Automatic tracking
Bank SMS and UPI app alerts (GPay, PhonePe, Paytm…) become sorted entries, on Android and on iPhone via Shortcuts.
Personal & family finance · Made for India
You pay.
Calc-X keeps track.
Every UPI and card payment is added automatically from your bank SMS, sorted into the right category, and counted against your budget. So you always know what's safe to spend today.
Launching soon on Android, iPhone and the web
Free forever on Basic · 14 days of Platinum free · No card needed
✓ ₹320 · Bean Theory Café added from SMS
Safe to spend ₹1,177 today
Reads alerts from
SBI · HDFC · ICICI · Axis · Kotak · Canara · PNB · Bank of Baroda · Union · Federal · IDFC FIRST · Yes · IndusInd · and more
How it works
No typing. No spreadsheets.
Pay the way you always do. Calc-X does the bookkeeping.
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1
You pay
Scan a QR, tap your card, send money by UPI. Any app, any bank.
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2
Your bank sends the SMS
Calc-X reads the alert on your phone. Only the amount, date and payee are kept, never the message.
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3
Calc-X tracks it
Categorised, matched to the right account, and your budget and Safe-to-Spend update instantly.
Safe to Spend
One number that tells you if you can afford it.
Calc-X takes the money you have, sets aside bills still due, card dues and savings goals, keeps a safety buffer, and spreads the rest over the days left in the month.
Money in your accounts₹58,190
Bills & card dues still to pay− ₹26,740
Set aside for goals− ₹12,000
Safety buffer− ₹2,970
Left for the month₹16,480
÷ 14 days left₹1,177 a day
Everything in one place
Built for how India pays.
Smart budgets
Monthly limits by category, with a heads-up at 90% and when you go over.
Bills & card dues
Reminders the day before and on the day. Card bills tracked from your statement SMS.
Household & splits
Track spending together, split any payment, and settle up with any UPI app.
Investments & net worth
Zerodha, Upstox, mutual funds and EPF in one view, with prices updated every day.
Finlo, your AI assistant
Ask "How much did I spend on food this month?" and get an answer from your own numbers.
Statement import
PDF, Excel or CSV from net banking, even password-protected, read on your device.
Goals & reports
Save for what matters, and see where every rupee went by month, year or category.
Tutorials
Learn Calc-X in a few minutes.
Short walkthroughs of the real app. Tap any one to play.
Watch
Calc-X in 83 seconds.
Pricing
Start free. Upgrade when it helps.
New accounts get 14 days of Platinum free. Cancel any time; your plan stays until the end of the period you paid for.
Basic
Freeforever
- Add spends and income by hand
- Paste bank SMS
- Import statements (PDF, Excel, CSV)
- Budgets, goals, bills, reports
Plus
₹20per month
- Everything in Basic
- Household sharing
- Split payments, settle up by UPI
- One plan covers everyone you invite
Premium
₹99per month
- Everything in Plus
- Automatic bank SMS & UPI alerts
- EPF contributions from SMS
- Stocks, mutual funds & net worth
Platinum
₹199per month
- Everything in Premium
- Finlo, the AI money assistant
Prices in Indian rupees. Payments by UPI AutoPay, card or net banking through Razorpay.
Security & privacy
Your money. Your business.
Calc-X is built so your financial life stays yours.
- SMS read on your phone. On Android, alerts are read on the device; only the amount, date and payee are saved, never the message text.
- Only real bank messages. Alerts from people, like a forwarded SMS, are ignored. Only registered bank senders count.
- No bank passwords, ever. Calc-X never asks for net banking logins, UPI PINs or OTPs.
- Read-only investment links. Brokers connect through their own sign-in; Calc-X can't place orders or move money.
- App lock. Fingerprint, face or Face ID to open Calc-X.
- Your data, your call. Each person's data is private to them; you choose what to share with your household.
FAQ
Questions, answered.
Is Calc-X really free?
Yes. Basic is free forever: add payments by hand, paste bank SMS, import statements, and use budgets, goals, bills and reports. Paid plans add household sharing, automatic SMS reading, investments and Finlo. New accounts get 14 days of Platinum to try everything.
How does automatic tracking work?
On Android, Calc-X reads bank SMS and UPI app notifications on your phone and adds each payment. On iPhone, Apple doesn't let apps read SMS, so a one-time Shortcuts automation forwards bank alerts to Calc-X. The app walks you through it (iOS 17 or later).
Which banks does it work with?
Most Indian banks' SMS alerts: SBI, HDFC, ICICI, Axis, Kotak, Canara, PNB, Bank of Baroda, Union, Federal, IDFC FIRST, Yes, IndusInd and others. For any bank, you can also import a statement (PDF, Excel or CSV).
Is my data safe?
Calc-X never asks for net banking passwords, UPI PINs or OTPs. SMS text isn't stored: only the amount, date, payee and category. Investment links are read-only. Your data is private to your account unless you choose to share it with your household.
Does it work on iPhone?
Yes. Open Calc-X in Safari and add it to your Home Screen. It works like an app, with Face ID lock and notifications (iOS 16.4+). Automatic SMS on iPhone uses Shortcuts.
Can my family use it together?
Yes, with Plus or above. Create a household, invite family or flatmates, track shared spending, split payments and settle up by UPI. One plan covers everyone you invite.
How do I cancel?
Any time, in Settings → Plan. Your plan keeps working until the end of the period you paid for, then you move to Basic. Nothing you added is deleted.
Know where your money goes.
Know what you can safely spend.
Calc-X is in its final testing. It opens to everyone soon: Free forever on Basic, 14 days of Platinum free.
Questions? Write to support@calc-x.in
Android · iPhone · Web