"SpendWiser isn't just an expense tracker. It's a complete financial command center that empowers you with the clarity and tools needed to master your money."
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Automate, Track, and Achieve
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Become Debt-Free Faster & Plan for the Future
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Plan and Monitor with Precision
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An Experience Designed for Clarity & Speed
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Forget manual entry. Your financial dashboard should build itself.
We've engineered a decoupled, serverless background pipeline that intercepts your bank SMS alerts the exact moment they hit your phone, and instantly drafts them into your SpendWiser dashboard.
- 100% Free & Open: By sideloading our open-source companion app natively on Android, we completely bypass expensive bank API aggregators (like Plaid) and restrictive app store policies.
- AI Parsing with BYOK: Bring your own Google Gemini API key for instant, intelligent SMS parsing. Your key lives in your private Firebase vault — never on our servers. No key? No problem — the pipeline falls back to a smart Regex engine automatically.
- 3-Tier Resilient Parsing: Every SMS runs through a cascading fallback engine:
gemini-3.1-flash-lite-preview→gemini-2.5-flash→ Enhanced Regex Parser. Something always works. - Strict Privacy Focus: Say goodbye to shady apps that sync your entire inbox to third parties. You generate your own UUID API keys, you control the open-source pipeline, and data goes directly to your private Firebase vault.
- Real-Time Integration: A beautifully animated, non-intrusive banner appears over your SpendWiser dashboard instantly. One click on "Review & Add" pre-fills the entire transaction modal for you!
👉 View & Download the Android Companion App Here
💡 Why this is a clever "Technical Loophole" (The Best Way to Automate)
SpendWiser's approach is a deliberate architectural choice to solve the "SMS-to-Web" problem without corporate bloat or privacy compromises:
- Bypassing Expensive Middlemen: Traditional apps use aggregators like Plaid or Yodlee, which are costly and require you to hand over your bank login credentials to a third party. SpendWiser simply listens to the alerts your bank is already sending you.
- The "Native Bridge": Modern browsers (PWAs) are strictly prohibited from reading SMS for security. Native apps on the Play Store are also heavily restricted. By providing a standalone, open-source Android Listener for sideloading, we bridge this gap cleanly and legally.
- Total Transparency: Because the Listener app is open-source and the Netlify Parser is your own serverless function, you have 100% visibility into where your data goes. No black boxes.
- Cost-Free Scalability: This entire pipeline runs on free-tier serverless functions and your own device. No monthly API fees for the user.
In short: It provides enterprise-level automation with total user sovereignty.
(Developers: Read the full architectural specs in sms-automation-spec.md and companion-app-spec.md).
Unified Dashboard
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Transaction Management
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Loan Repayment Simulator
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Intelligent Budgeting
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Financial Goals
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Deep Customization
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SpendWiser is designed from the ground up to be a pleasure to use on any device. The mobile interface is clean, fast, and provides access to all the powerful features of the desktop app.
Mobile Dashboard
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Mobile Transactions
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Transactions Log
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Mobile Credit Cards
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Mobile Loans
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Mobile Settings
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Mobile Login
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Mobile Footer
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Mobile Budgets
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| Feature | SpendWiser | Spreadsheets | Other Trackers |
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| Dashboard | ✅ Fully Customizable & Interactive | ❌ Manual setup | ❓ Static |
| SMS Automation | ✅ Zero-Touch (Android Companion) | ❌ Manual entry | 🚫 Not available |
| Loan Tracker/Adviser | ✅ Integrated & Powerful | ❌ Extremely complex | ⛔️ Not available |
| Analytics & Forecasts | ✅ Integrated & Automated | ❌ Complex formulas | ⛔️ Basic stats |
| Goal Setting | ✅ Integrated & Automated | ❌ Complex formulas | ⛔️ Basic or not available |
| Credit Card Management | ✅ Integrated & Automated | ❌ Complex formulas | 🚫 Not available |
| Budgeting | ✅ Real-time & Visual | ❌ Manual tracking | ✅ Basic lists |
| UI/UX | ✅ Modern, Responsive, Animated | ❌ Utilitarian | 🚫 Dated/Clunky |
| Mobile Experience | ✅ PWA & Mobile-First | ❌ Desktop only | 🚫 Poor mobile |
If you find SpendWiser useful, please consider giving it a star! It's a simple way to show your appreciation and helps the project gain visibility in the community. More stars mean more contributors and a better tool for everyone. Thank you for your support!
SpendWiser is built with a focus on performance, real-time data synchronization, and a beautiful, accessible user experience.
⚡ Quick Start (For Developers)
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Clone the repository:
git clone https://github.com/hariharen9/spendwiser.git cd spendwiser/ -
Install dependencies:
npm install
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Configure Firebase:
- Create a
.envfile in the root directory (cp .env.example .env). - Add your Firebase project configuration keys to the
.envfile.
- Create a
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Launch the app:
npm run dev
© 2026 Hariharen. All Rights Reserved.
The source code for SpendWiser is available under the PolyForm Noncommercial License 1.0.0.
What this means:
- You are free to: View, download, modify, and run the code for your own personal, non-commercial use.
- You are NOT allowed to: Use this software for any commercial purpose, re-sell it, or include it in a commercial product without a separate commercial license from the author.
- You must: Include the original copyright notice and license in all copies or substantial portions of the software.
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