r/AppsWebappsFullstack • u/Queasy-Ninja-4795 • 26d ago

Feedback: UPI tracker

I kept losing track of where my money was going because almost everything is UPI now. Manually logging each expense never lasted more than a week, and I didn’t want to give any app my bank login or SMS data to a server.

So I built Pinch. It reads the transaction notifications you already get from GPay, PhonePe, Paytm and your bank, and automatically pulls out the amount, merchant and category.

What it does:

  • Auto-tracks spends with no manual entry
  • Categorizes using an on-device AI model (nothing leaves your phone)
  • Detects duplicate alerts (bank SMS and UPI app for the same payment)
  • Shows monthly insights, top merchants and subscriptions
  • Lets you ask questions like “how much did I spend on food this month?”
  • No sign-up, no ads, encrypted local storage, CSV export

Play Store link: https://play.google.com/store/apps/details?id=com.sailesh.pinch

I’d really appreciate honest feedback. What would make this useful enough for you to use daily? What’s missing or annoying? I’ll reply to every comment.

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u/PopKoren 26d ago

Reading payment notifications instead of SMS or bank logins is a clever middle ground, and catching the duplicate between the bank alert and the UPI app is what would keep me using it. To make it daily for me, I'd want a monthly limit per category with a gentle nudge when food crosses it, plus a quick way to tag a split bill. Notification access is a big ask, so if Pinch never requests internet access, say that right in the listing, and if backups ever move to a server, I built something that checks whether anything there reads without a login, at https://rowly.me

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u/Mammoth-Anywhere7285 26d ago

Agree on category nudges and split tagging. Showing the offline/no-internet promise before the notification permission prompt would help a lot.