ArthPulse › Private expense tracker
Private expense tracker: automatic, without giving up your privacy
A private expense tracker should track your money without collecting more than it needs or using your data for anything but you. ArthPulse tracks automatically from your bank's SMS alerts, with no bank login, no ads, no third-party trackers in the app, and no selling of data.
The trade-off most people are offered
Expense tracking usually makes you choose between effort and privacy. Here is what each kind of app needs from you:
| Approach | What it needs | Effort |
|---|---|---|
| Spreadsheet or manual app | Nothing beyond what you type | High: every transaction, every day. Miss a few and the picture breaks. |
| Bank-linked app | Access to your accounts, through a bank login or a consent via India's Account Aggregator system, which shares statement data | Low, once connected |
| SMS-based app (ArthPulse) | Permission to read the transaction alerts already on your phone | Low: nothing to type, nothing to connect |
With an SMS-based tracker, the privacy question becomes: what happens to the messages? That is where ArthPulse is built differently.
Five questions to ask any money app
- What does it read, and what does that give it? ArthPulse: bank, card and UPI alerts only. On the Google Play version, OTPs and personal messages are dropped on your phone before anything is uploaded.
- Does it show ads or carry third-party trackers? ArthPulse: no ads, and no third-party advertising, analytics or crash-reporting SDKs in the app.
- Does it sell or share your data? ArthPulse: never sold or rented, never used for advertising.
- Where is your data processed? ArthPulse: hosted in India, and the AI that reads your transactions runs on our own servers, not third-party AI services.
- Can you delete everything yourself? ArthPulse: yes, from the app or at arthpulse.in/delete-account, no support ticket needed.
What ArthPulse never asks for
- Your net banking password, card PIN or UPI PIN
- Full account or card numbers (it keeps the last 4 digits only)
- Your location (no GPS, no location permission)
- Permission to move money: it can only read alerts, never pay
How it pays for itself
No ads and no data sales means the business has to be something else: an optional paid plan for advanced analytics. You are the customer, not the product.
For the full detail, read how we protect your data and our Privacy Policy.
Automatic tracking, on your terms. Free on Google Play.
Get ArthPulseQuestions
Is there an expense tracker that does not need my bank login?
Yes. ArthPulse tracks spending from the transaction alert SMS your bank already sends, so it never asks for a net banking password, card PIN or UPI PIN, and does not use an account aggregator.
What should I check before trusting an expense tracker with my data?
Five things: how it gets your transactions (and what else that gives it), whether it shows ads or contains third-party trackers, whether it sells or shares your data, where the data is processed, and whether you can delete everything yourself. A clear privacy policy answers all five.
How does ArthPulse make money if it has no ads?
From an optional paid plan for advanced analytics. Your data is never sold or used for advertising.