FEE Axis annual card fee · ₹500
PRICE RISE Video Plus ₹649 → ₹699 · ₹600/year
REVIEW REPEAT Swiggy ₹399 charged twice today · may be legitimate
The audit is generated from ledger data already on your phone. It never calls a bank API and never claims a repeat is fraud — it gives you a short review list instead of another chart.
Bank and UPI alerts become titled, categorised entries the moment they arrive — 60+ built-in Indian merchant rules (Zepto, Swiggy, IRCTC, petrol pumps, electricity boards…). OTPs, promos and spam are recognised and refused; every rule is regression-tested against a 10,000+ message gauntlet.
One review pane combines bank fees, pending subscription increases, exact same-day repeat-looking charges, reconcile gaps and bank-announced debt. Every item links back to the passbook evidence.
Every real movement of the month, newest first, day-sectioned like a bank statement with per-day in/out totals. Filter by shop, account, category or amount. Long-press any row to copy it.
Import your netbanking CSV — rows are titled, categorised and deduped against live captures, never double-booked. Direction is proven by balance math, not trusted from headers. Password-locked PDF statement? SpendWise unlocks it on-device and remembers each bank's password.
Last-known balance per account (scraped from alerts, or refreshed by a missed-call to your bank's own number), salary month attribution, and a red [ DEBT ] pane for what cards owe. Cash flow: in, out, net, what's safe to spend today.
One tap builds a plain-text month card — in/out/left, category bars, top spends — ready for WhatsApp. Deliberately text, not an image: weighs nothing, pastes anywhere, never includes bank balances.
11 easy-on-the-eyes terminal themes. CSV export. Full JSON backup you can restore on any device — to Google Drive via the file picker, or to your own server with automatic event-driven uploads. SQLite on-device; no cloud required, ever.
Site builds update themselves: the app offers each new version in-app — your data stays through every update.
The paid product is convenience and continuity: review from a laptop, compare archived snapshots and recover a lost phone. The free phone audit remains fully useful.