Rupiya.ai: Expense Tracker

Rupiya.ai is an automatic expense tracker built for India. It reads your bank transaction SMS and turns every UPI payment, card swipe and auto-debit into a categorised expense.

No bank login. No UPI PIN. No manual entry. Aapka kharcha khud track hota hai.

Most people quit expense tracker apps in the first week because typing in every spend is exhausting. Rupiya.ai removes that step entirely: a daily expense tracker that works without manual entry.

HOW THE AUTOMATIC TRACKING WORKS

When a transaction alert arrives from your bank, Rupiya.ai reads the amount, the merchant and the account, then files it under the right category. As a UPI expense tracker it catches every payment your bank alerts you about, whether you paid through GPay, PhonePe, Paytm or your bank's own app. UPI payments, debit and credit card spends, net banking transfers and standing instructions all land in one place. Paid cash? Add it in two taps when there is no SMS to read.

Correct a category once and the app remembers it. Over a few days the hisab starts keeping itself.

YOUR DAILY MONEY DASHBOARD

Open the app and see today's spending, this month's total, and the gap between what came in and what went out. Switch between 7 days, 30 days or the full month. Search and filter by date, merchant or account, and see activity across every linked bank account together.

The spending tracker shows which categories are quietly eating your salary. For most people it is food delivery, fuel and subscriptions, in that order.

BUDGETS THAT WARN YOU EARLY

Set a monthly limit for food, travel, bills, shopping or fuel. The budget planner tracks each one live and tells you before you cross it, not after the month has ended. Bachat becomes something you plan instead of something you hope for.

INSIGHTS AND YOUR RUPIYA.AI SCORE

Daily insights surface spending patterns and savings opportunities you would not spot on your own. Your Rupiya.ai Score reflects income consistency, savings behaviour, cash flow stability, debt burden and spending discipline, and you can watch it move as your habits change.

RECURRING PAYMENTS AND SUBSCRIPTIONS

Rupiya.ai detects subscriptions, EMIs, rent and regular bills automatically and puts them on a calendar, so a renewal never surprises you again. You get notified for new transactions, budget limits and unusual activity.

PRIVACY COMES FIRST

Rupiya.ai processes bank transaction SMS only. Personal chats are never part of your dashboard. You can review exactly what the app has read in the Privacy Activity Log, and request deletion of your data from inside the app at any time.

WHY RUPIYA.AI NEEDS SMS PERMISSION

SMS permission allows the app to read bank transaction alerts, including amounts, account information and merchants. This is what enables automatic expense tracking without ever asking for your bank username, password or UPI PIN. You can grant or revoke SMS access from your Profile at any time.

WORKS WITH YOUR BANKS AND UPI APPS

Rupiya.ai does not connect directly to your bank. It works from the transaction alerts that supported Indian banks, credit cards and wallets already send you. That means UPI, cards, net banking and auto-debits appear side by side in one expense manager.

EVERYTHING IN ONE MONEY MANAGER

Income and salary tracked separately from spending. Savings shown as what actually remains. Bill and EMI reminders for due dates. Monthly and yearly analysis for anyone who wants to look back further than last week.

WHO IT IS FOR

Anyone in India who gets bank transaction SMS. UPI users juggling multiple payment apps, cards and accounts. People who want budgeting without spreadsheets. Anyone who would rather not hand their bank login to an app.

A kharcha tracker that actually keeps running after week one. Stop typing out your expenses and let your SMS inbox do the hisab.

Questions or feedback? Open Help & Support inside the app.