Auto SMS capture
Reads inbox and live bank messages on your phone, queues them securely, and syncs in the background.
Live on ainr.in
Every rupee.
Understood automatically.
AINR turns bank SMS into a clean expense ledger — debits, credits, merchants, bills, and monthly insights. Powered by rules + AI. Built for real Indian bank alerts.
Built for real bank SMS
From Kotak UPI to Scapia rewards alerts — AINR filters noise and keeps only completed money moves.
Rules + AI parsing
Fast bank-pattern rules first, then Gemini or Kimi for messy formats — promo SMS stay out.
TXN · Bills · Analytics
Debit/credit history with date filters, merchant nets, bill due tracking, and monthly spend charts.
Private by design
No net banking password. Only SMS you already receive — processed for expense intelligence.
Date-wise control
Filter by day or custom range, sort by amount, and see period totals instantly.
Merchant history
Open any payee to see paid vs received, refunds, and net spending over time.
How it works
Three steps from install to automatic ledger.
Install AINR
Create an account and grant SMS permission so bank alerts can be read on-device.
Scan & sync
Quick or full history scan queues financial SMS and uploads them in secure batches.
Review & decide
Browse TXN, bills, and analytics. Mark bills paid. Track every merchant.
What we never ask for
Your money stays in your banks. AINR only understands messages you already get.
No net banking login
We never request account passwords, OTPs for login, or card CVVs.
Promo noise filtered
Loan ads, limit marketing, and OTP spam are ignored — only completed transactions count.
You control the app
Pause SMS tracking anytime. Log out clears the device session.
Start tracking with AINR
Install the Android app, sign up, grant SMS access, and let AINR build your expense history.
API endpoint: https://ainr.in/api/index.php