Upload your transaction records and let AI instantly categorize every expense, spot patterns, and show you a clear picture of where your money actually goes.
Between UPI, credit cards, and digital payments — your spending data is scattered and impossible to make sense of.
UPI, Paytm, NEFT, IMPS, credit cards — your money moves through ten different channels and you have no unified view.
Your transaction record says "IMPS/426387264/UPI" — great. Was that food, fuel, or your EMI? You have no idea.
You know you're spending too much but can't pinpoint where. Subscriptions silently drain your account month after month.
Maintaining a manual expense tracker takes 30 minutes a week — and you still miss half the transactions.
From upload to clear spending insights in under 60 seconds.
Works with transaction exports from HDFC, ICICI, SBI, Axis, Kotak, Yes Bank, and 10+ more. No manual entry, no spreadsheet import.
Claude AI analyzes merchant names, amounts, and patterns to categorize expenses with around 94% accuracy in our testing — including messy UPI and digital payments — and flags the rest for quick review.
Month-over-month breakdowns, savings rate tracking, category trends, and net position across all accounts in one dashboard.
Every feature designed around real India-specific spending patterns and pain points.
HDFC, ICICI, SBI, Axis, Kotak, Yes Bank, and more. We handle the format differences automatically.
Decodes UPI references into real merchant names. Distinguishes food orders from peer transfers automatically.
Claude AI reads transaction descriptions the way a human would — reaching around 94% accuracy in our testing, with a review queue for the rest.
Set merchant-level rules that take priority. "All Swiggy transactions → Food & Dining" — always.
Low-confidence transactions surface in a review queue. Approve, edit, or correct with one click.
Your real spending picture: total income minus expenses minus savings. Track SIPs, FDs, and EMIs.
See how your spending evolves. Spot the month you overspent on dining out or started that gym subscription.
Your uploaded file is never stored — we extract the text, parse your transactions, then discard the file.
Download your categorized transactions as CSV. Works with Excel, Google Sheets, and your CA.
No account linking. No open banking. No API keys. Just your transaction export file.
Log into your account and export your transaction history as a file. Takes 30 seconds.
Drag and drop your PDF. We parse it instantly — no waiting, no email, no manual data entry.
Our AI reads every transaction, matches merchant names, and assigns categories with a confidence score.
Correct any mis-categorizations, set rules for the future, and explore your spending dashboard.
Not ready to upload yet? View a sample report first →
Start free. Upgrade when you're ready. Pro is a one-time payment — no auto-renewal.
One-time payment · 30-day (monthly) or 365-day (annual) Pro access · no auto-renewal, renew manually
Real feedback from real users — not cherry-picked corporate testimonials.
"I've tried every budgeting app out there. spndrai.com is the first one that actually understands Indian transaction records. The UPI categorization is magic."
"I finally realized I was spending ₹8,000/month on food delivery without knowing it. That one insight saved me more than the Pro plan costs."
"As a CA I use this for my clients. The CSV export feature saves hours every quarter. Worth every rupee."
"The net position feature is incredible. I can see exactly how my investments offset my liabilities. No other tool does this for Indian accounts."
"I was skeptical about uploading transaction records to a website. But the 'no file storage' promise and the privacy design convinced me. It's legit."
"Setup took 5 minutes. I uploaded 6 months of transaction records and had a complete picture of my spending. Wish I had found this sooner."
Honest answers. No marketing fluff.
Yes. We never store the uploaded file. When you upload a transaction record, we extract the text, parse the transactions, and immediately discard the file. Your actual transaction export never touches our database. Only the parsed transaction data (merchant names, amounts, dates) is stored.
We currently support HDFC Bank, ICICI Bank, SBI, Axis Bank, Kotak Mahindra, Yes Bank, IndusInd Bank, IDFC FIRST, Federal Bank, and RBL Bank. We're adding more every month. If your bank isn't listed, contact us — we often add support within a week.
Our AI achieves around 94% accuracy on Indian transaction records. For edge cases, every transaction gets a confidence score. Low-confidence ones go into a review queue where you can correct them with one click. Once corrected, those corrections become rules for future uploads.
Yes. You can upload transaction records from multiple accounts. spndrai.com automatically deduplicates transactions that appear in multiple files (like shared UPI transactions). All accounts are merged into a single unified view.
We automatically detect own-account transfers and exclude them from your expense and income totals. So your savings rate and net position calculations aren't inflated by money you moved to another account you own.
No — and that's intentional. Direct bank integrations require you to hand over your banking credentials or connect via Account Aggregator (AA). We think the PDF approach is safer and more private. You control what you share and when.
Yes. Export all your categorized transactions as CSV at any time. The export works with Excel, Google Sheets, and accounting software.
Pro is a one-time payment for a fixed access period and does not auto-renew, so nothing is charged automatically. When the period ends you simply drop back to the Free tier limits — your data stays intact and you can still access everything you've uploaded and export your full history at any time. Renew Pro manually whenever you like.
Guides and product pages to help you understand how spndrai turns a statement into a clear report. Not ready to upload yet? View a sample report first →
Turn HDFC, ICICI, SBI, Axis and other statements into a categorized report.
Make sense of UPI-heavy spending — food, rent, transfers, subscriptions, refunds.
Get a monthly or 3-month report without any manual entry.
Summarize expenses for review or reimbursement. Not tax or financial advice.
Upload your first transaction records and have a complete picture of your spending in under 60 seconds. No credit card required.
Free forever plan available · No credit card needed · Pro is a one-time payment, no auto-renewal