If you pay with UPI or cards, your phone already receives debit alerts. An SMS expense tracker can turn those alerts into a spending log — without connecting your bank login.
Do you need SMS permission?
Yes. Kharch Log needs SMS permission to read new bank/UPI messages on the device so auto-capture works.
Where does the data go?
Matched expenses sync to your Google Sheet. Kharch Log does not store your ledger on its own servers.
Best practices
- Review unclear SMS in the needs-review inbox before approving
- Add a category and payee so monthly reports stay useful
- Log amounts in whatever currency your SMS or receipt shows
Related: SMS auto-capture, review inbox.