Every expense tracked.Every question answered.

Logs your spending from bank SMS and receipts, and answers questions about your money.

Balance logs your spending from receipts and bank alerts, keeps your bills and accounts in one place, and answers questions about your money, out loud.

Get it onGoogle PlaySee how it works

4.812 ratings on Google Play India

Free · No ads · No bank login · Android

Balance home screen with the Ask button for the AI assistant, total balance, money spent this month and top categories

Added ₹420 · Swiggy

now

Saved from HDFC Bank SMS

Ask Balance

“How much did I spend on food this week?”

You’ve spent ₹1,272 on food this week.

Ask Balance

“How much did I spend on food this week?”

You’ve spent ₹1,272 on food this week.

No bank login

Nothing to link

No ads

Never, on any screen

140+ currencies

Yours, set automatically

Encrypted

In transit and at rest

How it works

Capture. Understand. Ask.

Balance does the bookkeeping so you only have to glance, or ask.

01
Capture
SMS, scans or two taps
Bank SMS alerts log themselves. Or scan a receipt, or add a spend in two taps.
02
Understand
Sorted into clear charts
Every expense lands in a category and account. Your month builds itself into clear charts.
03
Ask
Answers, out loud
Wondering about anything? Ask Balance and hear the answer in seconds.

Watch · 3:09

See Balance in three minutes

A full walkthrough, from signing up to logging your first expense. Watch it before you install, or follow along on your phone.

Your bank texts you. Balance takes notes.

Turn on auto-capture and every debit or credit alert from your bank becomes a categorised transaction, without you lifting a finger.

Every bank alert becomes a categorised expense, automatically.

Messages · HDFC Bank

Rs.420.00 debited from A/c XX4821 on 06-Oct-26 to SWIGGY. UPI Ref 627849302114.

Read on your phone

Added ₹420.00 · Swiggy

now

Saved from HDFC Bank XX4821 SMS. Tap to review.

Today

Swiggy

13:12 · HDFC Bank · Food

−₹420

Optional · Android only · OTPs and personal SMS ignored

Logged the moment you pay
Amount, merchant, account and time are filled in. Confirm, edit or ignore in one tap.
Payment apps too
Allow notification access and payment-app alerts are picked up as well. You choose which apps.
Start with your history
Import recent bank SMS so your charts aren't empty on day one.
Private by design
Read on your phone. OTPs and personal messages are ignored, and the full SMS never leaves your device.

Optional and Android-only. Understands Indian bank alerts today, with more countries being added. You can always scan or add expenses yourself.

New · AI assistant

Ask your money anything.

No more digging through charts. Ask Balance a question in plain words and hear the answer, worked out from your own transactions.

Talk or type. Balance answers out loud, from your own records.

Speaking…

“How much did I spend this month?”

You’ve spent ₹33,537 this month.

Total spending

₹33,537 · 13 txns

▲ 35%

“And how much can I still spend?”

You’re on track: ₹33,537 of your ₹45,000 budget used (75%), ₹11,463 left.

Talk or type
Tap the orb and ask out loud, or type if you're somewhere quiet.
It answers out loud
Replies are spoken in a natural voice, and voice chats keep listening, hands-free.
Follow-ups just work
Ask “and last month?” and it knows what you mean. Unsure? It asks you back.
Numbers from your records
The AI only works out the question. Every amount comes straight from your own transactions.

How much did I spend on coffee last month?What's my biggest expense this week?How much can I still spend this month?Which bills are due next?How much did I save in September?Compare food this month vs last monthWhat are my subscriptions costing me?How much cash do I have?How much did I spend on coffee last month?What's my biggest expense this week?How much can I still spend this month?Which bills are due next?How much did I save in September?Compare food this month vs last monthWhat are my subscriptions costing me?How much cash do I have?

Example answers. Your figures come from your own records, in your currency.

Features

Everything about your money, in one calm place.

Built to be glanced at in seconds, and to stay out of your way the rest of the time.

Swipe to explore

Analytics & Roast Mode

Charts that talk back

See where the month went by category and merchant, plus a weekly roast when your food delivery gets out of hand. Chill or savage, your call.

Roast of the week

₹1,272 on food this week

Your kitchen has filed a missing-person report. Swiggy sends its regards.

Roast me moreSee activity

Top categories

This month

Shopping25%₹1,299
Food24%₹1,272
Groceries20%₹1,050
Transport16%₹768

Receipt scanning

Snap it, done

Photograph a bill or pick a payment screenshot. Balance reads the amount, merchant and date.

STARBUCKS

06 OCT 2026 · 08:55

Cappuccino220.00

Croissant120.00

TOTAL340.00

Read in 2 seconds

Starbucks

6 Oct · 08:55 · Food

−₹340

Bills & subscriptions

Nothing renews in secret

Recurring payments in one list, reminders before they're due, and a nudge about the ones you've stopped using.

Every month

₹1,196

Per year₹14,352

Netflix
Renews 6 Oct · ₹649/mo
Spotify
Renews 12 Oct · ₹119/mo
HotstarUnused?
Renews 24 Oct · ₹299/mo

Cancel Hotstar, which you marked unused, and save ₹3,588 a year.

Accounts & net worth

Every account, one number

Banks, cards, cash and savings side by side, with your net worth always up to date.

Net worth

₹1,66,070

BankCashSavings

HDFC Bank
Bank
₹52,340
ICICI Amazon Pay
Credit card
−₹8,420
Wallet
Cash
₹2,150
SBI Savings
Savings
₹1,20,000

Widgets
Home-screen widgets
Safe-to-spend, daily limit and savings, right on your wallpaper.
Works offline
Offline-first
Log on a flight or in the metro. It syncs when you're back.
Custom categories
Your categories
12 to start, add your own, remap any merchant.
140+ currencies
140+ currencies
Set automatically from your phone's region.
Bill reminders
Bill reminders
A nudge before rent, EMIs and renewals are due.
CSV export
Export anytime
Everything as CSV, in one tap.

Explore every feature

Privacy

Your money data stays yours.

Balance is built so it never needs the things that make finance apps risky.

No bank login
Encrypted
No ads, ever
SMS stays on your phone
Leave anytime
On Google Play

Is Balance safe?Privacy policy

No bank login
Balance never asks for your bank or card password and can't move money.
Encrypted
In transit and at rest. Receipt images only open for you.
No ads, ever
No advertising SDKs, no trackers, and your data is never sold.
SMS stays on your phone
Capture is optional. Only the amount, merchant, date and account are saved.
Leave anytime
Export to CSV or delete your account and backups from Settings.
On Google Play
Published on Google Play and checked by Play Protect.

FAQ

Questions, answered.

See all questions

What can I ask Balance's AI assistant?

Anything about your own money: how much you spent on food or coffee, your biggest expense, how much is left in your budget, which bills are due, what your subscriptions cost, your income and savings, or your account balances. It understands everyday phrasing, typos and accents.

Can I talk to it instead of typing?

Yes. Tap the orb and speak. Balance answers out loud in a natural voice, and in a voice conversation it listens again after each reply so you can keep going hands-free. You can type instead, or mute spoken replies.

Who makes Balance? There are other apps with the same name.

Balance is made by Clarzen. On Google Play it's "Balance - Expense Tracker" by Clarzen (package com.balanceapp.app). Other apps called Balance are from different developers and aren't connected to us. The Google Play button on this site always opens the right listing.

Does Balance read my SMS?

Only if you turn on automatic capture (Android). It reads bank transaction alerts on your phone and ignores personal messages, OTPs and promotions. The full message never leaves your device; only the amount, merchant, date and account are saved. Turn it off anytime.

Is Balance free?

Yes. Balance is free to download and use, with no ads. Everyday tracking, automatic capture, bills and subscriptions, accounts and CSV export are free, and it isn't a trial that runs out.

Know where your money goes.Starting today.

Free to download, no ads, no bank login. Set up in under five minutes.

Get it onGoogle Play

4.812 ratings on Google Play India

Balance - Expense Tracker · by Clarzen · iOS coming soon