Expense tracker
The expense tracker that fills itself in from your bank SMS.
WellthIQ reads the transaction alerts your bank already sends you, so every UPI payment, card swipe and transfer is logged and sorted without you typing a thing.
Free on Android · Bank SMS stays on your phone · No ads
How it works
Three steps, then it runs itself.
Step 1: Install and allow SMS
WellthIQ asks to read SMS so it can find your bank alerts. Personal messages and OTPs are skipped.
Step 2: It reads past alerts
Recent transaction messages become a list of payments with amount, merchant, bank and date.
Step 3: New spends appear on their own
Every new bank alert is added as it arrives, already sorted into a category.
What it tracks
Every way money leaves your account.
UPI, cards and transfers
Debits and credits from UPI, debit and credit cards, NEFT, IMPS and ATM withdrawals, as your bank reports them.
Sorted into categories
Food, shopping, bills, EMI, travel and more, so you see where the month went at a glance.
Proof for every entry
Open any transaction to see the exact bank message it came from. Edit, recategorise or mark a duplicate.
Spent so far this month
Income, spending and how much you have saved, updated as each alert comes in.
SMS stays on your phone
Bank messages are read and stored on the device, encrypted. They are never uploaded.
Feeds your Financial Health Score
Your real spending drives the Savings and Budget pillars of your score, so it reflects what you actually do.
Original message
Where it went
Why SMS
Why an SMS expense tracker beats writing it down.
Most people stop tracking expenses within weeks, because logging every chai and auto ride by hand is tedious. Your bank already records each payment and sends you an alert for it. An SMS expense tracker uses those alerts as the source, so the record is complete without any effort from you.
It also catches what manual tracking misses: the small UPI payments, the subscription that renewed quietly, the card fee. Because each entry links back to the original bank message, you can check any number instead of trusting a guess.
WellthIQ keeps the messages on your phone. It needs no bank login and no account aggregator access to track spending, and you can use it without creating an account at all.
Frequently asked questions
Free on Android
Know where your money stands.
Link your accounts and get your full Financial Health Score, calculated from your real transactions, pillar by pillar, not self-reported.
No spam, ever. Your data stays on your device.