Download

Spend wise, grow steady.

Most of us don't overspend on big things. It slips away in small ones, a coffee here, a delivery there, until the month runs out before the salary does. Sanchay picks up your spends from bank messages and receipts, so you hardly type a thing, and gently shows you where your money is going. So each month ends a little calmer, and a little richer.

  • Apple Intelligence & Gemini Nano
  • 25 currencies
  • 100% Private
  • Free
  • No user tracking
  • No bank linking
  • No servers
  • No ads

How it works

Watch it work.

01 · Home

Your month, in one number.

Open the app and the first thing you see is what's left this cycle, and what that works out to each day.

02 · Pay

Pay. It's logged.

Pay by UPI or card the way you always do. Seconds later, your bank's SMS arrives.

It's read on your phone, never on a server.

03 · On your device

Your bank SMS never leaves your phone.

Sanchay picks out the amount, merchant and account right on your phone. It's added even with the app closed, without touching any cloud server.

Only completed spends are logged; OTPs and credits are ignored.

04 · Budget

₹1,533 a day. Stay there.

Every expense updates what's left, and what that means per day until the cycle ends.

05 · Streak

Keep the month. Grow the streak.

Finish a cycle within budget and your Bachat Streak grows by one. Earn freezes for the month that goes sideways.

06 · Ask

Ask your money.

Ask in plain words. Apple Intelligence or Gemini Nano answers on your phone, from your own entries. Nothing is sent anywhere.

More ways in

No SMS? Share a receipt, or just say it.

Bank SMS is one of three ways Sanchay picks up your spending. Here are the other two.

1

Share it straight from the payment app

Paid with PhonePe, Google Pay or CRED? Tap Share on the payment's receipt, pick Sanchay, and it's logged.

Same payment by SMS and receipt? Counted once.
2

Or just say it

Say “Quick log in Sanchay”, then “50 rupees chai cash”. That's the whole entry.

Budgets

Budgets that fit how you get paid.

Paid every month or every two weeks? Saving up for a trip or a wedding? Pick the cycle that fits, then give each category its own limit.

October · 1 – 31 OctMonthly
₹18,400left

12 days to go · ₹1,533 a day

Spent ₹26,600of ₹45,000
  • Food & dining₹7,980 of ₹10,000
  • Travel₹4,260 of ₹6,000
  • Shopping₹120 left
  • Refund · Myntra+₹1,299 back to Shopping
  • MonthlyThe everyday budget. See what's left and how much that works out to per day.
  • Every two weeksShorter cycles, for pay that comes in twice a month or for keeping a tighter eye.
  • One-timeA trip, a wedding, Diwali shopping. It gets its own total, apart from your month.
  • Category limits and refundsGive food or shopping its own cap. A refund reduces what you spent, so returns don't throw your numbers off.

Bachat Streak

Cycle after cycle, it grows.

Finish a budget cycle within your limit and your Bachat Streak grows by one. Keep it going to climb from Bronze to Platinum, and earn a freeze for the month that goes sideways. Each kept cycle gets a small celebration.

  1. MayKept
  2. JunKept
  3. JulKept
  4. AugKept
  5. SepKept
  6. OctThis cycle
One leaf for every cycle kept. Five in a row, and October still to play for.
Tiers1 more cycle to Gold
  1. BronzeStart
  2. SilverYou're here
  3. Gold6 cycles
  4. Platinum12 cycles

Stats

See where it went, and how fast.

Spending over time, your pace against a usual month, a money-flow diagram, and spending by account and by day.

Money flow

From the account you paid with to what you spent it on. October so far.

HDFC cardSBI · UPICashFoodShoppingTravelBillsOther
  • Food₹7,980
  • Shopping₹6,380
  • Travel₹4,260
  • Bills₹4,790
  • Other₹3,190

Pace

Day 20 of 31, compared with how you usually spend by this point.

8% underyour usual pace
Spent so far₹26,600
Usual by day 20₹28,900

Privacy, explained

Your device holds everything.

There's no Sanchay account and no Sanchay server. Your financial data stays strictly on your phone, with optional private cloud backup.

  • Stored on your deviceExpenses, budgets, accounts, tags, notes and attachments are saved on your phone.
  • No accountNo sign-up, no phone number, no email, no OTP.
  • No bank linkingWe never ask for a bank login. Accounts in the app are just labels you name.
  • SMS stay on your phoneBank messages are read right on your phone. They are never uploaded.
  • Private BackupOptional, on iPhone. Kept in your own iCloud account, which we can never read.
  • Analytics off by defaultUsage stats and crash reports stay off unless you allow them. Even then, they never include amounts, names or merchants.

Read the full privacy policy

Everything else

The small things, done properly.

Widgets

What's left in this cycle, on your home screen. On iPhone, on the lock screen too.

App lock

Face ID, fingerprint or your passcode. It locks again a minute after you leave.

Daily reminder

A nudge at the time you pick, only on days you haven't logged anything.

Add from the app icon

Touch and hold the icon, then tap Add expense.

Categories that learn

It suggests a category based on what you've logged before.

Accounts are labels

Bank, card, cash or wallet, each with a colour. No balances, no bank linking.

Bills and receipts

Attach a photo or PDF of the bill to any expense.

Tags

Group spending across categories, like everything for one trip.

Search

Find any expense by its title, notes or tags.

25 currencies

Rupee, dollar, euro, pound, dirham and more. Pick yours in Preferences.

iCloud backup

Back up to your own iCloud and restore on a new iPhone.

Dark mode

Follows your phone's setting.

Free.
Really.

Why it's free: your data lives on your phone, so there are no servers for us to pay for and no data for us to sell. That keeps Sanchay cheap enough to run that we can give it away.

  • No ads
  • No premium tier
  • No subscriptions
  • Nothing to unlock
Sanchay app icon

Spend wise,
grow steady.

Free on iOS & Android. No login, nothing to connect.

Download on theApp StoreGet it onGoogle Play