If most of your money moves through PhonePe, Google Pay, Paytm and UPI, your statement is a blur of handles and reference numbers. spndrai groups that UPI activity into food, rent, transfers, subscriptions, refunds and real merchants.
A UPI line like UPI/PYTM/9876543210/Payment tells you almost nothing on its own. Multiply that by hundreds of transactions a month and it's impossible to tell dining from rent, a friend paying you back from your salary, or a refund from real income. spndrai reads these patterns and turns them into categories you can actually understand.
You review and correct these in one click, and spndrai remembers the correction for that handle next time.
Refunds aren't income. A UPI refund or cashback returning to your account is treated as a refund, not salary — so it doesn't inflate your income. See the sample report →
Your uploaded statement is used to extract transactions and then discarded — we don't keep the file. You can export or delete your data anytime. See Security & Privacy. spndrai is not financial advice.
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Does it work if 90% of my spending is UPI?
Yes — that's exactly the case it's built for. UPI merchant payments, transfers and refunds are handled distinctly.
Will it confuse a refund with income?
Refunds and cashback are detected and kept out of income. If anything looks off, it's flagged for your review.
Is categorisation perfectly accurate?
No. It's high-accuracy in our testing but AI-assisted, so a review queue lets you correct anything.
Create a free account and upload a statement — or preview a sample first.