Every UPI app, one view
Transactions from GPay, PhonePe, Paytm and others merge into a single spending feed.
One UPI expense tracker for every payment app you use
GPay for one thing, PhonePe for another, Paytm for the rest โ UPI spending is scattered across apps by default. Spenzaa brings it all into a single, categorized dashboard.
Free forever plan ยท No credit card required ยท iOS & Android
UPI made payments instant, but it also fragmented spending visibility. Most people use two or three UPI apps depending on merchant preference or cashback offers, which means no single app shows the full picture of UPI spending โ only bank statements do, and those arrive without any context.
Spenzaa solves this by tracking UPI transactions across apps and merging them into one dashboard, categorized the same way as card and cash spending. Whether a payment went through GPay, PhonePe, Paytm or any other UPI app, it shows up in the same place, sorted the same way.
What makes it work
Merchant-aware categorization
UPI IDs and merchant names are recognized and sorted automatically โ no manual tagging.
Peer-to-peer vs merchant split
Distinguishes money sent to a friend from money spent at a store, so budgets stay accurate.
UPI spending trends
See how much of your monthly spending flows through UPI specifically, and where.
Real-time capture
UPI payments are typically reflected in your dashboard within moments of the transaction.
Read-only access
Spenzaa views transaction data to categorize it โ it never has the ability to send or request money.
Why UPI makes it easy to lose track of money
Before digital payments, spending required physical effort โ cash leaving your hand registers as a real loss in your brain. UPI removes that friction entirely: a quick scan and PIN, and the payment is done before you've really processed it. Multiply that by five or six small scans a day and the totals add up far faster than they feel like they should.
One dashboard for every UPI app you use
Most people split payments across GPay, PhonePe and Paytm depending on cashback offers or merchant preference, which means no single app shows the full picture. Spenzaa merges transactions from every UPI app into one categorized feed โ and separates peer-to-peer transfers (paying back a friend) from real merchant spending, so your category totals stay accurate.
Frequently asked questions
Can Spenzaa track UPI payments from multiple apps at once?
Yes โ that's the core of what it does. Transactions from different UPI apps are merged into one unified, categorized dashboard.
Does it separate money sent to friends from money spent at shops?
Yes. Spenzaa distinguishes peer-to-peer transfers from merchant payments so your spending categories stay accurate.
Is UPI tracking automatic or do I need to add each payment manually?
It's automatic for connected accounts and supported detection methods; manual entry is always available as a backup.
Is my UPI data secure with Spenzaa?
Yes. All data is protected with 256-bit AES encryption, access is read-only, and it is never sold to third parties.
Does Spenzaa support GPay, PhonePe and Paytm?
Yes โ transactions from all major UPI platforms are detected and merged into one unified, categorized dashboard.
Can Spenzaa initiate a UPI payment on my behalf?
No. Access is strictly read-only โ Spenzaa can view and categorize successful payments, but it cannot send money, request money, or access your UPI PIN.
Related: SMS Expense Tracker ยท Daily Expense Tracker ยท SpenzaBook for Business
See every UPI app in one place
Free UPI tracking across GPay, PhonePe, Paytm and more.