iSpend: AI Money Manager & Expense Tracker
iSpend is an AI-powered money manager and expense tracker that automatically tracks spending, helps
plan your cash, manage budgets, and understand your spending habits.
iSpend is developed and operated by HEMOLINK PRIVATE LIMITED. It provides intelligent, automated on-device
financial tracking and expense management for individuals and groups with hardware-backed AES-256 encryption.
Zero raw SMS upload. OTP and private messages are never processed or stored.
Core Features & Capabilities:
- Automatic Expense Tracking: Instant on-device local bank SMS and alert parsing in less than
20ms.
- AI Cash Planning: Predictive monthly cash flow forecasting and liquidity planning.
- Smart Budget Guardrails: Adaptive category limits with proactive 50%, 80%, and 100%
threshold alerts.
- Spending Habits Analytics: Categorized breakdown of needs, wants, and investments to
eliminate silent money leaks.
- Group Splits & Bill Splitting: Mathematical debt minimization for roommates, trips, and
shared expenses.
- Chit Contribution Tracking: Offline personal contribution ledger under the Chit Funds Act,
1982.
- Privacy & Security: Local on-device processing, AES-256 encryption at rest, and complete
data deletion rights.
Download iSpend App |
Features |
Budget App |
Auto-Expense Tracker |
Security & Privacy |
How It Works |
Pricing |
About Us |
Contact Support |
Privacy Policy |
Terms of Service |
Grievance Desk |
Data Deletion