UPI made spending invisible — but every payment you make still writes one bank SMS. WalletLoop reads it on your phone and files it, automatically. Watch it happen →
PhonePe for the chaiwala, GPay for the auto, cards, net-banking — every one of those payments already writes one bank SMS. That's the thread WalletLoop pulls. Here's an ordinary day, with you doing almost nothing:
Merchant memory. You renamed it once, months ago. Zero taps since.
Instant heads-up the moment the SMS lands — even with the app closed.
The card loop. Outstanding drops, reminder clears — one tap.
Bills match themselves — rent, maid, gym. It asks; it never assumes.
Khata. Every "I'll pay you back", remembered for you.
The month ends like a statement — the shape, the movers, the win.
Tracking isn't about guilt or spreadsheets. It's about seeing the numbers that are invisible one transaction at a time.
₹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.
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.
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.
Grant the one permission and the month you already lived appears in seconds — categorized, day by day. You approve every entry before it lands. Nothing imports itself.
Pay from your bank app or CRED, and the confirmation SMS becomes one tap: the card’s outstanding drops, the cycle closes, the due reminder clears. Swipes attribute to the exact card they came from; statement SMS set the next bill and due date automatically.
₹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.
Netflix, Spotify, gym, that VPN — auto-detected from recurring patterns, with yearly projections so the small ones stop hiding.
Trains, basements, dead zones — the app keeps working on cached data and syncs quietly when you're back.
4-digit PIN with fingerprint or face unlock. Your money screen is yours alone, even on a shared phone.
Lakhs and crores, ₹1,00,000 formatting, English + Hindi, Indian date formats. Not a Western app with the currency swapped.
No red bars, no shame, no urgency tactics — even the streaks forgive a missed day. Just the picture; you decide what to do with it.
Full CSV, Excel and PDF export any time. Delete your account and everything goes with it — as the DPDP Act requires.
Trip with friends? Split any expense across the group and track who's settled up — without a second app.
Warm light, cool grey, dark, or true-black OLED — four themes, all designed to stay calm at 1 AM bill-checking hours.
Home loan, three cards, a BNPL, the ₹5,000 a friend owes you — real amortization math, utilization, due dates, and a consolidation calculator.
A rent-sized payment near the due date gets one question — "Is this your ₹16,000 Rent?" One tap logs the bill, even to a landlord's personal UPI.
Most fintech apps monetize you. WalletLoop's only business model is the app itself — so here's exactly, honestly, what happens to your data.
No bank logins to connect. No statements to upload. The record is already on your phone.
One permission, one job: reading transaction SMS from bank senders. Not OTPs, not personal messages — and Android's permission system enforces what we can see.
WalletLoop reads your recent bank SMS on-device and lays out a month of your money — categorized, day by day. You approve every entry before it lands. Nothing imports itself.
Subscriptions you forgot. EMIs due next week. Where the month actually went. Just the picture — no nagging, no red bars, no urgency tactics.
The shape of the month, the biggest movers, and the win — because WalletLoop celebrates what you saved, not what you spent. Then it starts again, quietly.
“I built WalletLoop because I wanted to see my own money clearly, and nothing on the market would let me — the best tracker around had become a lending funnel. The line I won’t cross is the whole point: your SMS is parsed on your phone, and nobody monetizes you but you.”
— Phanindra, founder
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.
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.
No — WalletLoop never sells, rents or shares your transactions with advertisers, data brokers, or anyone else. The only outside services involved are the ordinary cloud infrastructure that runs the app: secure sign-in, an encrypted database hosted in India, and crash reporting (with your PIN and tokens stripped out). They process data only to keep the app working — they never receive your raw SMS, and they don't monetize anything. The one exception is fully opt-in and off by default: if you choose, you can share an anonymized merchant name and the category you picked, so the app recognizes that shop for everyone next time. Even then we never share amounts, dates, accounts, or anything that identifies you.
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.
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 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.
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.
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.
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