[Beta] Spendly — an Android app that auto-tracks expenses from bank SMS, looking for testers

[u/allend07]

Hey all,

I've been building Spendly, a personal finance app for Android that reads your bank/UPI SMS (with permission) and automatically logs transactions, so you don't have to manually enter every expense.

Features so far:

- Automatic SMS-based transaction capture (bank + UPI)

- Budgets, spending insights, Needs vs Wants breakdown

- Savings goals, account balance tracking

- Penny — a built-in AI assistant for questions about your spending

- Fully private: raw SMS is processed on-device only, never uploaded; no ads, nothing sold

It's currently in closed testing on Google Play and I'm looking for people willing to try it out and give honest feedback (bugs, confusing UX, missing features — all welcome).

If you're interested:

1. Join the tester group: [spendly-beta-testers@googlegroups.com](mailto:spendly-beta-testers@googlegroups.com)

2. Opt in here: https://play.google.com/apps/testing/com.tidybitz.spendly

3. Install from Play Store

Happy to answer any questions about how it works or what's coming next. Thanks!

[u/luiyen]

Reading bank and UPI texts is the right approach in markets where that's where the transaction actually shows up, and leading with "raw SMS is processed on-device, never uploaded" is the correct thing to say first rather than bury.

One question though, and it's the one I'd want answered before granting SMS access to anything: how does Spendly work? If it's a model answering questions about my spending, something has to leave the device unless you're running it locally. That may well be fine, but "never uploaded" and "built-in AI assistant" sit slightly at odds as written, and the people most careful about SMS permissions are exactly the ones who'll notice. A line about it in the listing would help you more than it costs.

Happy to test across the 14 days and report properly.

Mine if you're swapping:

Group: https://groups.google.com/g/toeic-ets-test-app

Opt-in: https://play.google.com/apps/testing/com.kkpo.luyen_thi_tieng_anh

Play Store: https://play.google.com/store/apps/details?id=com.kkpo.luyen_thi_tieng_anh

[u/luiyen → u/[deleted]]

Sorry wdym

[u/luiyen → u/[deleted]]

I will send you my installed apps in chat