Spendly by Clearflow Digital
Your UPI spending,
automatically tracked.
Spendly reads the UPI confirmation messages your bank sends after each payment and turns them into clear monthly breakdowns, trends, and insights. No bank login. No OTPs. No manual entry.
Spendly
Get Spendly on Google Play
Download the app from the Play Store, then sign in to your dashboard to track your UPI spending, view insights, and manage your account.
Everything you need,
nothing you don't.
Smart categorisation
Automatic grouping of spends into meaningful categories. Spendly learns your habits to provide better summaries every week, identifying merchants and transaction types with high precision.
Trends & Insights
Spot spending habits before they become problems with weekly summaries.
Needs Spend Signal permission
Spendly requires permission to read UPI transaction confirmations from your bank. It only reads these, never personal messages or OTPs.
Bank spend signals only
We only read UPI bank confirmations. No personal chats, OTPs, or other messages.
Free + Premium (planned)
Start free at launch. Unlock advanced analytics and PDF exports with a Premium plan.
Three steps. That's all.
Sign in to your dashboard
Open your Spendly dashboard to track UPI spending, view categorized insights, and manage your account, all with zero bank access required.
Pay via any UPI app
Use GPay, PhonePe, Paytm or whatever you like. Spendly reads the UPI confirmation, not your app.
See your insights
Categories, weekly trends, and spending summaries appear automatically. No manual entry ever.
Spendly reads only UPI transaction confirmations. It does not process payments, store raw SMS text, or share your data. Only structured, analysed metadata is stored in Clearflow's secure cloud (when Cloud Backup is enabled). Premium subscriptions are billed through Google Play.
Turn your spending into shareable art.
Spendly Wrapped generates beautiful Instagram-ready cards from your monthly or yearly spending data. 8 themes, custom colours, one-click sharing.
Create your WrappedThe only UPI tracker that needs nothing from your bank.
| Feature | Spendly | Walnut | CRED | Manual trackers |
|---|---|---|---|---|
| Needs bank login / OTP | Never | Required | Required | - |
| Reads UPI confirmations | Read-only | Full SMS access | - | - |
| Auto UPI tracking | Automatic | Yes | Partial | Manual |
| Works with all UPI apps | All apps | Partial | Partial | Yes |
| Free to start | Free | Free | Free | Free |
| On-device processing | Yes | Cloud | Cloud | - |
| No entry effort | Zero effort | Auto | Partial | Manual entry |
GPay, PhonePe, Paytm and more. Automatically.
Any app that sends UPI transaction confirmations works with Spendly automatically.
Got questions? We have answers.
Does Spendly need my bank login or password?
No bank login, no OTP, no passwords. Spendly does request SMS read permission — limited to UPI transaction confirmations only. It never reads personal messages, OTPs, or non-financial SMS.
Which UPI apps does Spendly support?
All of them. GPay, PhonePe, Paytm, BHIM, Amazon Pay, Groww Pay, any app that sends UPI transaction confirmations is automatically tracked.
Is Spendly free to use?
Spendly is free to download. Core tracking features are free. Premium analytics are available at ‐59/month or ‐499/year.
Does my spending data go to the cloud?
Spendly is built on an on-device analytics vision. Processing happens on your phone. Check the Privacy Policy and Security page for full details.
I'm a student - is Spendly useful for me?
Absolutely. Spendly is designed specifically for students and young professionals in India who use UPI daily and want to understand where their money goes without any effort.
Can I delete my data?
Yes, at any time. Spendly provides full data deletion options in-app and via the Data Deletion page.
What's coming next.
Spendly is just the beginning. Our mission is to build a suite of tools that empower users with data intelligence without compromising their digital sovereignty.
Spendly v2.0
Integration with smart budgets, subscription auto-detection, and multi-device sync.
Status: Q2 2026
Built different by design.
Every layer of Spendly was built from scratch around one constraint: zero access to your data.
Signal Layer
- Reads UPI transaction notifications only
- Zero SMS or notification history access
- No network calls - data never leaves the device
On-Device Engine
- Local ML categorizes every transaction
- Pattern detection runs on-device, offline
- Encrypted SQLite - zero cloud egress
You Control
- All data deletable - one tap, no traces
- Optional encrypted export to your cloud
- Open-source SDK for audit transparency
No servers, no middleboxes, no "anonymized" copies. Your data lives where you left it.