The Smartest
Expense Tracker
App for UPI Users
Automatically track every UPI transaction, categorize spending, and get monthly insights — all without sharing your bank login.
Sound Familiar?
Most people lose track of their daily UPI expenses. Here's why traditional methods fail.
Small UPI Payments Vanish
That ₹20 chai, ₹50 auto ride — hundreds of small UPI payments add up, but you never track them.
No Clue Where Money Goes
Month ends, salary’s gone, and you have no idea which category ate your budget.
Manual Tracking Is Exhausting
Spreadsheets, notes apps, calculators — none of them work long-term for daily expenses.
Privacy Concerns with Bank Apps
You don’t want to share your bank login with third-party apps just to track spending.
Track Every Expense Without Lifting a Finger
ExpenseBuddy solves each pain point with smart automation and privacy-first design.
Auto-Detect UPI Payments
On Android, the app reads UPI notification messages to log expenses instantly — zero effort from you.
Screenshot OCR for iOS
On iPhone, just screenshot your payment confirmation. Our OCR extracts amount, merchant, and date automatically.
Smart Categorization & Insights
Every expense is auto-categorized. See monthly breakdowns, top merchants, and trends at a glance.
No Bank Login Required
We never ask for your bank credentials, OTP, or account access. Your financial data stays yours.
Everything You Need to Manage Expenses
A personal finance app built for the way Indians pay — UPI-first, privacy-first.
Automatic UPI Tracking
Detects UPI payments from notification messages on Android. No manual entry needed.
Screenshot OCR
Snap a screenshot of any payment confirmation — works on both iOS and Android.
Smart Categories
AI-powered categorization sorts expenses into Food, Travel, Shopping, Bills, and more.
Monthly Insights
Visual charts show where your money goes, spending trends, and budget vs actual.
Secure & Private
No OTP reading, no bank login. All data encrypted and stored securely.
Cloud Backup
Never lose your data. Sync across devices with encrypted cloud backup.
Start Tracking in 3 Simple Steps
No complex setup. No bank credentials. Just install and go.
Make a UPI Payment
Pay like you normally do — Google Pay, PhonePe, Paytm, or any UPI app.
App Detects the Expense
ExpenseBuddy reads the payment notification (or your screenshot) and logs it automatically.
You See Clear Insights
Open the app anytime to see categorized expenses, monthly trends, and budget status.
Your Money Data Stays Yours
We built ExpenseBuddy with a privacy-first architecture. No shady permissions, no hidden data collection. Just honest expense tracking.
End-to-End Encryption
All your expense data is encrypted at rest and in transit using bank-grade security.
No OTP or SMS Reading
We only read UPI payment notifications — never OTPs, bank messages, or personal SMS.
Explicit User Consent
Every permission is optional and clearly explained. You decide what the app can access.
No Bank Login Required
We never ask for net banking credentials, debit card details, or account numbers.
A Beautiful Dashboard for Your Finances
Clean interface. Zero clutter. See your expenses, insights, and budgets in one place.
Frequently Asked Questions
Everything you need to know about the ExpenseBuddy expense tracker app.
Is this expense tracker app free to use?
Yes. ExpenseBuddy offers a free version with all core expense tracking features. Premium features may be added later.
How does automatic UPI expense tracking work?
On Android, ExpenseBuddy reads UPI payment notifications. On iOS, you can log expenses using screenshots with OCR.
Does the app read my OTPs or bank messages?
No. We never read OTPs, bank SMS, or personal messages. Only payment notifications are processed.
Do I need to share my bank login or UPI PIN?
Never. ExpenseBuddy does not require bank credentials, UPI PINs, or account access.
Which UPI apps are supported?
All major UPI apps including Google Pay, PhonePe, Paytm, and BHIM are supported.
Can I use this app on both Android and iOS?
Yes. ExpenseBuddy works on both Android and iOS with platform-specific features.
Is my expense data secure?
Absolutely. Your data is encrypted at rest and in transit using bank-grade security.
How is this different from other money apps?
ExpenseBuddy is UPI-first, privacy-first, and does not require bank login access.
Take Control of Your Money Today
Join 50,000+ users who track every UPI expense automatically. Free to start, no bank login required.
Free forever plan available. No credit card required.