24062025 AGRA, Card Analyzer:
- What’s the last thing you bought on impulse using UPI or Credit card and did you even realize it until now?
- Has a surprise credit card bill ever made you wonder where your money disappeared?
- Do you check your spending weekly, or just wait for the monthly statement shock?
- How many subscriptions are silently draining your account each month?
- Can you confidently say where 80% of your monthly discretionary spending goes
In an age where a single tap is enough to complete a transaction, financial consciousness is slipping through the cracks. With over 500 million UPI payments made daily and card swipes becoming second nature, India’s digital payment ecosystem is evolving at a staggering pace.
But for many users, this frictionless convenience comes at a hidden cost: unconscious, impulsive spending. The gap between transaction speed and money management has never been wider and that’s precisely the problem needs to be solved.
“The idea behind Expenses Tracker came from watching how frictionless payments like UPI and card swipes have made spending easier, but also more unconscious. People pay instantly, but don’t realize how fast it adds up.
The Problem:
- India is in the middle of a payment’s revolution.
- Over 500 million UPI transactions happen every single day
- In 2023, the total annual volume crossed $2 trillion
- But while transactions are instant, financial awareness hasn’t caught up. Most users have no idea where their money goes — especially with cards and impulse spending.
That’s where Expense Tracker comes in.
The Solution:
It’s a lightweight tool that reads SBI Card Gmail alerts, auto-categorizes them (like food delivery, subscriptions, shopping), and shows users a clean spending dashboard — no spreadsheets, no logins, no friction.
Example:
“Rs. 1,299 spent at Zomato…” categorized as Food Delivery? added to the dashboard instantly.”
Try it here: https://tanishmittal.com/card-analyze-mvp
Let’s us hear from the App Builder: “My name is Tanish Mittal, and I’m a 19-year-old indie builder focused on creating tools to help people manage their finances. I’m reaching out to you because of Way2World’s work in the tech space and its focus on innovation.
I’ve been working on a lightweight MVP called “Card Analyzer“. It leverages the UPI revolution in India and addresses the gap in financial awareness. It analyzes Gmail transaction alerts to provide users with a clear, instant summary of their expenses.
Before this, I built and launched:
- Shotcut.in – a link shorten tool used by thousands, with over 400,000 clicks across its Chrome extension, Telegram bot, and Python package
- Tsarr.in – a small platform where I experiment with creative tech ideas and solo projects
These gave me hands-on experience with product building, user feedback, and fast iteration.
What’s Next:
- Expand Expense Tracker to support HDFC, ICICI, Axis, etc.
- Add UPI/SMS-based spend tracking
- Deliver smart monthly reports and alerts
- It’s still early, but the response has been exciting — and I believe there’s a real opportunity to make money tracking as easy as spending.
Would love to hear your thoughts and share this with your audience, Write to me your feedback: me@tanishmittal.com.
About “Card Analyzer: “For instance, if a user receives a Gmail alert like “?1,299 spent at Zomato using your SBI Debit Card…” the tool detects it and adds it to a clean spending dashboard. Over time, it shows spending on food delivery, subscriptions, and more – automatically.”
While seamless payment methods like UPI and credit cards have redefined convenience, they’ve also blurred the visibility of daily expenses. Most users remain unaware of where their money goes until it’s too late.
Expense Tracker bridges this awareness gap with a simple, no-fuss solution that transforms raw transaction data into intuitive insights. It’s not just about tracking expenses. It is about regaining control in a fast-moving digital economy.
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