Illustration only, not investment, tax or legal advice. The totals come from the statement you add; check them against your bank.
Why you need this
Most of us know our CTC or our take-home pay. Very few of us know where it goes. The salary may be good, yet month end comes and little is left. Rent, UPI payments, EMIs, card bills and small daily spends add up without anyone noticing.
This tracker puts it all in one place: how much came in, how much went out and on what, how much went on EMIs and investments, and what was left. With the full picture in front of you, you can decide what to cut, and by how much.
It has been tested with SBI statements and PhonePe statements. For the true picture, add at least 6 months of both.
How to use this tracker
- Download the last 6 months or more from your bank and from PhonePe, as PDF or CSV.
- Add the file here. If a PDF has a password, type it when asked.
- Read the monthly average and the biggest category.
- Pick a chart view, or fix any “Not sure” payments once.
How your statement is read
The tracker reads the rows in your file: date, payee, amount and whether money went out or came in. Each payee is matched to a category using a list of common shops and bills. Payments to people are left as “Not sure” until you pick a category.
Money transfers (same amount out and in on the same day), credit card bill payments, investments and loan payments are skipped, so they do not look like spending. Payments made with a credit card are shown in a separate group.
For bank statements with a balance column, every row is checked: the earlier balance, less what went out, plus what came in, must equal the new balance. Rows that do not add up are pointed out instead of hidden.
Frequently asked questions
Which statements has this been tested with?
SBI account statement PDFs, and PhonePe statements as both PDF and CSV. Statements from other banks work if you download them as a CSV file with date, details and amount columns. If a PDF is not read, the page shows a box with its layout, with every name and number hidden, which is safe to share.
How many months of statements should I add?
At least 6 months, and a full year is better. One month can mislead, because a trip, a yearly insurance premium or a festival can change it. Add your bank statement and your PhonePe statement for the same months, so UPI payments and card spending are all counted.
Is my statement uploaded anywhere?
No. The file is read inside your own browser tab. Nothing is sent to us or to any other server, and when you close the tab the transactions are gone. You can check this yourself: open your browser’s Network tab, add a file and watch that nothing leaves your device.
Which statements can I use?
The PhonePe statement as CSV or PDF, and the State Bank of India account statement PDF. Any other bank CSV also works if it has date, details and amount columns; the page asks you to point to the columns if it cannot tell.
My bank PDF asks for a password. What is it?
Banks set this password themselves, usually from your mobile number and date of birth. Check the email or the bank’s help page that came with the file. The password is used only to open the file on your device and is never saved.
How do I download my PhonePe statement?
Open PhonePe, go to History, tap Download Statement, choose the months or the financial year and confirm. PhonePe sends the file to your verified email.
Why are some payments marked “Not sure”?
A payment to a person, such as rent paid by UPI, shows only a name, so the tracker cannot know what it was for. Pick a category once for that name and it is remembered on this device for next time.
Why is credit card spending shown separately?
Payments made with a credit card, such as insurance, school fees or shopping, are kept in their own group so they are not mixed with the money that left your bank account. When you pay the card bill from your bank, that payment is skipped so the same money is not counted twice.
Can it read a scanned or photographed statement?
Not yet. Please download the PDF or CSV from your bank or app instead. A scanned page has no text for the tracker to read.
Is this financial advice?
No. The tracker only describes what your statement shows. The 50/30/20 split is a common guide, not advice, and your own needs may be different.