Make every rupee intentional.
Know where your money actually goes.
Spenrol is a zero-based budget app built for UPI India. Share any payment screenshot straight into the app and it reads the amount, merchant and category for you — then asks the one question no payment app asks: was this needed, or was it impulse?
Free, no ads, download it today. On iPhone? Join the waitlist and we'll email you the moment it's ready.
Live on Android
Built for how India actually pays
No SMS permissions. No bank login. No linking your accounts to anything. Spenrol works from what you already do — and takes about ten seconds a day.
Share a screenshot, skip the typing
GPay, PhonePe, or Paytm — hit share, pick Spenrol. It reads the amount and merchant for you.
Zero-based budgeting
Every rupee gets a category before the month starts. Not a vague limit — a plan.
Safe to spend today
One number, updated daily, that says what you can spend without breaking the month.
Tag the why, not just the what
Required, optional, or impulse — one tap. It rolls into a Smart Spending Score that shows the pattern, not just the total.
Month-by-month archive
Every past month side by side, so you can see whether you’re actually improving.
Edit anything, anytime
Got a category wrong? Fix it in two taps.
Free, no ads
No subscription, no upsell.
The problem
UPI made spending invisible.
74%
of UPI users report spending more since adopting it — a 2024 IIIT Delhi study found. (source)
Most budgeting apps respond with a tidier version of your bank statement. Useful for a month-end review. Not much help in the three seconds before you tap pay.
How It Works
Live now on AndroidSet your budget
Enter your monthly number, then divide it across the categories you actually spend on. Every rupee has a job.
Capture in seconds
Share a UPI payment screenshot into Spenrol and it fills the form for you — or add it manually if you’d rather. Amount, category, merchant, and one tap for intent.
See the pattern
Watch what’s left, what’s impulse, and how this month compares to the last. Awareness first — that’s the part you can build right now.
The pre-payment guardrail
Once Spenrol is licensed as a UPI app, the check moves before the payment instead of after: you'll see a warning at the moment you pay, when it would push you past your budget — not on a statement three weeks later. Everything you track now carries straight over.
See the full breakdownStart with the habit.
The guardrail is what we're building toward. The awareness is something you can start today — free on Android.
Get the app →No mockups
This is the actual app
Real screens, pulled straight from a live budget. What you see here is what lands on your phone.
Your budget
Remaining balance, safe-to-spend today, and your Smart Spending Score — all in one glance.
Recent activity
Every transaction and category, updated the second you log a spend.
Full history
Every entry tagged required, optional, or impulsive — searchable anytime.
Monthly archive
Compare month over month and watch your average usage trend down.
Where the free apps stop
GPay and PhonePe move money well
None of them ask whether you should have spent it. Here's the gap Spenrol fills.
| Feature | Spenrol | Google Pay | PhonePe | Walnut |
|---|---|---|---|---|
| Pre-payment alert | In dev | |||
| Impulsive spend tagging | ||||
| No SMS access needed | ||||
| Budget enforcement | Limited | |||
| Share-to-app screenshot capture |
The pre-payment alert needs a UPI licence from NPCI, which we're working toward. Everything else in this table is live in the Android app today.
Walnut leans on automatic SMS tracking instead of intent tagging. See the full comparison →
Common questions
Your questions, answered
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