# iLekka - Expense Tracker — Bank SMS Expense Tracker

> Automatic bank SMS expense tracker for personal finance management. (iPhone/iPad app by Gagan Krishne.)

- Source: https://appshunter.io/ios/app/ilekka-expense-tracker/id6766097186 (this page in markdown: same URL + `.md`)
- Developer: [Gagan Krishne](https://appshunter.io/developer/1896191889)
- Category: Finance, Utilities
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 18.2 · 37 MB
- Languages: American English
- Released: 2026-05-27
- Data updated: 2026-08-24
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/ilekka-expense-tracker/id6766097186/reviews.md

## What is iLekka?

No typing. No receipts. No spreadsheets.

iLekka is an automatic expense tracker for iPhone that turns your bank transaction SMS messages into a complete personal finance and money management system.

Track expenses automatically, monitor spending, and stay on top of your budget—without manually entering transactions.

Unlike traditional expense tracker apps, iLekka keeps your financial data private by storing everything in your own iCloud account. Nothing is sent to our servers.

— HOW IT WORKS —

Every time your bank sends a transaction SMS, iLekka automatically captures and categorizes the expense using Apple Shortcuts.

Works with UPI transactions, debit cards, credit cards, net banking, and bank account debits.

Supports SMS alerts from HDFC Bank, SBI, ICICI Bank, Axis Bank, Kotak Mahindra Bank, and other major Indian banks.

Set it up once. Never manually log an expense again.

— PRIVACY FIRST —

Your financial data belongs to you.

• Stored in your own iCloud account
• No external servers
• No account creation required
• No ads
• No tracking
• No data harvesting

iLekka follows Apple's privacy-first approach so your spending history remains under your control.

— FEATURES —

Automatic Expense Tracking

Capture expenses automatically from bank SMS alerts. Every UPI payment, card transaction, ATM withdrawal, and account debit is recorded without manual effort.

Smart Expense Categorization

Automatically categorize spending into groceries, dining, fuel, shopping, bills, subscriptions, EMIs, travel, and more.

Correct a category once and iLekka remembers your preference.

Budgeting & Spending Analytics

Understand where your money goes with monthly spending reports, category-wise breakdowns, trends, and insights.

Personal Finance Dashboard

Track your expenses, analyze spending habits, and make smarter financial decisions with a clear overview of your money.

— BUILT FOR INDIA —

Designed specifically for Indian banking and payment systems.

• UPI transactions
• Bank SMS alerts
• Debit cards
• Credit cards
• Net banking
• Major Indian banks

No manual bookkeeping. No spreadsheets. No receipt scanning.

— FREE FOR 60 DAYS —

Get full access to all features free for 60 days.

No credit card required.

After the trial ends, choose either:

• Monthly Subscription
• Lifetime Access (one-time purchase)

An active subscription or lifetime purchase is required to continue using iLekka after the trial period.

————————————————————————————
SUBSCRIPTION & PRICING

• Payment is charged to your Apple ID upon purchase confirmation.
• Subscriptions automatically renew unless cancelled at least 24 hours before renewal.
• Your account will be charged for renewal within 24 hours before the current subscription period ends.
• Manage or cancel subscriptions anytime from Apple ID Settings → Subscriptions.

Privacy Policy:
https://shared-record-5ae.notion.site/Privacy-Policy-35ba4adcfaf68048b753e6718ae5039b

Terms of Use (EULA):
https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

————————————————————————————

iLekka. Know your money.

## Key features

- Automatic expense tracking from bank SMS
- Smart expense categorization
- Budgeting and spending analytics
- Personal finance dashboard
- Privacy-first iCloud storage
- Designed for Indian banking systems

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| iLekka Pro Monthly | $0.99 | per month |

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| iLekka Pro | $9.99 | one-time |


## Recent user reviews (4 of 4)

All indexed reviews: https://appshunter.io/ios/app/ilekka-expense-tracker/id6766097186/reviews.md

### 5/5 — Incredible app!

*2026-07-05*

Such a simple and elegant solution. One time easy setup and no hassle. Thanks to the developer!

### 5/5 — Helpful for managing transactions across accounts

*2026-06-26*

Downloaded this expecting very little, but it actually solved a real problem for me. It picks up transaction SMS and gives a better view of spending and incoming money across accounts. Useful if you want to understand your money flow without doing manual tracking.

### 5/5 — Great app

*2026-06-14*

Nice clean UI.
No ads, no banners, no "upgrade now" popups every 2 minutes.
The SMS automation means I don't have to remember entering expenses, and the UI is clean enough that I actually open the app regularly.
I wasn't expecting much when I installed it. After few days, I realised I had a complete record of my spending without having entered anything manually. The clean UI definitely helps.

**Developer response:** Thank you for your review.  Glad this app helped you.

### 5/5 — Finally, Expense Tracking That Sticks

*2026-06-13*

I don’t usually write reviews, but I wanted to support this app because it solves a real problem.

There are lots of budgeting apps, but very few make expense tracking effortless. The automatic SMS tracking works much better than I expected. I occasionally correct a category, but it saves far more time than entering everything manually.

Since I use UPI for most payments across different apps, manual tracking never worked for me. iLekka automatically picks up transactions and presents them in a clean, easy-to-use interface.

I also like that my data stays in my own iCloud account instead of being stored on a company’s servers.

No ads, no clutter, just a clean and thoughtful experience.

**Developer response:** Thank you for the support.

## Frequently asked questions about iLekka

### How does iLekka track expenses automatically?

iLekka uses Apple Shortcuts to capture and categorize expenses directly from incoming bank transaction SMS messages. This eliminates the need for manual data entry or receipt scanning.

### Is my financial data safe with iLekka?

Yes, iLekka prioritizes privacy by storing all your financial data exclusively within your own iCloud account. No data is sent to external servers, and no account creation is required.

### What types of transactions does iLekka support?

iLekka supports a wide range of transactions including UPI payments, debit card transactions, credit card payments, net banking, and bank account debits.

### Which Indian banks are supported by iLekka?

iLekka supports SMS alerts from major Indian banks such as HDFC Bank, SBI, ICICI Bank, Axis Bank, and Kotak Mahindra Bank, among others.

### How long is the free trial for iLekka?

iLekka offers full access to all features for free for 60 days. No credit card is required to start the trial.

### What are the subscription options after the trial?

After the 60-day trial, you can choose between a monthly subscription or a one-time purchase for lifetime access to continue using iLekka.

### Does iLekka have ads?

No, iLekka is ad-free. The app is designed with a privacy-first approach and does not contain advertisements.

### How often is iLekka updated?

The latest version of iLekka is 1.5, and it was last updated on June 20, 2026. Updates typically include new features and performance improvements.

## Version history (last 5 releases)

### 1.5 — 2026-06-20

- Supports multiple currencies.

### 1.4 — 2026-06-11

Bug Fixes

### 1.3 — 2026-06-09

• Upgrade to Lifetime from within Settings — now available even if you're on a monthly subscription
• Redeem promo codes directly from Settings to get Lifetime access
• Improved purchase reliability and status syncing

### 1.2 — 2026-06-07

- Bug fixes

### 1.1 — 2026-06-06

• iCloud onboarding is now smoother — when you connect iCloud, a default expense file is created automatically so you can start tracking right away.
• Bug fixes for Merchant Extraction

## Apps similar to iLekka

| App | Rating | Price | Category |
| --- | --- | --- | --- |
| [SpendLens — Expense Tracker](https://appshunter.io/ios/app/spendlens-expense-tracker/id6762673414) | — | Free | Finance |
| [Spenzy: Expense Tracker App](https://appshunter.io/ios/app/spenzy-expense-tracker-app/id6764147652) | — | Free | Finance |
| [Dot: Daily Budget Tracker](https://appshunter.io/ios/app/dot-daily-budget-tracker/id6773976244) | 5.0 (1) | Free | Finance |
| [Expnz - AI Expense Tracker](https://appshunter.io/ios/app/expnz-ai-expense-tracker/id6758007391) | — | Free | Finance |
| [Expense Tracker - Digits AI](https://appshunter.io/ios/app/expense-tracker-digits-ai/id6758142981) | — | Free | Finance |
| [ExpnzGPT - Expense Tracker](https://appshunter.io/ios/app/expnzgpt-expense-tracker/id6760094589) | — | Free | Finance |

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-24.*