Categories that stick
Food, groceries, transport, recharges — classified automatically. Override any merchant and Finzo remembers.
iPhone · India · INR
See where your money goes — automatically from bank SMS.
Finzo turns debit alerts into categorized spending, budgets, and answers. Built for people whose bank already texts them when money leaves — no net banking login required.
Honest caveat: you’ll set up a Shortcuts automation once. Finzo only sees transactions after that — not your full bank history.
How it works
Three steps. More manual than apps that plug into your bank — but you stay in control of what gets shared.
- 1
Your bank texts you on debit
When UPI or a debit card charge hits, most Indian banks send an SMS with amount and merchant. Finzo reads only those debit alerts — not your chats or inbox.
- 2
Shortcuts forwards the alert
You set up a one-time Apple Shortcuts automation. Each matching SMS is sent to Finzo in the background. No bank password, no account linking.
- 3
Spending shows up in the app
Categories, budgets, merchant streaks, and Finzo AI all run on the transactions Finzo captures from that point on.
Inside the app
Same screens you’ll see after signup — not a separate dashboard product.
Merchant streaks
Weekly rings for places you spend at regularly — same idea as the app home screen, not a spreadsheet.
Finzo AI
Ask in plain English: “How much on Zepto this week?” Answers come only from your own transactions.
Budgets by category
Set limits for the month. Progress rings on Home show where you stand without opening a calculator.
What we don’t do
- We don’t ask for your bank login or UPI PIN.
- We don’t read personal SMS, photos, or contacts.
- We don’t sell your transaction data.
- We don’t move money or give investment advice.