Financial clarity
without compromise.
Spendly tracks every UPI payment you make, automatically — without ever seeing your bank credentials, your OTPs, or anything personal. All your data stays on your device.
Spendly
On-device
Meet Spendly.
Spendly tracks your UPI spending automatically. It reads only the transactional confirmations your bank sends after each payment. No login, no OTPs, no manual entry.
Spendly
Your spending,
automatically organized.
- Reads only the bank SMS you get after a UPI payment. Never your personal messages or OTPs.
- Auto-categorises every transaction by merchant and category.
- All analytics run on-device. Your data never leaves your phone.
- Works with every UPI app: GPay, PhonePe, Paytm, BHIM, and more.
Every other expense tracker asks for too much.
Most expense trackers in India ask for your bank login or OTP. They can see every rupee you have ever spent. So can anyone who breaches their servers.
Require net banking credentials or OTP. One breach and your entire financial history is exposed.
Require you to remember and type every expense. Most people give up within a week.
Reads only UPI transaction confirmation SMS. No bank access, no passwords, no manual work. Private by default.
Designed for India.
Built for how Indians actually use UPI. Spendly reads only the transactional signals your bank sends after each payment.
Works with every UPI app
GPay, PhonePe, Paytm, BHIM. Spendly reads transaction confirmations from any app that sends UPI spend signals. One app to track spending across all of them.
Automatic categorisation
Swiggy, Zomato, Uber, electricity bills. Spendly recognises merchants and categorises spending automatically. No tags, no manual sorting, no effort.
Private by design
Every byte of your financial data stays on your device. Optional encrypted backup uses client-side encryption. We physically cannot read your data.
Your spending, shareable.
Spendly Wrapped turns your monthly and yearly spending into beautiful, Instagram-ready cards. Think Spotify Wrapped, but for your UPI transactions.
Pick a theme, customise your data, and share your spending story with friends. Zero effort, maximum impact.
Privacy is not a feature. It is the foundation.
Privacy is not bolted on after the fact. Every engineering decision starts from one constraint: your data stays yours.
On-device processing
All transaction categorisation and analytics run on your phone. Zero financial data ever touches our servers. This is not a feature. It is a hard constraint.
Read-only architecture
Spendly reads UPI transaction confirmations only. It cannot access your bank account, initiate payments, or modify anything on your device. Permission boundaries are strictly enforced.
Client-side encryption
Optional cloud backup encrypts your data before it ever leaves your device. We physically cannot read it even if we wanted to. Zero-knowledge by default.
Financial clarity should not cost you your privacy.
Clearflow Digital is an Indian product studio building privacy-first financial intelligence tools. Our thesis is simple: India's 500 million UPI users deserve to understand their spending without surrendering their bank credentials or personal data.
Every product decision starts from one question: "Would I trust this with my own family's data?" We are DPDP Act 2023 compliant and built on an on-device-first architecture.
A market ready for change.
India's UPI ecosystem processes over 14 billion transactions per month. Yet there is no privacy-first financial intelligence tool at scale.
Trusted by users who value their privacy.
500+ are on the waitlist for Spendly's private beta.
"I have been waiting years for an expense tracker that does not ask for my bank password. Spendly is exactly what I needed."
"I can see exactly where my money goes every month without giving anyone access to my bank account. That is the whole reason I trust Spendly."
Moving money is easy.
Understanding it should be too.
Clearflow Digital is building the privacy-first financial intelligence platform India's 500 million UPI users deserve. No dark patterns, no data brokering, just honest tools that respect your data.