A ledger that builds itself
Every bank SMS becomes a transaction, grouped by day.
Your bank already texts you every transaction.
Spenlio turns those texts into a private ledger — on your phone. No bank logins, nothing to type in.
- 1 Allow SMS access
- 2 Spenlio reads them on your phone
- 3 Your ledger appears
MERIDIAN
Bank messages
Your ledger
on this deviceToday
Out ≈ −443.59 In +4,600.00
A fictional bank, invented amounts — in your currency where supported.
Parsed on your phone
No bank logins
Works offline
Free to use
It adds itself up
Every charge lands in a running total.
Same shop again? The count ticks up, the total grows, and the ranking re-sorts — per merchant, per month, the moment the message arrives. Bookkeeping you'd never keep up with by hand, kept for you.
Charges · July
By merchant · July
≈ −404.30 Greenmart Super ×3 −247.11
City Power −128.60
Cloudhost ≈ −13.10
Streamly −15.49
What you get
Serious bookkeeping, zero effort.
Accounts & cards, auto-detected
Even credit cards that share one limit.
Gaps shown, never patched
If balances don't add up, you see the evidence.
Multi-currency, facts first
Original amounts stay; conversions are labeled estimates.
Subscriptions, spotted
Recurring charges detected, with full history.
Codes & promos set aside
OTPs and ads never touch your totals.
Privacy
Reading happens on your phone.
Every exception is in writing.
Parsing is on-device, personal conversations are off-limits by construction, and anything optional is off until you turn it on.
