Everything it does

One app for every rupee you move.

WalletLoop reads your bank's SMS on your phone and turns it into a calm, complete money picture — spending, subscriptions, debts, the people you've lent to, even whole trips. Here's the full tour, with a real example for each.

The full tour

Nine things WalletLoop does for you.

Each one earns its place by solving a real, everyday money problem — quietly, on your phone. Here’s how, with an example for each.

Auto-detect from SMS

Transactions appear by themselves — already categorized.

The moment a bank SMS arrives, WalletLoop parses it on your phone and files it: amount, merchant, category. No app to open, no number to type. OTPs, balance alerts, offers and spam are ignored — only money that actually moved counts.

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
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
It learns your money

Correct it once. It remembers forever.

When a payment lands as a cryptic UPI handle, rename it to the real shop and fix the category once — and every future payment to that merchant files itself. The app molds to your money, not a generic template.

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
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
Subscription radar

The quiet charges you forgot you were paying.

WalletLoop recognises recurring charges from 950+ services — streaming, music, AI tools, VPNs, memberships — and asks once whether to track each one. Then it watches the renewal date and shows your whole stack, so the forgotten ones surface.

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
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
Khata · money between people

Who owes whom — finally settled.

Lent a friend money over UPI? Paid for the group dinner? Khata keeps a running tab per person. One person can use several UPI IDs and a phone number — Khata rolls them all into one name, with cash entries too.

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
Yatra · trip tracker

Every spend from one trip, in one honest total.

Going somewhere? Make a Yatra for the dates, and pull every spend in that window into it — flights, hotel, the beach shack, the auto rides. One total for the whole trip, without disturbing your monthly view.

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
Merchant story

“How much have I actually spent on Swiggy?”

Tap any payment and see that merchant’s whole story — lifetime total, this year, this month, a month-by-month trail, and a Reality Check equivalent. No hunting through History.

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
  • 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
Debts, cards & EMIs

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

Home loan, personal loan, three credit cards, a BNPL you barely remember, and the ₹5,000 a friend owes you. WalletLoop tracks all of it with real amortization math — so nothing slips into interest unnoticed.

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 calculator for multi-debt scenarios
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
Budgets that don’t nag

A heads-up, not a red alarm.

Set a monthly limit per category and WalletLoop nudges you — once — at 50%, 80% and 100%. No shame, no red bars, no urgency tactics. It even forecasts where you’ll land by month-end so you can course-correct early.

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
Insights & Reality Check

Numbers that actually land.

₹8,400 on food delivery is an abstraction. Forty-five home-cooked meals is a decision. WalletLoop translates your spending into things your brain can weigh — and shows the pace, the trends, and where the month is really going.

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
  • 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
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

Calm light, cool grey, or full dark — whichever is easy on your eyes.

Split expenses

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

Calm by design

No streaks to break, no nagging, no manipulation. The brand is the absence of fintech tricks.

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