How to
How to track your UPI expenses
UPI's speed is exactly why it's easy to lose track of. You can track it by letting an app read your SMS alerts — or, more privately, by capturing the payment screenshots you already take.
Here's the private, reliable way.
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- 01
Screenshot or keep the payment confirmation
After a UPI payment, you already see a confirmation screen. Keep or screenshot it — that's your record.
- 02
Scan it into a tracker
Use an app that reads UPI screenshots to pull out the merchant, amount and date automatically.
- 03
Add cash and card spends too
UPI isn't everything. Log cash and card spends the same way so your picture is complete.
- 04
Review by category monthly
Group UPI and other spends by category to see where the fast, frictionless payments really went.
Why not just let an app read your SMS?
SMS-based tracking is convenient, but it means an app parses your entire inbox — OTPs and personal messages included. Scanning screenshots gives you the same speed for the spends that matter, without that exposure.
Doing it with Balance
Balance scans UPI payment screenshots and reads the details automatically — no SMS permission, no bank login. It captures cash too, so your UPI habit and everything else land in one clear view.
Frequently asked questions
How do I track UPI spending without sharing my SMS?
Scan your UPI payment screenshots instead of letting an app read your messages. Balance reads the merchant, amount and date from the screenshot, keeping your inbox private.
Does Balance connect to my bank?
No. Balance never asks for a bank login, net-banking credentials, or SMS access. You add transactions yourself — by scanning a receipt or UPI screenshot, or entering them manually — so nothing sensitive is exposed.
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Start understanding your money with Balance.
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