FidauraAutomatic expense tracker for India
SMS expense tracker: spends that log themselves, on your phone only
Your bank already texts you every time money moves. Fidaura reads those alerts on your device and turns them into spends, so you never type an expense again.
How automatic expense tracking from SMS works
Auto capture is your choice
Fidaura asks for SMS access only when you turn on Auto capture, with a plain explanation first. It is never a condition of using the app.
Only money messages get through
A transaction filter checks each message. Bank, credit card and UPI alerts pass. Personal chats, OTPs and promotions are ignored.
Read on your phone, not in the cloud
The amount, direction, merchant and bank are extracted on the device. The raw text of the message is never stored and never uploaded.
Logged the moment it lands
The spend shows up on your home screen with a category, and an Undo if you disagree.
The review queue: never guessed, never made up
Bank SMS formats are messy. When Fidaura is not sure a message is a transaction, or cannot read it cleanly, it does not guess. The message waits in a calm review queue where you can confirm it, correct it, or mark it as not a spend.
- Confirm everything that looks right in one tap.
- Fix an amount, merchant or category when it is wrong.
- Mark anything that is not a spend, and it stays out of your totals.
Manual mode, with no permissions at all
Prefer not to give any SMS access? Fidaura works as a regular manual expense tracker without a single permission: add a spend in three taps, keep budgets, see insights, split bills. You can switch Auto capture on whenever you like.
Which banks are supported?
Fidaura recognises alerts from major banks, card issuers and UPI apps, and more are added through updates. See the list of supported banks.
More: is it safe to give an expense tracker SMS permission?, how to track UPI spends automatically, and how Fidaura compares with other SMS expense trackers.
SMS expense tracker questions
Which SMS does Fidaura read?
Only bank, card and UPI transaction alerts. A transaction filter decides whether a message is a money movement. Personal chats, OTPs and promotions are ignored.
Is the SMS text sent anywhere?
No. Messages are parsed on your phone. The raw text is never stored and never leaves the device. Only the extracted facts — amount, direction, merchant and bank — are kept, in an encrypted database.
What if Fidaura cannot understand a message?
It waits in the review queue so you can confirm it, fix it or mark it as not a spend. Fidaura never guesses and never makes up a number.
Can I use Fidaura without giving SMS permission?
Yes. Manual expense tracking mode works fully without any permissions, and you can switch Auto capture on later.