How to track UPI expenses automatically
Every GPay, PhonePe and Paytm payment, logged without typing — from the bank alerts you already get.
1Set it up once
- Add your bank accountHome›+ Add account
Type its last 4 digits — that is how alerts find the right account.
- Connect the Gmail your bank emailsAuto›Connect Gmail
Read-only. Only bank alert emails are read.
- On Android, turn on bank SMSAuto
OTPs, offers and personal texts are filtered out on your phone.
- Check the few it is unsure aboutTxns›Needs review
Clear ones are added on their own; a payment to a person waits for you once.
Pick this, not that
Good to know
Most banks send both for one payment. Spendly records it once.
Both alerts are combined into one transfer, not counted as spending.
Counted as investing, not spending.
💡 Start with one account — most people see their first automatic transaction within a day.
Start free →Questions
Can I track UPI payments from GPay, PhonePe and Paytm in one place?
Yes. Every UPI payment debits your bank account, and your bank sends an alert for it. Spendly reads those alerts, so it does not matter which UPI app you used.
Does Spendly need my UPI PIN or bank login?
No. It never asks for a PIN, password or netbanking login. Gmail access is read-only and limited to bank alert emails.
What if a payment is put in the wrong category?
Change it once — Spendly remembers your choice for that payee from then on.
Is automatic tracking free?
Tracking by hand is free forever. Reading bank emails and SMS automatically is part of Spendly Premium.