WalletLoop reads your bank's SMS — on this phone — and quietly turns them into a clean spending list. See what's left, where it went, and what's coming up. No ads. No loans pushed. No data sold.
UPI fragmentation across PhonePe, GPay, Paytm and cards means transactions scatter across five apps. WalletLoop catches all of them — automatically.
Catches transactions from HDFC, SBI, ICICI, Axis and 30+ other Indian banks the moment they arrive. No manual entry needed.
PhonePe, GPay, Paytm, Amazon Pay, plus every credit and debit card — finally in a single timeline. No more checking five apps.
Personal loans, home loans, credit cards, BNPL — see what's owed, what's due, and what consolidating could save you. All in one screen.
Netflix, Spotify, gym, that VPN you forgot — auto-detected from your transaction history with annual projections so the small ones stop adding up.
"Your Swiggy spend = 45 home meals." Translate abstract numbers into physical equivalents that actually land.
SMS parsing happens entirely on your phone. We never see the raw text. No third-party analytics. No advertising SDKs. No loans pushed.
No accounts to connect. No statements to upload. The work is already on your phone.
WalletLoop reads transaction SMS from HDFC, SBI, ICICI, +30 more — directly on your phone. We don't read OTPs. We don't read texts from friends.
Each SMS becomes a categorized transaction on this phone. UPI VPAs become merchant names. Recurring charges become subscriptions. Auto-debits become EMIs.
Subscriptions you forgot. EMIs due next week. Where the month went. Just the picture — no nagging, no red bars, no urgency tactics.
SMS parsing happens entirely on-device. Only the parsed transaction (amount, merchant, category) syncs to our server so you can restore it on a new phone. We don't store raw SMS. We don't store card numbers. We don't sell your data, and we never will.
I built WalletLoop for myself. No Indian expense tracker handled the realities of modern Indian digital spending well enough. UPI scattered across PhonePe, GPay, Paytm and credit cards meant transactions were everywhere.
Walnut — once the gold standard — was acquired and degraded into a lending funnel. Money Manager doesn't parse Indian SMS reliably. CRED only covers credit cards. axio pushes loans.
After two months of building and using it daily, the app outgrew its "just for me" origin. Friends asked for it. The decision to launch publicly came from genuine user demand, not market opportunism.
The brand promise is simple and rare in Indian fintech: your financial data stays on your phone. SMS parsing happens on-device. No loans, no BNPL upselling, no data monetization. WalletLoop charges users directly through Pro subscriptions, and that's the only revenue source.
— Phanindra, founder
We're rolling out invites to early users. Drop us a note and we'll send a link the moment a slot opens up.
Email for early access