Every UPI payment, in one place
Upload GPay screenshots or a bank statement and AI pulls out the transactions. Or just say “chai pe 40 diye”. Cash, cards and every UPI app in one list, with budgets that warn you before the month runs out. No bank login, no SMS access.
Works in your browser on phone or laptop. Nothing to download.
Alert sent: you've used 90% of your food budget.
Three ways in, one clear picture
Use whichever is quickest in the moment. It all ends up in the same list, categories and budgets.
- 1
Upload screenshots or statements
Add payment screenshots or a PDF statement, up to 10 files at a time. AI reads them, matches your categories, and shows you the transactions to check before saving.
- 2
Or just say it
Tell Ultra "Swiggy pe 486 lage" in chat, or mention it while you brain dump with Pulse. It's recorded with the amount and category.
- 3
See where it goes
Budgets per category, alerts as you near a limit, and a monthly money check with your top categories and savings rate.
Your UPI app only sees its own payments
GPay doesn't know what you paid on another UPI app, with cash or by card. To know what a month really cost, you need all of it together.
All your payments
Every UPI app, cash and cards, in one list with your own categories.
“Auto ke 60 cash diye”
Budgets that warn you
Set a limit per category and get an alert while there's still time to adjust.
“Food ka budget 10 hazaar rakho”
Income too
Record salary and payments you receive, so you see what's left, not just what went out.
“Salary aa gayi, 50 hazaar”
A monthly money check
At the start of each month, a short summary of the one before: where it went and how it compares.
Charts when you ask
Ask for a pie chart of this month's spending and Ultra draws it right in the chat.
Trends over time
Income against spending month by month, your top categories and your savings rate.
No bank login. No SMS access.
Many expense apps read your text messages or ask to connect your bank. Ultra Instinct does neither: only what you type, say or choose to upload is added, and you review every import before it's saved. We don't sell your data or share it for advertising.
UPI expense tracking, answered
Doesn't my UPI app already track my spending?
Your UPI app can only see payments made through that app. Most people also pay with cash, cards and more than one UPI app, so no single app has the full picture. Ultra Instinct brings all of it into one place, with your own categories and budgets.
Do I need to link my bank account?
No. Ultra Instinct never asks for bank logins or card details. You add spends yourself: by saying them, typing them, or uploading screenshots and statements you choose to share.
Does it read my SMS?
No. There's no SMS access. Only what you type, say or upload is ever added.
Which screenshots can it read?
Payment screenshots that show the amount, who you paid and the date, like a GPay payment or your UPI history. You can upload up to 10 files at a time, mixing screenshots and PDFs.
Can I upload my bank statement PDF?
Yes, if it's a text PDF, which most downloaded statements are. Many banks lock statements with a password; save a copy without the password first, because a locked PDF can't be read. For a scanned (photo) statement, take screenshots instead.
Does it put spends in the right category?
It matches each transaction to your own categories. When it isn't sure, it leaves the category empty so you can pick one. You review everything before it's saved.
Can I track cash and card spends too?
Yes. Say it ("auto ke 60 cash diye"), type it, or add several at once with bulk entry. Everything lands in the same list and budgets.
Can I set a monthly budget?
Yes. Set budgets per category and get an alert as you get close to the limit. At the start of each month you also get a short money check for the month before.
Does it work in Hindi?
Yes. Tell Ultra your spends in Hindi, Hinglish, English or other Indian languages, like "Swiggy pe 486 lage" or "salary aa gayi, 50 hazaar".
Is it free?
Tracking, categories, budgets and insights are free. The free Get Started plan includes AI import of 2 files (screenshots or statements) a month and 10 AI actions a day, such as adding a spend by message. Unlock Ultra Instinct removes those limits, and during early access you can try it free for a month.
Early access is open
Get your day in order. Starting today.
Free for a month. No credit card. Just open Ultra Instinct in your browser and tell it what's on your mind.
Support Ultra Instinct
Ultra Instinct is built by a small team in India to be the most helpful AI companion for everyday life. If it helps you, your support keeps us going.
