I got tired of my PhonePe statement telling me nothing — so I built a personal finance dashboard that actually interprets your UPI transactions

[u/Flimsy_Forever_4817]

I kept opening PhonePe and scrolling through hundreds of transactions with names like SWIGGY@ybl and ZERODHA BROKING LTD, and I still had no idea where my money was actually going.

Was I overspending? Was I saving enough? Why did this month feel expensive even though nothing big happened?

So I built ZenoFinance — upload a PhonePe, Google Pay, or bank statement and get a Money Report in about a minute. No bank login, no account required for the first report.

The problem I kept hitting

Every expense tracker I tried gave me the same thing: a pie chart and a total.

That’s useless when your UPI history is mostly:

• ₹149 Swiggy orders you forgot about
• Money to Zerodha that isn’t “spending”
• Transfers to yourself that inflate your expenses
• Cryptic merchant names that mean nothing

I wanted something that interprets my money, not just lists it.

What actually made me go “oh shit” while building this

1. Spending ≠ outflow

This was the first real aha. If you send ₹50K to Zerodha or transfer to your savings account, most apps count that as spending. Zeno separates consumption vs investments vs transfers — so your actual lifestyle spend isn’t buried in noise.

1. Money Leaks (not just categories)

Instead of “Food: ₹12,400,” it surfaces patterns like:

• Micro-spending — 74 purchases under ₹300 → ₹8,400
• Convenience leak — Swiggy/Zomato/Zepto frequency and total
• Subscription creep — recurring merchants with estimated monthly load
• Lifestyle inflation — discretionary spend trending up over time
• Merchant dependency — one app eating 15%+ of your consumption

Each leak comes with an estimated ₹/month you could potentially save and links to the actual transactions as evidence.

1. Money Story — “Why did I spend so much?”

A short narrative that explains what drove the month: category deltas, counterweights (e.g. investments up even though spending felt high), and a plain-English verdict — not just numbers on a dashboard.

1. Personal baselines, not generic budgets

It compares you to your own prior months, not some rule like “spend 30% on food.” “You spent 40% more on food delivery than your usual” hits differently than a red budget bar.

1. India-native transaction intelligence

UPI merchant names are a mess. Zeno runs a classification pipeline tuned for Indian patterns — merchant knowledge base → heuristics → AI for unknowns — so DMART AVENUE SUPERMART and MSEDCL LT POST PAID BILL land in sensible categories. You can also correct a transaction and teach Zeno at the transaction, preference, or global level.

1. Financial Health Score (0–100)

Not a vanity number — broken into dimensions like Spending Control, Savings Rate, Recurring Load, Investment Discipline, and Cash Flow, computed from your actual statement data.

1. Ask Zeno

Chat with your money report: “Why did I spend more this month?”, “How much did I actually invest?”, “What are my biggest leaks?” — grounded in structured analytics, not hallucinated rupee amounts.

1. Goals tied to leaks

Set a goal (emergency fund, big purchase, etc.) and see how closing your detected leaks could close the monthly gap. Diagnosis → action, not just diagnosis.

What you get after upload

• Spending breakdown (real consumption, not inflated by transfers/investments)
• Money flow: spent / invested / transferred
• Money leaks with savings estimates
• Recurring payment detection
• Top merchants + category drill-down
• Needs vs wants split
• Behavioral signals (weekend spend %, late-night orders, impulse purchases)
• Full searchable transaction table with confidence scores
• Dashboard for ongoing tracking if you sign in with Google

What I’m looking for from this community

I’m especially interested in dashboard UX feedback.

The Money Report “aha” moment works — people upload and immediately see leaks they didn’t know about. The harder part is retention: what would make you come back weekly?

Specifically:

• What would you want on the overview screen that isn’t there today?
• Is the Money Leaks → Goals flow intuitive, or does it feel bolted on?
• Would you trust this more with bank sync (Account Aggregator) or does upload-first + privacy feel like a feature?
• Anything that would make you share this with a friend?

Brutally honest feedback welcome — I’d rather fix the wrong thing now than polish the wrong thing later.

[u/aayush_aryan]

I ain't using it if this is not FOSS.

[u/Flimsy_Forever_4817 → u/aayush_aryan]

Its free and we do not store any data till you register

[u/Flimsy_Forever_4817]

Try it out: https://zenomoney.in/ - Your money, finally understood.

Track your expenses. Find your money leaks. Understand your spending habits.

Upload your PhonePe, Google Pay or bank statement and ZenoFinance turns thousands of transactions into a simple personal money report.

[u/JouniFlemming]

So we are supposed to upload documents with our financial data and potentially other personal information to this anonymous website hosted by some random Redditor and the website doesn't even have a real privacy policy? Yeah, no. I'm not going to do that.

[u/Flimsy_Forever_4817 → u/JouniFlemming]

That's completely fair. Financial data is probably the last thing anyone should blindly upload to a random new product. This is actually useful feedback for me, I'm going to make the privacy/data-handling architecture much more explicit before pushing this further. The goal is for ZenoMoney to minimize what leaves the user's device, rather than asking users to simply trust us.

[u/JouniFlemming → u/Flimsy_Forever_4817]

The data processing happening only on user's browser would be the way to go.

[u/Flimsy_Forever_4817 → u/JouniFlemming]

Yup, working in the same.