Expense Tracker
Log your daily expenses, plan a budget, and see exactly where your money goes.
Add New Expense
Log an expense and it appears instantly below
Import Bank / UPI Statement
Upload a CSV or PDF export from your bank, GPay, PhonePe, or credit card — we'll suggest categories for you to review before anything is added
Spending Trend
Today: ₹0
Spending by Category
Budget Planner
Set an allocation per category and see live spending vs your budget
Annual: ₹9,60,000
Fixed textbook percentages, shown only for comparison. Tap a card to highlight it against Your Budget below — this never changes your own numbers.
💡 Insights
What This Expense Tracker Does
This tool helps you log every rupee you spend, sort it into 15 everyday categories (Food, Housing, Transport, EMI, and more), and see exactly where your money is going each month. Beyond simple logging, it includes a Budget Planner where you can compare your spending against two standard budgeting principles (50-30-20 and 60-20-20) for reference, build your own custom budget with your own category percentages, and track a live Budget Health Score that reflects your actual behaviour — not just a plan on paper. You can also import transactions directly from a bank or UPI statement (CSV or PDF) instead of typing each one in by hand.
Who Should Use This
This is built for Indian salaried professionals who want a clear, honest picture of their monthly spending — especially if you've ever reached the end of a month wondering where your salary went. It's equally useful if you're just starting to budget for the first time, trying to build a habit of tracking daily UPI/GPay/PhonePe spending, preparing for a big financial goal (a home loan, a wedding, an emergency fund), or simply want to know if your spending habits are sustainable before your next salary hike or EMI commitment.
How the Budget Health Score Works
Your score out of 100 is built from four equally-weighted pillars, each based on your actual spending this month — not just the numbers in your plan:
Spending Discipline (25 pts) — share of your budgeted categories where real spending stayed within budget
Debt / EMI Load (25 pts) — actual EMI payments this month ÷ income
Budget Completeness (25 pts) — whether your budget is filled out sensibly and covers your essential categories
A pretty-looking budget plan with zero real tracking won't score well — the score only rewards what you actually did, which is what makes it useful rather than decorative.
Example Calculation
Say your monthly income is ₹80,000 and you've built a custom budget allocating 20% (₹16,000) to Investments/SIP and 25% (₹20,000) to Housing:
You spend ₹15,000 on rent (within the ₹20,000 budgeted) → this category counts as "on track"
You have no EMI payments this month → Debt/EMI Load pillar → full 25 points
Your budget covers all your essential "needs" categories and adds up to 100% → strong Completeness score
Result: a high, honestly-earned Budget Health Score
Common Mistakes to Avoid
Setting a budget and never logging real expenses against it. A plan on paper doesn't tell you anything about your actual habits — the tracking is where the insight comes from.
Lumping every UPI payment into "Miscellaneous." Vague categorization hides exactly the patterns you're trying to catch — a ₹300 "misc" charge tells you nothing, but "Dining Out" adding up to ₹6,000 this month tells you something actionable.
Copying a textbook percentage (like 50-30-20) without adjusting it to your real life. Someone paying off a home loan or supporting family will naturally look different from the standard split — use the reference rules for comparison, not as a rulebook you must match exactly.
Ignoring small recurring expenses. A ₹49 subscription or a ₹150 daily coffee habit feels invisible day-to-day but adds up to thousands over a month — these are exactly what a category-level view catches that memory alone won't.