# Spenco AI Features — every feature, built for the Indian wallet

Spenco AI is a prediction-first personal finance app for India. EMIs, SIPs, UPI, salary cycle, rent — every Indian money construct, parsed and tracked automatically.

## Starter (free for your first year, then ₹499/year)

- **Transactions** — a full ledger across all your accounts. Every UPI payment, card swipe, EMI debit, and salary credit in one searchable place. Filter by category, merchant, or account. Export whenever you want.
- **Insights & Analytics** — spending heatmaps that show *when* your money leaves, category trends that show *where*, week-over-week momentum, and anomaly detection that flags charges you don't remember making.
- **Basic Dashboard** — month-to-date spend, category breakdown, and recent activity — always current, no manual entry.
- **Auto Email Parser** — set up a one-time Gmail/Outlook forwarding rule and every bank alert email becomes a parsed transaction the moment it arrives. Works with HDFC, ICICI, Axis, Kotak Mahindra, Canara Bank, Punjab National Bank, and Bank of Baroda. No bank logins. No SMS permissions. No inbox access — only the emails you choose to forward.
- **AI Chat (limited)** — ask your money anything in plain language.

## Pro (₹1,999/year when it launches — not purchasable yet)

- **Forecast Dashboard** — days until depleted, current burn rate, and a month-end balance projection that updates with every new transaction. See month-end before it arrives.
- **Net Worth Tracker** — assets, liabilities, year-on-year growth, and debt payoff progress in one view.
- **Spending Planner** — reserve budget for large purchases and track actual spend against your target.
- **Statement Upload** — drop in a bank statement PDF and Spenco backfills your history.
- **Group Expenses & Families** — shared expenses for couples and households.
- **Unlimited AI Chat** — every question, any time.

## Starter vs Pro at a glance

| Capability | Starter | Pro |
|---|---|---|
| Transactions ledger | Yes | Yes |
| Insights & analytics | Yes | Yes |
| Basic dashboard | Yes | Yes |
| Auto email parser (7 banks) | Yes | Yes |
| AI chat | Limited | Unlimited |
| Forecast dashboard | No | Yes |
| Net worth tracker | No | Yes |
| Spending planner | No | Yes |
| Statement upload | No | Yes |
| Group expenses & families | No | Yes |

## How it's different

Most Indian finance apps read your SMS or ask for bank logins, then monetise you with loan and credit-card cross-sells. Spenco does neither. You forward the emails you choose; we sell the app, never your data. No ads, no lending push, no data resale.

Start free at app.spenco.ai · Live demo at demo.spenco.ai · Pricing: /pricing

## Expense tracking, in depth

Everything below is parsed automatically from the bank alert emails you forward. No SMS permission, no bank login, no manual entry.

**UPI payments across every app.** GPay, PhonePe, Paytm, BHIM, or a UPI handle typed into a merchant's QR — every one settles as a debit on your bank account and your bank emails an alert. One setup covers every UPI app you use.

**Cards, ATM and standing instructions.** Credit and debit card swipes, online card payments, ATM withdrawals, NACH mandates and standing instructions all arrive through the same alert channel, categorised by merchant.

**EMI tracking.** Home loan, car loan, personal loan and no-cost EMI debits are detected as recurring commitments rather than one-off spends.

**SIP and mutual fund deductions.** Monthly SIP debits are tracked as scheduled outflows, not discretionary spending.

**Salary credit and the Indian pay cycle.** Your salary credit date and amount are learned from the alerts already arriving. Provident fund and TDS come out before the credit lands, so what Spenco AI models is take-home pay.

**Rent, bills and subscriptions.** Rent, electricity, broadband, mobile recharges and auto-renewing subscriptions are picked up as recurring outflows.

**Statement upload for history.** Forwarding captures alerts from the day you set the rule; upload a bank statement PDF to backfill past months.

## Prediction, not just a record

**Month-end balance forecast.** Your projected closing balance for the 31st, from salary date, EMIs, SIPs, recurring bills and recent burn rate. Details: https://spenco.ai/month-end-balance-prediction

**Burn rate and days of runway.** What you are spending per day against what is genuinely uncommitted.

**Committed versus spendable.** Commitments are subtracted first, so the figure you see is money you can actually use.

**Net worth across Indian instruments (coming soon).** Built to hold what an Indian portfolio actually contains: provident fund and other retirement accounts, ULIP funds with premium and lock-in, mutual fund holdings with fund house and NAV, equity holdings, fixed and recurring deposits, gold and other commodities, real estate and vehicles — set against home loans, car loans, credit cards and personal loans, with life and health insurance alongside. Not shipped yet.

## Ask your money anything

Once your transactions are parsed and structured, you can ask about them in plain language. Answers are computed from your own ledger, not guessed at by a model that has never seen your account. Things people actually ask:

- "How much did I spend on Swiggy and Zomato last month?"
- "What is my biggest category this quarter, and is it growing?"
- "Can I afford a ₹40,000 purchase before my salary lands?"
- "How much do my EMIs and SIPs take out of every month?"
- "Which subscriptions am I paying for that I have not used?"
- "Am I spending more this month than the same month last year?"

This needs your transactions parsed on a server rather than sitting only on your phone, and we would rather be straight about that trade than pretend it does not exist. What we do with it is bounded: we sell the app, so there is no reason to sell the data behind it. https://spenco.ai/security