The problem

Your money is scattered across every app you use.

PhonePe for the chaiwala, GPay for the auto, Paytm for the recharge. A UPI app for rent, a wallet for the metro, two or three cards, net-banking for bills. A dozen apps, each holding one sliver — and not one of them shows the real monthly total. So nobody knows it.

PhonePe

GPay

Paytm

Cards

Bank apps

& many more

But every one of those payments triggers one bank SMS. That's the thread WalletLoop pulls — one quiet, complete record of your money, already sitting on your phone.

Why track at all

Small leaks sink big budgets.

Tracking isn't about guilt or spreadsheets. It's about seeing the numbers that are invisible one transaction at a time.

₹65,700 / year

The everyday leak

₹180 a day on chai, snacks and autos doesn't feel like anything. Multiplied by 365, it's a return flight to Europe. The math only lands when something adds it up for you.

₹199 × forever

The quiet subscriptions

One OTT you stopped watching, one VPN, one app you forgot — small auto-debits compound into thousands a year. They survive precisely because nothing surfaces them.

Day 18 of 30

The pace problem

Most people discover they've overspent on the 30th, when it's too late to do anything. Knowing your daily pace on the 18th changes the decisions you still have time to make.

You don't need more discipline. You need visibility — the discipline follows on its own.

What it does

Everything you spend, in one calm place.

Transactions appear by themselves — already categorized.

The moment a bank SMS arrives, WalletLoop parses it on your phone and files it: amount, merchant, category. You confirm with one tap — or just let it flow.

100+ SMS formats across 30+ Indian banks, parsed in under a second
UPI VPAs become real merchant names — not cryptic payment strings
OTPs, balance alerts, offers and spam are ignored — only money that actually moved counts
Manual entry still works for cash — two taps and done

✉

SMS arrives"Rs.427 spent on HDFC card at SWIGGY…"

↻

Parsed on your phone₹427 · Swiggy · HDFC · 2:14 PM

✓

Filed as Food & DiningHigh confidence · one tap to confirm

UNDER 1 SEC

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 correctly. The app molds itself to your money, not a generic template.

Merchant memory learns from every correction you make
25,000+ known Indian merchants categorized out of the box
An on-device model picks up your personal patterns over time

BHARATPE9G2F@YBL₹20 · UPI · uncategorized

✎

You rename it "Corner Tea Stall"and tag it Food & Dining

REMEMBERED

✓

Next time, zero tapsCorner Tea Stall · Food & Dining · automatic

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.

EMI schedules + prepayment calculator — see what paying early actually saves
Card utilization + due dates so nothing slips into interest
Consolidation calculator for multi-debt scenarios
Personal debts — both directions, you-owe and owed-to-you

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

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.

Reality Check — your spending in physical equivalents
Spending Pace — under, on-track, or over, mid-month when it matters
Budgets that don't nag — one quiet nudge at 50 / 80 / 100%, never red bars
Trends + breakdowns — daily to yearly, by category and by account

"Your Swiggy this month = 45 home-cooked meals."

SPENDING PACE

On track

₹1,406/day vs ₹1,600 budget

FOOD BUDGET

42% used

quiet nudge at 50%

SUBSCRIPTIONS

₹1,047/mo

₹12,564 yearly projection

VS LAST MONTH

−12%

eating out less

Subscription radar

Netflix, Spotify, gym, that VPN — auto-detected from recurring patterns, with yearly projections so the small ones stop hiding.

Works offline

Trains, basements, dead zones — the app keeps working on cached data and syncs quietly when you're back.

PIN + biometric lock

4-digit PIN with fingerprint or face unlock. Your money screen is yours alone, even on a shared phone.

Built for ₹

Lakhs and crores, ₹1,00,000 formatting, English + Hindi, Indian date formats. Not a Western app with the currency swapped.

Calm by design

No red bars, no streaks, no guilt mechanics, no gamification. Just the picture — you decide what to do with it.

Your data, exportable

Full CSV, Excel and PDF export any time. Delete your account and everything goes with it — as the DPDP Act requires.

Split expenses

Trip with friends? Split any expense across the group and track who's settled up — without a second app.

Dark mode

Warm light, cool grey, or full dark — three themes, all designed to stay calm at 1 AM bill-checking hours.

Privacy, precisely

Raw SMS never leaves your phone.

Most fintech apps monetize you. WalletLoop's only business model is the app itself — so here's exactly, honestly, what happens to your data.

Your SMS is read on this device only

Parsing happens in the app, on your phone. The raw text of your messages is never uploaded, never stored on a server, never seen by us.

Only the parsed transaction syncs

Amount, merchant, category, date — that's what reaches your account, so your data survives a lost phone and works across devices. Never account numbers, never card numbers, never message text.

You stay in control

Export everything as CSV, Excel or PDF whenever you like. Delete your account and every record is erased — your rights under the DPDP Act, built in as features.

Read the full privacy policy

WHAT WE WILL NEVER DO

No ads. Your attention isn't the product.
No selling data. Not anonymized, not aggregated, not ever.
No loans pushed. No BNPL upsells, no "pre-approved" spam, no lending funnel. This is the line other apps crossed.
No OTPs read. The parser targets bank transaction senders. Your conversations and codes are invisible to it.
No third-party ad or analytics SDKs. Crash reporting only.
No holding your money. WalletLoop is a mirror, not a wallet. Payments stay in your apps.

Why this exists

Built because nothing else worked.

I built WalletLoop for myself. No Indian expense tracker handled the reality of modern Indian digital spending. UPI scattered my transactions across PhonePe, GPay, Paytm and credit cards — five apps, no single picture.

Walnut — once the gold standard — was acquired and became a lending funnel. Foreign apps can't parse Indian bank SMS reliably. CRED only sees credit cards. Everyone else wants to sell you a loan.

After months of building and using it every single day, friends started asking for it. The decision to launch came from genuine demand, not a market thesis.

The promise is simple and rare in Indian fintech: raw SMS is parsed on your phone and never uploaded; only the parsed transactions sync to your account — and nobody monetizes them but you. No ads, no loans, no data sales. If WalletLoop ever charges you, it'll be honestly: a Pro tier you choose, and that's the only revenue there will ever be.

— Phanindra, founder

Questions, answered

The things people ask first.

Does WalletLoop read my OTPs or personal messages?

No. The parser targets transaction SMS from bank sender IDs and explicitly rejects OTPs, balance alerts, offers and reminders. Personal conversations are never touched, and raw SMS text never leaves your phone.

What exactly is stored on WalletLoop's servers?

Only the parsed transaction: amount, merchant name, category and date — so your data survives a lost phone. Never raw SMS text, account numbers, or card numbers. The full detail is in our privacy policy.

Which banks are supported?

30+ Indian banks including HDFC, SBI, ICICI, Axis, Kotak, Yes Bank, IndusInd, IDFC First, PNB, Canara, Bank of Baroda and Federal — plus a universal fallback that handles long-tail banks. If your bank sends transaction SMS, WalletLoop will almost certainly catch it.

Is it free?

The core tracker — SMS detection, categorization, debts, subscriptions, budgets, insights — is free, and stays genuinely useful forever. An optional Pro tier will come later for power features. Pro subscriptions are the only revenue model: no ads, no data sales, no lending commissions.

Android or iPhone?

Android first — that's where SMS-based detection works best. An iOS version is planned; manual tracking and the rest of the app will work there, with detection adapted to what Apple allows.

What happens if I delete my account?

Everything is erased — transactions, debts, budgets, settings, the lot — in line with the DPDP Act. You can export your full data as CSV, Excel or PDF first. There's a dedicated deletion page that walks through it.

Does it work without internet?

Yes. SMS parsing is on-device so detection works offline; the app serves cached data when you have no signal and syncs quietly when you're back online.

Make your digital spending feel as real as cash.

Your money is scattered across every app you use.

Small leaks sink big budgets.

The everyday leak

The quiet subscriptions

The pace problem

Everything you spend, in one calm place.

Transactions appear by themselves — already categorized.

Correct it once. It remembers forever.

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

Numbers that actually land.

Subscription radar

Works offline

PIN + biometric lock

Built for ₹

Calm by design

Your data, exportable

Split expenses

Dark mode

Raw SMS never leaves your phone.

WHAT WE WILL NEVER DO

Set up once. Then it just runs.

Grant SMS access

Watch 30 days appear

See patterns you'd miss

Built because nothing else worked.

The things people ask first.

Your money already writes to you.
Start reading it.

Your money is scattered across every app you use.

Small leaks sink big budgets.

The everyday leak

The quiet subscriptions

The pace problem

Everything you spend, in one calm place.

Transactions appear by themselves — already categorized.

Correct it once. It remembers forever.

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

Numbers that actually land.

Subscription radar

Works offline

PIN + biometric lock

Built for ₹

Calm by design

Your data, exportable

Split expenses

Dark mode

Raw SMS never leaves your phone.

WHAT WE WILL NEVER DO

Set up once. Then it just runs.

Grant SMS access

Watch 30 days appear

See patterns you'd miss

Built because nothing else worked.

The things people ask first.

Your money already writes to you.Start reading it.

Your money already writes to you.
Start reading it.