```html My Spend – Personal Finance Manager
PERSONAL FINANCE MANAGER

Manage Your Money Smarter

My Spend helps you manage expenses, income, bank accounts, credit cards, EMIs, Udhar, reports, statements, and backups in one place.

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My Spend

Dashboard

Total Balance
₹ 25,480
Grocery
Expense
-₹1,250
Salary
Income
+₹35,000
Credit Card
Payment
-₹5,000

Everything You Need

My Spend brings everyday personal finance management features together in one application.

₹

Khata & Dashboard

Keep track of your financial activity from one dashboard.

  • Expense & Income
  • Transfers
  • Recent Transactions
  • Search & Refresh
  • Reports & Charts
  • Hidden Transactions
🏦

Accounts

Manage bank, cash, and credit-card accounts.

  • Bank Accounts
  • Cash Accounts
  • Credit Cards
  • Credit Limits
  • Available Limits
  • Due Dates
💳

Credit Cards

Track credit-card spending and important card details.

  • Credit Limit
  • Available Limit
  • Bill & Due Date
  • Anniversary Spend
  • Refund Support
  • Card Payments
📊

EMI Management

Track EMI schedules and related calculations.

  • EMI Tenure
  • Monthly EMI
  • Reducing-Balance Interest
  • Processing Fee
  • Processing Fee GST
  • Interest GST
📩

SMS Auto Fetch

Detect supported financial transactions from bank and credit-card SMS messages.

  • Expense Detection
  • Income Detection
  • Account Matching
  • Category Detection
  • Duplicate Prevention
  • Background Processing
👥

Udhar & Payees

Keep track of money you give or receive from Payees.

  • Add Payee
  • Contacts Selection
  • You Give / You Got
  • Running Balance
  • Due & Overdue
  • Transaction History
📥

Statement Import

Import supported financial statements and compare transactions.

  • PDF
  • CSV
  • TXT
  • Excel / XLSX
  • Dr / Cr Detection
  • Transaction Comparison
📤

Export

Export your financial records in commonly used formats.

  • PDF
  • Excel / XLSX
  • CSV
  • Category
  • Payee
  • Running Balance
🔐

Secure Backup

Create and restore encrypted local and cloud backups.

  • Encrypted Local Backup
  • Backup Restore
  • AES-256-GCM
  • PBKDF2-HMAC-SHA256
  • Google Drive Backup
  • Automatic Backup

Security & Privacy

My Spend provides security-focused features for protecting access to your financial records and backups.

🔒 App Lock

Protect access to the application using a 4–6 digit PIN and supported biometric authentication.

🔐 Encrypted Backups

Backup functionality supports AES-256-GCM encryption with PBKDF2-HMAC-SHA256-based key derivation.

☁️ Google Drive Backup

Optional Google Drive backup and restore allows users to keep encrypted My Spend backup data in their selected Google Drive account.

📱 Local Data

My Spend is designed primarily for personal financial record management on the user's device.

App Permissions

Certain permissions are used only when the corresponding feature requires them.

Permission Purpose
SMS Bank and credit-card SMS transaction detection and automatic processing.
Contacts Selecting a Payee from device contacts.
File / Storage Access Local encrypted backup and restore functionality.
Biometric Fingerprint or supported biometric app unlocking.
Internet Google Sign-In and Google Drive backup/restore.
Background Processing Supported automatic and background functionality, including SMS-related processing.

Take Control of Your Finances

Organize your income, expenses, accounts, credit cards, EMIs, Udhar, reports, statements, and backups with My Spend.

Explore My Spend
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