Expense tracker, credit card comparison & reward calculator for India

Spendzie is an SMS expense tracker that reads your bank alerts, runs a free reward calculator on your spends, and helps you do credit card comparison before you apply. See the rewards you are missing — in rupees, not jargon.

SMS expense tracker from bank alerts

Every bank and UPI SMS becomes a categorised expense tracker wallet. No manual entry, no statements to upload. Track food, shopping, fuel, bills, and travel spends automatically.

Free reward calculator for your monthly spends

Use the Spendzie reward calculator to estimate which credit card pays you most on food, shopping, fuel, and more — then see your yearly reward leak.

• Open the free reward calculator
• Find a credit card for your spends
• Personal loans and refinance options

Credit card comparison side by side

Run a credit card comparison on fees, lounge access, and earn rates by category. Add up to three cards and pick the one that fits how you spend.

• Credit card comparison tool
• Credit card rewards in India explained
• How to choose a credit card in India
• Bank SMS expense tracking guide
• Spendzie blog
• Track expenses from bank SMS
• Privacy policy

Private by design

Read-only access to transaction SMS. Encrypted in transit and at rest. Built for India's DPDPA 2023. Offers come from RBI-regulated partners only — Spendzie is not a lender.

Learn more from Reserve Bank of India and India's Ministry of Electronics & IT.