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

Track your daily expenses. Store data safely in your Google Sheet.

Stop giving third-party finance startups full read access to your bank accounts and SMS inboxes. SpendLoop allows you to Type expense, Paste bank SMS text or use Voice to enter expenses, writing Transactions 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 listens your SMS inbox in the background , SpendLoop never reads SMS automatically. You paste bank SMS text, and Spendloop extracts Transction info from it in realtime.

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 text only)	Intrusive 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 text and voice processing 100% on-device inside your mobile. 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.

© 2026 SpendLoop. Privacy-First Personal Finance Progressive Web App.

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