Everything it does

One app for every rupee you move.

Your bank’s SMS, read on your phone, becomes a complete money picture. Skim the headlines — open a card only when you want the detail.

The full tour

Twelve things WalletLoop does — told in the order they happen to you.

Told in the order they happen to you. One headline and one picture per job — the fine print opens only if you ask.

Day 1 · the first ten minutes

Your last 30 days, assembled — and you approve every entry.

Sign in, and your last 30 days assemble on the spot — you approve every entry before it lands.

Nothing enters unreviewedOne-tap categorizationDuplicates surface as pairsReviewed means reviewed
See it with a real example
The moment

Ten minutes after install you’re looking at 47 payments across 5 banks from the last week — Swiggy sorted to Food, the auto to Transport, two legs of one card bill folded into a single payment. You uncheck a test transfer, tap Import 45, and your dashboard is alive.

  • Nothing enters unreviewed — you select, deselect and approve; the app never imports behind your back
  • One-tap categorization — “we sorted 13 of 15 merchants — looks right?” One tap files them all
  • Duplicates surface as pairs — two SMS legs of one payment are caught, so money is never counted twice
  • Reviewed means reviewed — imported or skipped payments never reappear in a rescan
Review & import · you are the editor
16 ready · 29 to approvesorted on your phone, day by day
We sorted 13 of 15 merchantsLooks right ✓ — one tap files them all
Same money, two textscard-bill legs paired · counted once
IMPORT 45
Approved by you, in minutesNever re-asked
Every day · auto-detect from SMS

Transactions appear by themselves — already categorized.

A bank SMS arrives; the payment files itself — amount, merchant, category — before the phone is back in your pocket.

100+ SMS formatsUPI VPAs become real merchant namesManual entry still worksA heads-up even when the app is closedForeign charges handled
See it with a real example
Example

You tap to pay ₹40 for chai and ₹612 for groceries on the way home. Before your phone is back in your pocket, both are in WalletLoop — named, categorized, timestamped — with zero typing.

  • 100+ SMS formats across 30+ Indian banks, parsed in under a second
  • UPI VPAs become real merchant names, not cryptic payment strings
  • Manual entry still works for cash — two taps and done
  • A heads-up even when the app is closed — “₹427 spent” lands as a quiet notification the moment the SMS does
  • Foreign charges handled — a $25 SaaS bill is estimated in ₹, and you confirm the exact amount
SMS → parsed → filed · on your phone
SMS arrives"Rs.612 spent at RELIANCE FRESH on HDFC…"
Parsed on your phone₹612 · Reliance Fresh · HDFC · 7:48 PM
Filed as GroceriesHigh confidence · one tap to confirm
UNDER 1 SEC
The chai stall · it learns your money

Correct it once. It remembers forever.

Rename a cryptic UPI handle once. Every future payment there files itself.

25,000+ known Indian merchantsMerchant memoryAn on-device modelSafety built in
See it with a real example
Example

A payment shows up as BHARATPE09XK@ybl. You rename it “Corner Tea Stall” and tag it Food, once. From then on every ₹50 there is filed as Corner Tea Stall · Food automatically — zero taps.

  • 25,000+ known Indian merchants categorized out of the box
  • Merchant memory learns from every correction you make
  • An on-device model picks up your personal patterns over time
  • Safety built in — a rule that starts misfiling pauses itself and asks you before doing more
Correct once · remembered forever
?
BHARATPE09XK@YBL₹50 · UPI · uncategorized
You rename it "Corner Tea Stall"and tag it Food & Dining
REMEMBERED
Next time, zero tapsCorner Tea Stall · Food & Dining · automatic
Card-bill day · the loop closes

Pay your card bill — the card updates itself.

Pay a card bill anywhere — one tap applies it, the outstanding drops, the due reminder clears.

One tap, bill appliedSpends land on the right cardStatements become reminders
See it with a real example
Example

You pay ₹42,350 towards your IndusInd card via CRED. Two SMS arrive — the bank debit and the card credit. WalletLoop folds them into one payment, asks once, reduces the card to ₹0, and marks the cycle cleared ✓.

  • One tap, bill applied — the SMS legs of one payment fold into one, never double-counted
  • Spends land on the right card — a running this-cycle total per card, built automatically
  • Statements become reminders — bill amount + due date read from the statement SMS, with a nudge before it’s due
The card loop · pay → reduce → cleared
“Payment received towards your card”₹42,350 · via CRED · two legs, folded
?
Paid your IndusInd bill?Yes, reduce it — one tap
₹42,350 → ₹0
Cleared ✓ · cycle closeddue reminder gone · next statement tracked
The 1st of the month · rent, bills & subscriptions

The quiet charges you forgot you were paying.

Netflix, rent, the maid, the gym — recurring money is spotted, matched and watched for you.

950+ services recognisedRenewal calendarGrouped by typePerson-paid bills matched too60+ bill presets
See it with a real example
Example

Netflix charges ₹649. WalletLoop spots it and asks: “Track Netflix as a subscription?” One tap, and it now flags the renewal each month — alongside your full ₹2,140/mo stack and a renewal calendar for the next 30 days.

  • 950+ services recognised, with sensible ₹ price bands so a one-off charge never false-triggers
  • Renewal calendar — see what’s about to charge, and cancel before it does
  • Grouped by type — subscriptions, bills, EMIs, all separated
  • Person-paid bills matched too — rent, maid, tuition; link the payee once and future payments auto-match, asking first
  • 60+ bill presets — rent, electricity, SIP, school fees — with the true monthly cost of yearly plans
Caught automatically · renewal calendar
🔔
Track Netflix as a subscription?recognised from your SMS
₹649/MO
Spotifyrenews 14 Jul · ₹119/mo
JioHotstarrenews 1 Aug · ₹299/mo
8 subscriptions tracked₹2,140/mo · ₹25,680/yr
The friend who owes you · Khata

Who owes whom — finally settled.

A running tab per person — many UPI IDs, one name, settled over WhatsApp.

Many UPI IDs, one personPull from historySettle up
See it with a real example
Example

You pay Rahul ₹500 for lunch, then ₹1,500 for movie tickets — over two different UPI IDs. Khata rolls both into one ₹2,000 to collect, and a tap shares a clean WhatsApp summary. Cash counts too — and none of it touches your spending totals.

  • Many UPI IDs, one person — matched only when you confirm it
  • Pull from history — tag past payments to a person in seconds
  • Settle up with a plain WhatsApp message — WalletLoop never moves money
Rahul — ₹2,000 to collect
Lunch · you paid₹500 · rahul@oksbi · 4 Jun
Movie tickets · you paid₹1,500 · 90xxxx21@ybl · 8 Jun
📱
Two UPI IDs, one personboth roll up under Rahul
SHARE
Trip week · Yatra

Every spend from one trip, in one honest total.

One trip, one honest total — every spend in the date window, pulled in with a tap.

Date-window captureCategory + daily breakdownAdd cash spends
See it with a real example
Example

A 4-day Goa trip. You create “Goa · 12–15 Jun” and one tap pulls in every transaction from those dates — ₹38,400 across stay, food, travel and fun — plus a cash entry for the things SMS can’t see.

  • Date-window capture — the trip’s spends are pre-selected for you
  • Category + daily breakdown for the trip, separate from your month
  • Add cash spends for the market stalls and tips
Goa trip · 12–15 Jun — ₹38,400
STAY
₹16,000
2 nights
FOOD
₹9,200
12 spends
TRAVEL
₹8,400
flights + cabs
FUN
₹4,800
beach + bar
Any random Tuesday · merchant story

“How much have I actually spent on Swiggy?”

Tap any payment for that merchant’s whole story — lifetime, this year, this month.

Lifetime / year / monthSearch every merchantCategories get the same storySpotlight cards
See it with a real example
Example

You wonder where the food-delivery money goes. Tap a Swiggy payment: ₹11,554 this year across 26 orders, a clear month-by-month trail, down 72% this month — and “that’s about 96 metro rides.”

  • Lifetime / year / month totals for any merchant
  • Search every merchant from the Insights tab
  • Categories get the same story — tap Food & Dining for its own 12-month trail
  • Spotlight cards surface what’s rising, new or worth a look
Swiggy this year — ₹11,554
ORDERS
26
since Jan
AVERAGE
₹444
per order
THIS MONTH
−72%
vs last month
THAT’S
≈ 96
metro rides
The heavy stuff · debts, cards & EMIs

Every loan, card and EMI — finally in one place.

Loans, cards, EMIs and money lent — tracked with real amortization math.

EMI schedules + prepayment calculatorCard utilization + due datesConsolidation with real switching costs
See it with a real example
Example

You’re paying a ₹18,300 home-loan EMI and carrying an ICICI card due in 6 days. WalletLoop shows both, the utilization, the due date — and the prepayment calculator shows exactly what paying early would save.

  • EMI schedules + prepayment calculator — see what paying early saves
  • Card utilization + due dates so nothing slips into interest
  • Consolidation with real switching costs — foreclosure and processing fees per current RBI rules, so the “savings” number is honest
Home Loan · SBI8.4% · 142 EMIs left
₹18,300 / month32% paid
Credit Card · ICICIdue in 6 days
₹23,410 outstanding48% utilization
Ravi owes yousince April
₹5,000 lent₹3,000 returned
Mid-month · budgets that don’t nag

A heads-up, not a red alarm.

A quiet heads-up at 50 / 80 / 100% — and a forecast of where the month lands.

One nudge per levelPace forecastRecurring budgets
See it with a real example
Example

You set ₹6,000 for Entertainment. At ₹5,160 WalletLoop says, once: “Entertainment is at 86% — pacing to ₹7,000 by 30 Jun.” A quiet heads-up, mid-month, while you can still do something about it.

  • One nudge per level — 50 / 80 / 100%, never repeated
  • Pace forecast — where you’ll land if nothing changes
  • Recurring budgets roll over to each new month automatically
One nudge at 50 / 80 / 100% · never red
Entertainment₹5,160 / ₹6,000
86% usedpace → ₹7,000 by 30 Jun
Food & Dining₹2,100 / ₹5,000
42% usedon track
Quiet nudge, once per levelNo red bars
Month-end · Insights & Reality Check

Numbers that actually land.

The month, translated into things your brain can weigh — meals, metro rides, your own patterns.

Reality CheckSpending PaceSpending PersonalityLocked-in vs choicesMonth WrapTrends + breakdowns
See it with a real example
Example

Instead of a flat “₹2.2L spent,” WalletLoop tells you that’s about 8,066 metro rides, that you’re on track for the month, and that eating out is down 12% — the kind of number that changes a habit.

  • Reality Check — spending in physical equivalents
  • Spending Pace — under, on-track or over, mid-month when it matters
  • Spending Personality — “most of your spending happens on Wednesday evenings”
  • Locked-in vs choices — how much of the month was EMI & rent, and how much was actually your call
  • Month Wrap — a bank-statement-style close of the month: the shape, the movers, the win
  • Trends + breakdowns — daily to yearly, by category and account
"Your Swiggy this month = 45 home-cooked meals."
SPENDING PACE
On track
₹1,406/day vs ₹1,600 budget
THIS MONTH
₹2.2L
≈ 8,066 metro rides
SUBSCRIPTIONS
₹2,140/mo
₹25,680 yearly
VS LAST MONTH
−12%
eating out less
Along the way · gentle momentum

Streaks that forgive. Goals that fill up.

Streaks that forgive a missed day. Savings goals that fill rupee by rupee.

Freezes, not resetsNamed savings goalsPositive-only
See it with a real example
Example

Day 91 of your streak. You missed last Tuesday — a freeze covered it and the streak held. Meanwhile “Goa December” sits at ₹18,000 of ₹25,000, and this month had 6 light days — the app celebrates those, not your overspends.

  • Freezes, not resets — miss a day and a freeze covers it; they refill on their own
  • Named savings goals — fund them, watch them fill, get the quiet celebration when they land
  • Positive-only — achievements for saving and consistency; never shame for spending
🔥 91-day streak — 2 freezes in hand
GOA DECEMBER
₹18,000
of ₹25,000 · 72%
LIGHT DAYS
6
this month
NO-SPEND DAYS
3
money rested
ACHIEVEMENTS
14
earned · positive only
Privacy, precisely

The reading happens on your phone.

Every feature above runs on one honest rule: your bank’s SMS is read where it already lives — on your device.

SMS is parsed on-device

The raw message — account numbers, balances, everything — is read on your phone and never uploaded.

Only the parsed transaction syncs

Amount, merchant, category — so you can restore on a new phone. Nothing that identifies the account leaves with it.

You can export or delete anytime

Full CSV, Excel and PDF export, and one-tap account deletion that takes the data with it.

What we will never do

  • Show ads
  • Push loans or BNPL
  • Sell or share your data
  • Run third-party ad or analytics SDKs — crash reporting only
Read the full privacy policy →
And the rest

The quiet essentials.

The things you’d expect from an app that respects your money and your attention.

Works offline

Your data is cached on the phone. Open the app on a flight and everything is still there; it syncs when you’re back.

PIN + biometric lock

A 4-digit PIN with fingerprint or face unlock. The PIN never leaves your phone.

Export anywhere

Download everything as CSV, Excel or a formatted PDF report — monthly, quarterly, yearly or all-time.

Built for ₹

Lakh and crore notation, ₹1,00,000 grouping, Indian date formats — money the way you actually read it.

English + Hindi

The whole app speaks both, with more Indian languages on the way.

Themes & dark mode

Warm light, cool grey, dark, or true-black OLED — four themes, whichever is easy on your eyes.

Split expenses

Share a bill across friends and track each person’s share.

Calm by design

No shame, no nagging, no manipulation — even the streaks forgive a missed day. The brand is the absence of fintech tricks.

Teach it your bank

A bank we can’t read yet? Pick the SMS in-app — everything personal is stripped on your phone, and only the blank format reaches us.

Currently in closed testing

Your money already writes to you.
Start reading it.

We're rolling out invites to early users. Drop a note and we'll send a link the moment a slot opens.

Email for early access Coming soon on
Google Play

Free to use · Android first · hello@walletloop.in