Small UPI payments rarely feel like spending, so they are easy to underestimate. Enter what you spend on chai, travel, delivery, subscriptions and other payments under ₹200, and this calculator shows the monthly and yearly total with a one-line reaction from a Purrse cat.
UPI did 24.07 billion transactions worth ₹29.37 lakh crore in September 2026, about 802 million a day and 23% more than a year earlier. Most of those payments are small, quick and forgettable. That is the problem this page is for.
Leave blank anything that does not apply. The page does the maths as you type, in your browser only.
Daily items are multiplied by 365, weekly items by 52 and monthly items by 12, then added. The monthly figure is the yearly total divided by 12. It is an estimate, and it assumes you pay every day. If you skip weekends, lower the daily amounts.
A bank statement full of ₹20, ₹50 and ₹100 entries is hard to read. A Redditor in r/india described it as “my bank statement becomes chaotic”. Each payment is too small to notice, so the total is never noticed either. The guide to tracking UPI spending covers how to make them visible.
This is a calculator, not financial advice.
It depends on your habits, but the sums are larger than most people expect. A ₹40 chai and a ₹60 auto ride every day come to ₹36,500 a year before you add anything else. Enter your own numbers above to see yours.
Daily items are multiplied by 365, weekly items by 52 and monthly items by 12. The monthly figure is the yearly total divided by 12. It assumes you pay on every day, so lower the daily amounts if you skip weekends.
No. The sums happen in your browser and nothing you enter leaves your phone or laptop. There are no cookies or analytics on this page.
Look at one week of your UPI app history, or your bank statement, and note the payments under ₹200. The guide on tracking UPI spending walks through three ways to do it without sharing your SMS.
A calculator gives you a guess. Purrse gives you the actual number: log each payment in two taps, with no SMS access and no bank link. Try it in the Android beta.
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