Frequently asked questions.

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.