PaisaSync automatically tracks your expenses by parsing bank and UPI SMS on your phone. Your transactions never leave your device.
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.
Get started with automated tracking in three simple steps.
Download securely from the Google Play Store.
Grant SMS permission for on-device parsing only — no message content leaves your phone.
Watch as your last few months of transactions organise themselves in seconds.
We've engineered the perfect financial assistant that 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.
Pay once, use forever. No hidden fees.
| Feature | FreeForever | Pro Monthly₹59/month | Most PopularPro Annual₹399/year | Pro Lifetime₹999 |
|---|---|---|---|---|
| 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 |
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 — every feature you see today is free, with no trial and no card required. A small optional Premium tier for cloud backup and multi-device sync is planned; it will never gate the core tracking.
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 it does not travel with you today. Re-installing and re-scanning brings your transactions back from the SMS still on your phone.
Get the PaisaSync Android app to securely parse transaction alerts locally. Set budgets, track net worth, and manage your ledger without sharing passwords or uploading cloud data.