spndrai is an AI-powered expense tracking tool built specifically for India. We help you make sense of your transactions across UPI, credit cards, and bank transfers — automatically, privately, and without linking your bank account.
Most expense trackers are built for Western banking. They don't understand UPI references, don't work with Indian bank formats, and require you to hand over your banking credentials.
We built spndrai to solve this. You export your transaction history from your bank, upload it, and our AI does the rest — categorizing every transaction, learning your patterns, and giving you a clear picture of your spending.
Supports transaction exports from HDFC, ICICI, SBI, Axis, Kotak, Yes Bank, and more. PDF and CSV formats.
Claude AI automatically categorizes every transaction, including messy UPI references like IMPS/426387264/UPI.
We never store your raw transaction files. No bank account linking. Your financial data stays with you.
spndrai was founded by Vineet Ojha, an investment banking professional with over 8 years of experience in M&A, capital advisory, and financial analysis across India, the US, and Europe.
Having worked with financial data professionally for years, Vineet built spndrai to bring the same clarity to personal finance that institutional investors have for their portfolios — without the complexity or privacy trade-offs.
You can reach Vineet at support@spndrai.com