Many Indians refuse to give expense apps net banking or account aggregation logins - and they should. A safer pattern is: read payment SMS on your phone, draft a row, sync to your Sheet.
How Kharch Log avoids bank login
- You grant Android SMS permission (optional for auto-capture).
- The app matches common bank / UPI debit patterns on-device.
- Unclear messages wait in the review inbox.
- Approved spends sync to your Google Sheet - not a closed vendor ledger.
Glossary: no bank login expense tracker, PhonePe / GPay expense tracker.
PhonePe, GPay, Paytm in one book
You do not "link" each UPI app. Debits still hit your bank SMS (or wallet SMS). One Android logger -> one Sheet covers cross-app UPI better than exporting three CSV files.
Privacy
SMS stays on-device for capture. We do not ask for net banking passwords. Details: Privacy Policy and About Kharch Log.