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

Spenco 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