At the same time, the automated SMS-based expense tracking also works reliably. Gullak started off as a pretty simple money manager, but today it has the option of creating reports with bill receipts for reimbursements, adding images to transactions, and more. It breaks this into the various categories as you'd expect, and works really well.ДЄdd to this the fact that Walnut is one of the best looking apps in the category, that makes it easy to understand how you're spending your money, and you can see why we like the app. Walnut supports a number of useful features such as transferring money from your bank accounts to friends, locating ATMs, seeing due bills for credit cards and paying those bills, checking your bank balance, along with all your transactions. This all happens automatically, and there's a feature that wasn't there earlier called Green Account which is supposed to help with your savings, though we stuck to the expense tracking. You get monthly trend figures, details on all spends, and highlights such as the top spend areas. It can also track your bank accounts and other accounts so you can get a deep dive into each account separately. The app reads your SMSes and figures out how much money you've spent, and where. It has new features such as an ATM finder, and a very simple and clean interface. MoneyView was on our 2014 list as well, and still remains a good pick today. Since the apps require access to your messages to function, there are no iOS apps in this list. Here are our favourite automatic spend tracking apps that will be relevant for our readers in India. We've written about one of these way back in 2014, but the space has seen evolved quite a bit since then. There are numerous apps that allow you to track your spending by reading your SMS texts, so that you can watch your budget without having to manually input any details whatsoever. With digital payments, everything is automatically documented - most wallets and banks send a SMS when you make a transaction - making it easier to automate your spend tracking. One of the unexpected side effects of the demonetisation drive is that it's become a lot easier to track the money you're spending.

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