Every bank SMS — UPI, credit card, net banking — automatically converted into an expense. No manual entry. No forgetting.
The problem
Vitta removes all of this
Your bank already sends you a message for every transaction. Vitta reads it — and logs the expense for you.
The difference
Before Vitta
After Vitta
Start tracking every expense automatically — without changing how you spend.
Download Vitta FreeInteractive demo
Type any expense the way you'd say it — Vitta figures out the rest.
Saved instantly — exactly how Vitta works
How it works
Pay via UPI, swipe a card, do a net banking transfer — whatever you normally do. Nothing changes on your end.
Vitta reads it on your device — no data leaves your phone. It extracts the amount, merchant name, and bank. All in seconds.
Vitta's on-device ML model tags the category automatically. Your dashboard updates in real time. No input needed from you.
What's under the hood
Works with all major Indian banks — HDFC, SBI, ICICI, Axis, Kotak and more. Detects UPI, credit card, debit card, net banking, and bill payments.
On-device ML model categorizes expenses without internet. Works offline, instantly, with no privacy compromise.
Learns from your corrections and gets smarter over time — apply a category once, and Vitta remembers it for similar transactions forever.
Auto-logs within seconds of receiving a bank SMS — your dashboard is always current, even before you open the app.
"Vitta doesn't just track your money. It understands it."
Common questions
Vitta reads your incoming bank SMS messages entirely on your device. It extracts the amount, merchant name, and bank name, then shows you a preview. You approve it — only then is the expense saved. No raw SMS is ever uploaded.
Vitta works with all major Indian banks including HDFC, SBI, ICICI, Axis, Kotak, and more. It detects UPI payments, credit card transactions, debit card payments, net banking transfers, and bill payments.
Yes. Vitta uses an on-device ML model to categorize expenses. Basic tracking, categorization, and logging work without an internet connection.
You can correct the category with one tap. Vitta remembers your correction and automatically applies it to similar transactions in the future — it gets smarter the more you use it.
Completely. All SMS processing happens on your phone. Vitta only extracts 3 fields: amount, merchant name, and bank name. Raw messages are never uploaded to any server. Read our full privacy breakdown →