100% Private — data never stored

Know Exactly Where Your
UPI Money Goes

Upload your bank statement PDF and get a complete breakdown of all your UPI spending — by category, merchant, and month.

Upload your bank statement PDF

Choose PDF

Digital PDF only (not scans) · Max 25MB

PDF password — only if your statement is locked.

Used only in memory to unlock the file — never stored or logged.

No Signup

Start instantly

Data Not Stored

100% private

No Bank Linking

Stays with you

Results in <30s

Fast & accurate

Works with all major Indian banks & UPI apps

HDFC Bank SBI ICICI Bank Axis Bank Kotak Bank IDFC First Yes Bank PNB PhonePe Google Pay

500M+

UPI users in India

15B+

Monthly transactions

9

Spending categories

<30s

From upload to report

Every Rupee, Categorized

We automatically sort every UPI and IMPS transaction into 9 meaningful categories — down to individual merchants within each.

🍔

Food Delivery

Zomato, Swiggy & cloud kitchens

🛒

Groceries

Blinkit, Zepto, BigBasket & more

🛍️

Shopping

Amazon, Flipkart, Myntra & more

🏪

Local Shops & Retail

Kirana, vendors & QR-code merchants

🚗

Transport

Uber, Ola, IRCTC, FASTag & fuel

📺

Subscriptions

Netflix, Spotify, Hotstar & more

📱

Recharges & Bills

Jio, Airtel, electricity & gas

💸

Transfers

P2P, EMI, rent & investments

❓

Others

Everything else, shown with raw VPA

How It Works

Three steps. No account. Your bank statement stays in your hands.

Step 1

Download Statement

Open your bank's app or netbanking and download a PDF statement for any time period — 1 month, 3 months, or longer.

Step 2

Upload Here

Drag and drop your PDF into the upload box. Our engine reads every UPI and IMPS transaction and categorizes each one instantly.

Step 3

See Your Report

Instantly see charts, category totals, top merchants, and monthly trends. Download a shareable spending card to share with friends.

Privacy First

Your Bank Statement
Never Leaves Your Control

Most financial apps require you to link your bank account and hand over ongoing access. UPI Audit is different — you upload once, get your results, and we immediately forget everything. There is no account, no database, no way for us to access your data after the session ends.

Read how the privacy architecture works

Processed in RAM, never on disk

Your PDF is held in server memory only. It's never written to hard disk or any storage system.

Zero database, zero logging

There is no database on this server. Transaction data is never logged or persisted in any form.

No third-party API calls with your data

Categorization is done entirely on our server using local rules. Your transactions are never sent to any external service.

What Your Report Looks Like

A complete breakdown with charts, merchant drill-down, and monthly trend — all in one page.

upiaudit.com/results

Total Spent

₹38,450

Transactions

142

Avg/Month

₹12,817

Monthly Spending Trend

Jan

Feb

Mar

Category Breakdown

Food Delivery
Shopping
Groceries
Transport
Subscriptions

Sample report — upload your own statement to see your actual data

From the Blog

Guides and tips for Indian UPI users

View all →
Comparison

UPI vs Venmo, PayPal, Cash App & Zelle: How India's Payment System Compares

Why can Indians scan a QR code to pay a street vendor for free, while US payment apps stay walled off from each other? A clear comparison of UPI against Venmo, PayPal, Cash App and Zelle.

16 Jul 2026

 About

About UPI Audit: Why We Built a Free, Privacy-First UPI Spending Analyzer

The story behind UPI Audit — the problem we set out to fix, the privacy-first principles we refused to compromise on, and why the whole thing is free and requires no login.

15 Jul 2026

 Education

What Is Auditing? A Simple Guide — and Why You Should Audit Your Own Spending

Auditing sounds like something only companies do. In plain English, here is what an audit actually is, the main types, and how to run a simple audit of your own spending in a few minutes.

14 Jul 2026

Frequently Asked Questions

Ready to See Where Your Money Goes?

Download your bank statement PDF, upload it above, and get your full UPI spending breakdown — free, instant, and 100% private.

Analyze My Statement →

No signup · No bank linking · Data never stored