UPI Spend Analyzer

We use a keyword-based matching system that maps merchant names to categories like Food, Shopping, Transport, etc. It covers ~70% of common Indian UPI merchants. For unmatched merchants, you can use AI Smart Categorize.

Only merchant names. No amounts, dates, UPI IDs, or personal information is sent to the AI. You can verify this in your browser's Network tab.

Local keyword matching is ~70% accurate for common merchants. With AI Smart Categorize, accuracy improves to ~95% as it can identify niche merchants and local businesses.

Manual category editing is coming in a future update. Currently, the system uses keyword matching and AI for automatic categorization.

We use Chart.js, loaded on-demand only when you visit the Analyzer page. It renders a donut chart showing your spending distribution.

Yes. Upload a CSV that covers multiple months, and the analyzer will categorize and chart all transactions regardless of the date range.

Currently optimized for UPI statements extracted as CSV. Credit card CSV support may work if the format includes amount, date, and merchant columns.

It ranks merchants by total debit (outgoing) amount, showing the ones you spend the most at. Transaction count is also displayed alongside.

Yes, you can export the categorized data as CSV or PDF using the export buttons below the chart.

Yes, during our beta period. The AI uses Gemini Flash which is extremely cost-efficient. We absorb the cost for now.

Transactions with merchant names that don't match any keyword pattern are placed in "Other". Use AI Smart Categorize to improve classification of these items.

The chart focuses on debits (money sent) by default. Credits are summarized in the top bar but excluded from the spending breakdown chart.