Automatic capture
Every bank and card alert becomes a transaction, categorised, with the account it hit. 62 Indian banks. Read on the device — the message never leaves it.
Personal finance for India · Android
Know where every rupee goes, before it’s gone.
WealthMonk turns the bank SMS already on your phone into a live picture of your money — spending, bills, credit cards, net worth and your path to financial independence. Parsed on your device. Never uploaded.
Coming soon on Google Play Watch it work
- Your SMS never leave your phone
- 62 Indian banks & card issuers
- No products sold, no commissions
AD-HDFCBK-SRs.277.00 spent … at ZOMATO
−₹277Groceries · •••• 5582
HDFC card settledConfirmed by the bank’s SMS
- 62Indian banks & card issuers recognised by their registered sender IDs
- 1,000+merchants named and categorised automatically
- 0SMS message bodies uploaded — parsing is on-device by design
- ₹0earned from commissions. No funds, loans or insurance sold
Watch it work
From a text message to the whole picture, in four moves.
This is what happens, on your phone, the second a bank alert arrives. Steps 2 to 4 are the real app.
Today
INR 277.00 spent on Card XX5582 at ZOMATO on 03-Oct-26. Avl Limit INR 1,24,300.00. Not you? Call your bank.2:55 PM
Text message
Real screens from the app, with names and numbers changed. Scroll the phone to explore.
Why it’s different
Most money apps make you give something up.
Your time, your privacy, or the plain truth. WealthMonk is built so you don’t have to choose.
Privacy, kept
Parsed on the phone. No bank login, no uploaded messages.
Effort, none
It reads the alerts your bank already sends, in the background.
Honesty, built in
No products to sell, so no reason to flatter your numbers.
Swipe the table sideways to compare →
| What you care about | That’s usWealthMonk | Apps that upload your SMS | Bank-login & aggregator apps | Spreadsheets & manual trackers |
|---|---|---|---|---|
| Where your bank messages are read | On your phone. The text is never uploaded. | On the company’s servers | Not read. Data is pulled from your bank | Not read. You type everything |
| Needs your net-banking login or data-sharing consent | No. Nothing to connect | No | Yes, and it can lapse or break | No |
| Effort after setup | None. Runs in the background | None | Low, until a link needs renewing | Every transaction, by hand |
| Credit cards | Recognised from the SMS and counted as debt, never as savings | Often lumped in with spending | Depends on the feed | However you set it up |
| Shows what an unpaid card will cost in interest | Yes, with a nudge when idle cash could clear it | Rarely | Rarely | Only if you build the formula |
| Bills marked paid | By the bank’s own confirmation SMS | Usually by hand | Varies | By hand |
| Earns commission on what it recommends | Never. Sells no funds, loans or insurance | Many earn referral fees | Many earn referral fees | No |
| Gives you the bad news | “Not Fundable.” Interest shown. A negative net worth is a minus sign | Varies | Varies | Up to you |
These describe categories of app, not any specific product, and individual apps differ. A tick means the behaviour is good for you, not that the cell says “yes”. How WealthMonk keeps its side of this is documented on the Security page.
Inside the app
Ten real screens. One ledger underneath.
These are screenshots of the app itself, scrollable, with names and numbers changed. Every number on every screen is computed from the same transactions, so they never disagree.
Your money at a glance.
Net worth, what you spent and earned this month, your latest transactions, and cards for goals, FIRE and bills.
Hide income with one tap, and reorder the cards to suit you.
How much can I spend today?
This month’s spending against your budget, then income, budget and safe-to-spend per day, with your top category and spend trend beneath.
Safe-to-spend is recomputed with every bank alert.
Every transaction, searchable.
Transactions, categories and merchants in one place, with search and filters for credits, debits and transfers.
The account, card and category are already filled in from the SMS.
Bills that mark themselves paid.
Card statements, EMIs, subscriptions and utilities, read from SMS and ordered by due date.
The bank’s own confirmation closes the bill. You never tick it off.
Cards that never quietly cost you.
Each credit card as its own card, with what is due and whether it is settled.
Interest is estimated from the card’s own rate wherever you have entered one.
A net worth that means what it says.
Accounts, cards, investments and loans together, with a breakdown of where the value sits.
Cards and loans are liabilities. They are never counted as savings.
Goals judged honestly.
Each goal is marked on track or behind, with the shortfall and the monthly amount that fixes it.
Behind schedule? It says so, and shows what it would take.
Your path to financial independence.
Your FIRE number, your corpus today and the years to go, with what-if scenarios and a year-by-year projection.
Built from your real expenses and SIPs, with every assumption editable.
Debt-free, sooner.
All your loans in one place, an avalanche or snowball payoff order, and a simulator for extra payments.
Roll each cleared EMI into the next loan and watch the date move.
A health score and a decision.
Your financial-health grade, card health, and alerts that name the amount and the fix.
Every insight names the one thing it is asking you to decide.
Pick a tab, then scroll the phone. Names and numbers are changed.
See it work
Four questions, answered live.
Guided tours of the real app screens, with the actual calculation shown at every step. Nothing hidden, nothing hand-waved.
Where did every rupee go?
A bank alert becomes a categorised entry, with duplicates and your own transfers handled.
Watch itWhat am I actually worth?
Assets minus liabilities, with cards counted as debt and the arithmetic in plain sight.
Watch itHow do I clear debt sooner?
Avalanche or snowball, plus an extra payment, and the date it pulls forward.
Watch itWhen can I be financially free?
Your real spend, your FIRE number and the years to reach it, step by step.
Watch it How it works
Three steps. Then it runs itself.
No bank logins, no account aggregator, no spreadsheets. The alerts your bank already sends are the source of truth.
- 1
Sign in with your number
A one-time code by SMS. No password to remember, no email required.
- 2
Allow SMS access — on your terms
The app explains exactly what it will read and what stays on the phone before it asks Android for permission.
- 3
Watch the ledger fill itself
Months of history import in one pass. New alerts land as they arrive, in the background, even overnight.
What it does
One ledger. Every question you have about your money.
Spending, bills, cards, net worth, goals and the long game — computed from the same transactions, so the numbers agree with each other.
Bills that pay attention
Card statements, EMIs, premiums and utilities are read from SMS, reminded before they’re due, and marked paid by the bank’s own confirmation — not your memory.
Credit-card interest shield
Statement vs. minimum due, what’s still owed after part payments, and the rupee cost of revolving — with a nudge when idle cash could clear a card.
Net worth, honestly
Accounts and cards kept apart, investments out of your expenses, loans that know when they end. One number that means what it says.
Goals that tell the truth
On Track, At Risk, Behind — or Not Fundable, when your surplus can’t carry it. WealthMonk says so, and tells you when a goal slips.
Plan the long game
FIRE corpus and SIP projection, tax exposure, debt payoff strategy, insurance adequacy and a single financial-health score: spend, save, borrow, protect.
Bills & cards
Bills that settle themselves. Cards that never quietly cost you.
A card statement appears in Upcoming the moment the issuer’s SMS lands. When you pay it, the bank’s own confirmation marks it paid — in Bills, on the home card and in Card Health, all at once.
- Reminders that fire three days before and on the due day, even if the app is closed.
- Two numbers, two questions: total outstanding, and what’s left of this statement after part payments.
- The wrong-pocket alert: idle savings sitting next to a card balance about to revolve at about 45% a year, GST included.
- Offline-first. Mark a bill paid in a lift; it syncs when you’re out.
Net worth & goals
A net worth you can trust, because the arithmetic is strict.
Most trackers add a credit card to your savings and count a SIP as spending. WealthMonk identifies cards from the SMS itself, keeps investments out of expenses, and anchors balances to what your bank last stated.
- Nine asset classes — from mutual funds and EPF to gold and property — with monthly contributions tracked.
- Loans that know when they end, from the EMI and tenure in your own alerts.
- Goals judged twice: on schedule and on affordability against your real monthly surplus.
- A negative net worth is stated, not hidden or coloured red. It’s just a number to move.
Insights & planning
One health score. Four honest verdicts.
Spend, save, borrow, protect. Each is scored from your own ledger, and every insight arrives with the one decision it is asking you to make.
- FIRE calculator — corpus needed, the SIP that gets there, and how far you already are.
- Tax dashboard — where you stand against 80C, 80D and the rest, from what you actually paid.
- Debt manager — avalanche or snowball, with the interest each saves.
- Insurance check — cover adequacy from income and dependants, with no policy to sell you.
- Subscriptions suggested only when a charge really recurs — never guessed.
Built like a vault
The interface is the vault. Only the numbers glow.
A finance app that reads SMS has one promise to keep before any other. Here is how WealthMonk keeps it — in the code, not just the policy.
Parsed on the device
The SMS parser, the 62-bank registry and the merchant dictionary all run on your phone. There is no server that ever sees a message.
A digest, never the text
The server keeps a SHA-256 fingerprint of each alert to prevent duplicates. It cannot be reversed into the message — the schema has no column for it.
Locked on the phone
Encrypted local database, keys in the Android Keystore, biometric lock on return, and screenshots blocked on every financial screen.
Gone when you say so
Delete Account removes every row on the server and every byte on the phone in one tap. No “30-day retention” fine print.
Why we built it
An app with no reason to mislead you.
No distribution, no commission
WealthMonk sells no mutual fund, loan, card or policy. Every recommendation is computed from your numbers, with nothing behind it.
No bank logins, no aggregator
We never ask for net-banking credentials or Account Aggregator consent. The alerts your bank already sends are enough.
Honest math over comfortable math
A goal you can’t fund says “Not Fundable”. A card you haven’t paid shows the interest. A negative net worth is a minus sign.
Questions
Straight answers.
Does WealthMonk read all my SMS?
It asks Android for SMS access, then looks only for transaction alerts from banks and card issuers — messages that carry an amount, a direction and a masked account. OTPs, personal messages and anything not from a bank are skipped by the parser and never stored.
Parsing runs entirely on your phone. The message text is never uploaded. See Security & privacy for exactly what is and isn’t transmitted.
What actually gets saved to my account?
Only what a transaction needs: amount, merchant, date, category, the last four digits of the account, and an anonymous SHA-256 fingerprint of the alert so the same one is never imported twice. Never the message, never a balance from the SMS, never an OTP.
Which banks work?
All 62 banks and card issuers registered on India’s DLT sender system — every public-sector, private, small-finance and payments bank, the major foreign banks and American Express. If a format isn’t recognised yet, the app lets you send its shape (digits and names already stripped) so we can add it.
Is it free? What’s the catch?
WealthMonk is free to use. It sells no funds, loans or insurance and earns no commission from any recommendation — so nothing in the app has a reason to steer you.
Does it work on iPhone?
Android is the primary platform: iOS does not let any app read SMS, so automatic capture is Android-only. An iOS build with manual entry and the planning tools is on the roadmap.
Can I delete everything?
Yes — Profile → Delete Account removes your profile and every transaction, budget, goal, bill and asset on the server, then wipes the phone. It takes seconds and cannot be undone. Details on the account deletion page.
More on the support page.
Your money, finally in one honest picture.
Free on Android. Reads your bank SMS on the device, never uploads them, and never sells you a product.
Coming soon on Google Play How your data is handled
