Spenco AI: Expense Tracker
Forecasts your month-end balance and EMI/SIP dates from forwarded bank alert emails.
Spenco parses the bank alert emails you forward from HDFC, ICICI, Axis, Kotak, Canara, PNB or Bank of Baroda into a live burn-rate forecast: days until your balance runs out, projected month-end spend, and category breakdowns. It's read-only and forward-only — it never touches your inbox or bank login — and makes money from a ₹499/year subscription after a free first year, not from your data. Built specifically for Indian money constructs: EMIs, SIPs, UPI, salary cycles.
What holds up
- +Free for the first year, then ₹499/year — the price is stated up front, not hidden.
- +Read-only, forward-only — Spenco never touches your inbox or bank login credentials.
- +Forecasts month-end spend and burn rate, not just a log of what you already spent.
Mind the limits
- −Works only with 7 listed Indian banks — anyone outside HDFC, ICICI, Axis and co. is unsupported.
- −Depends on you manually forwarding every bank alert email — miss one and the forecast drifts.
- −Pro pricing isn't public yet — you can't compare its cost before committing to Starter.
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