iSpend – AI Expense Tracker & Budget App | Money Management
Automatically track expenses, manage budgets, understand spending, and organize shared finances in one place. Powered by on-device AI & AES-256 encryption.
iSpend is an intelligent financial management and expense tracking platform owned and operated by Hemolink Private Limited. It automatically logs eligible bank transactions using on-device regex/NLP parsing with AES-256 encryption. Zero raw SMS upload. OTP and verification messages are filtered before transaction extraction. Manage budgets, split group bills, and track personal chit contributions safely.
Key Features:
- Automated Expense Tracking: Instant on-device local bank SMS and notification parsing.
- Smart Budget Guardrails: Proactive 50%, 80%, and 100% threshold budget alerts.
- Spending Habits Analytics: Categorized breakdown of your income and expenditure.
- Shared Bills & Roommate Splits: Mathematical debt minimization for group expenses.
- Chit Contribution Tracking: Offline personal contribution ledger under the Chit Funds Act, 1982.
- Privacy & Security: AES-256 encryption at rest, TLS 1.3 in transit, and complete data deletion rights.
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