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.
Each one earns its place by solving a real, everyday money problem — quietly, on your phone. Here’s how, with an example for each.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.”
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.
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.
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.
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.
₹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.
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.
Every feature above runs on one honest rule: your bank’s SMS is read where it already lives — on your device.
The raw message — account numbers, balances, everything — is read on your phone and never uploaded.
Amount, merchant, category — so you can restore on a new phone. Nothing that identifies the account leaves with it.
Full CSV, Excel and PDF export, and one-tap account deletion that takes the data with it.
The things you’d expect from an app that respects your money and your attention.
Your data is cached on the phone. Open the app on a flight and everything is still there; it syncs when you’re back.
A 4-digit PIN with fingerprint or face unlock. The PIN never leaves your phone.
Download everything as CSV, Excel or a formatted PDF report — monthly, quarterly, yearly or all-time.
Lakh and crore notation, ₹1,00,000 grouping, Indian date formats — money the way you actually read it.
The whole app speaks both, with more Indian languages on the way.
Calm light, cool grey, or full dark — whichever is easy on your eyes.
Share a bill across friends and track each person’s share.
No streaks to break, no nagging, no manipulation. The brand is the absence of fintech tricks.
We're rolling out invites to early users. Drop a note and we'll send a link the moment a slot opens.
Free to use · Android first · hello@walletloop.in