Your expenses, tracked automatically — straight from your bank SMS

Enable SMS import once, and HisabAI turns your bank and UPI alerts into a clean, categorized expense ledger. Up to 6 months of history imported in minutes, and every new transaction captured in real time — all processed on your phone, never on our servers.

🔒 100% on-device processing · We never see your SMS · Works offline · Disable anytime

Last updated: 2026-07-06

How it works

What we read (and what we never read)

HisabAI matches messages against a verified allow-list of official bank sender IDs (the DLT-registered IDs banks must use in India). Anything not on that list is never processed.

Supported banks & apps

Bank coverage expands via over-the-air parser updates — no app update needed. Bank not listed? Import a statement (PDF, CSV, or Excel) instead; HisabAI supports statement import for savings accounts and credit cards.

Privacy, in plain words

Your SMS never leave your phone. All parsing happens on your device. HisabAI extracts only the structured transaction facts — amount, direction (spent/received), merchant, date, and a reference ID — and syncs those to your ledger. The message text itself is never uploaded, stored, or seen by us.

• • On-device parsing — the SMS-reading engine runs entirely on your Android phone.
• • Minimal data out — only structured transaction fields sync to your account, over encrypted connections.
• • Sender allow-list — only verified bank sender IDs are ever matched; everything else is ignored.
• • You're in control — pause or disable SMS import anytime from the app or Android settings. Every import shows up in Import History and can be undone.
• • Play Store compliant — SMS permission use is declared and approved under Google Play's permissions policy.

A ledger that keeps itself clean

• • Auto-categorization — transactions are sorted into categories (food, travel, bills, and more) as they land.
• • Duplicate-proof — re-running an import never creates duplicates. If you also upload a bank statement, HisabAI detects overlapping transactions across sources and keeps your ledger clean; anything ambiguous goes to a quick review queue instead of silently double-counting.
• • Settlement matching — incoming UPI credits can automatically match against pending settle-ups with friends.
• • Import history & undo — every SMS batch and statement import is listed and reversible.

Frequently asked questions