Zero Server Bank Storage · 100% User-Owned Google Sheet

Your Daily Expenses Stored Safely in Your Google Sheet

Stop giving third-party finance startups full read access to your bank accounts and SMS inboxes. SpendLoop parses bank transaction SMS and voice inputs 100% on-device, writing directly to your private Google Sheet without storing any bank data on central servers.

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Why SpendLoop is Built Completely Differently

1. Privacy-First Philosophy

Zero bank data or transaction history is stored on SpendLoop servers. Your private Google Sheet is your database that you own forever.

2. No App Store / Play Store Install Required

Built as a modern Progressive Web App (PWA). Add to Home Screen in 2 seconds via Chrome or Safari. 0 MB storage bloat, instant offline performance.

3. 100% Free Core Expense Tracking

Unlimited manual and offline logging, 10 custom categories, 10 custom transaction attributes, and Google Drive backup are completely free forever.

4. App Won't Read Users' SMS

Unlike apps that scrape your inbox with background Android permissions, SpendLoop never reads SMS automatically. You paste or share bank SMS, parsed 100% on-device.

5. Zero Spam Push Notifications

No push notifications every few hours nagging you, and no marketing of credit cards or loans. SpendLoop operates purely on your schedule.

6. Couple & Household Sharing

Share your Google Sheet with your spouse or partner. Both devices record expenses with automatic author tags and synchronized offline queues.

SpendLoop vs. Traditional Expense Apps

Feature SpendLoop PWA Traditional Apps (Walnut, Money Manager, Axio)
Database Ownership 100% In your private Google Sheet Startup cloud servers
SMS Reading Permissions None (Paste on-device only) Invasive background READ_SMS permission
App Store Bloat 0 MB (Instant 1-click PWA) 80 MB – 150 MB downloads
Spam Notifications Zero spam notifications Every few hours with loans & ads
Core Features Price 100% Free Forever Monthly subscription or invasive ads

Frequently Asked Questions

Does SpendLoop or any server ever store my bank SMS or financial transactions?

Never. Bank SMS parsing and voice processing execute 100% on-device inside your mobile browser using local regex and Web Speech engines. Your transactions are written directly to your own Google Sheet via Google Drive APIs. Our backend only records your subscription tier.

Why does SpendLoop request the drive.file Google scope instead of full spreadsheets access?

Under Google OAuth security policies, drive.file is a non-sensitive scope that strictly confines the app to viewing and modifying only the files it created itself ("Spendloop_Expense_Tracker"). SpendLoop cannot view, access, or modify any other spreadsheets, photos, or documents in your Google Drive.

How do partners or spouses track expenses into the same shared sheet?

With SpendLoop Pro, you can link your partner or spouse’s Google account to your Google Sheet. Both partners get synchronized offline logging, automatic 'Spent By' author tags, and unified monthly analytics.