S₹200
Shopping
UPI · 10 Sep · “50% off on bag”
RequiredOptionalImpulsive
Log the spend
Share the payment screenshot to Spenrol, or type it in. Check the category and tag it required, optional or impulsive.
Track every spend without giving up your SMS
Most expense trackers in India need to read your SMS to work. Spenrol doesn't. Share a payment screenshot or type the spend in, tag why you spent it, and your budget and Smart Spending Score update from what you've logged.
- No SMS access needed
- No bank login
- Free on Android
T₹245
Transport
UPI · 12 Sep, 9:58 am
RequiredOptionalImpulsive
What SMS access actually gives an app
Android's SMS permission can't be limited to bank messages. An app that has it can read OTPs, personal chats, verification codes and delivery updates too. Trackers say they only look at the financial ones, and you have to take their word for it.
Plenty of people won't grant that. They either go without a tracker, or install one, feel uneasy about it and stop opening it.
There's a second, smaller issue. When an app logs everything from SMS, you never look at a payment when it happens. The list fills up on its own, and the first time you think about that week's spending is when you open the app at month-end.
How it works without SMS
Spending mix · September 2026
- Required₹250
- Optional₹245
- Impulsive₹3,296
See the mix
The month splits into required, optional and impulsive. If ₹2,100 went on food and ₹1,400 of that was tagged impulsive, you know where to start.
Safe to spend today
₹853/day
₹16,209 left · 19 days to go
Know what’s safe to spend
Spenrol divides what’s left by the days left in the month, so you get one number to check before you pay.
Spenrol vs SMS-based trackers
| Feature | SMS-based apps | Spenrol |
|---|---|---|
| Reads SMS messages | Yes | No |
| Requires bank account link | Some | No |
| Sells or shares data | Varies | No |
| Intent tags (required/optional/impulsive) | — | |
| Smart Spending Score | — |
SMS-based apps include Walnut, MoneyView and ET Money. See the five-app comparison
No SMS permission needed
Free on Android. No card required.
Common questions
Something else? Write to [email protected]
Can I really track expenses without giving SMS access?
Yes. Spenrol doesn't need SMS permission. You add each spend yourself, either by sharing the payment screenshot (read on your phone, not uploaded) or by typing it in, and tag it required, optional or impulsive.
Where is my data stored?
Your transactions are stored on Spenrol's servers against your account. They're never sold, shared or used for advertising.
Is it available on iPhone?
Not yet. Spenrol is free on Google Play for Android. Join the iPhone waitlist and we'll email you once, when it's ready.
What is the difference between Spenrol and Walnut?
Walnut (now axio) reads your SMS and builds your spending history automatically. Spenrol reads nothing on its own: you share or type each spend. That's more effort, but no app sees your messages, and you look at every spend at least once.
Does manual logging actually work long term?
For some people, yes. It works best when logging is quick, so sharing a screenshot takes about ten seconds, and Spenrol nudges you if a few days go by with nothing logged. Tagging a spend impulsive, one at a time, is also a reminder of how often it happens.
- downloads
- 200+
- expenses logged
- 1,500+
- of spending tracked
- ₹9.5L+
“Being able to classify expenses as Required, Optional, or Impulsive makes it easier for me to understand my spending habits. It also makes me think twice before spending on something impulsively.”
Start tracking without the SMS permission
Free on Android, with no SMS access and no bank login.
Scan to download on your phone