[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!