No SMS Access
An expense tracker that never touches your messages
Many Indian finance apps read your SMS to auto-detect bank and UPI alerts. It's convenient — and it means an app is parsing every message on your phone.
Balance takes a firm line: no SMS permission, ever. Your inbox stays yours, and your expenses get tracked by scanning or a couple of taps instead.
Free · No ads · Made in India · Android (iOS coming soon)
Why no SMS access is worth the small trade-off
SMS-reading apps see far more than bank alerts — OTPs, personal messages, and everything else in your inbox pass through their parser. Declining that permission removes a large, invisible privacy risk.
In exchange you add transactions yourself. With receipt and UPI-screenshot scanning, that's usually a two-second confirmation, and it captures cash spends that SMS parsing can never see.
Frequently asked questions
Does Balance need SMS permission to detect transactions?
No. Balance never requests SMS access. You capture expenses by scanning receipts or UPI screenshots, or by adding them manually.
Does Balance connect to my bank?
No. Balance never asks for a bank login, net-banking credentials, or SMS access. You add transactions yourself — by scanning a receipt or UPI screenshot, or entering them manually — so nothing sensitive is exposed.
How does it detect subscriptions without reading SMS?
Subscription radar looks for recurring patterns in the expenses you log — not in your messages — and flags debits that repeat monthly, quarterly or yearly.
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