Lekhhaa is a free expense tracker and bill-splitting app built for India. It lets you record income and expenses, split bills with friends or groups, track who owes what, and settle up — all in one place. It works like a digital khata book with Splitwise-like features, available on Android, iOS, and the web.

Is Lekhhaa free to use?

Yes, Lekhhaa is free to use. You can track expenses, split bills, manage groups, and settle up without paying anything. The app is available at no cost on Android, iOS, and web.

How does bill splitting work in Lekhhaa?

Add an expense, choose the friends or group members to split it with, and Lekhhaa automatically calculates who owes how much. You can split equally or by custom amounts. The app tracks all balances and tells you the simplest way to settle up with fewest transactions.

What is the difference between Lekhhaa and Splitwise?

Lekhhaa is a Splitwise alternative built specifically for India. It supports Indian languages including Hindi, works with INR by default, includes a personal expense and income tracker (not just group bills), and functions as a digital khata book for daily money management — all for free.

Can I use Lekhhaa to track personal expenses, not just split bills?

Yes. Lekhhaa has a full personal finance tracker built in. You can log daily income and expenses, view spending by category, generate reports, and manage your budget — separately from any group or bill-splitting activity.

Does Lekhhaa work in Hindi?

Yes. Lekhhaa supports Hindi and is designed for Indian users. The app includes Hindi language support and is available at lekhhaa.com/hi for the Hindi version.

Is my financial data safe on Lekhhaa?

Lekhhaa uses data encryption and secure storage to protect your financial information. Your expense and income data is stored securely and is not shared with third parties.

How can I see all my UPI transactions in one place?

No UPI app shows payments made from other apps, so the reliable approach is logging every spend into one expense tracker like Lekhhaa as you pay. Your bank statement captures everything too, but with unreadable merchant references and no categories.

How do I check my Google Pay or PhonePe transaction history?

In Google Pay, open your profile and tap "See transaction history" or the Activity tab. In PhonePe, use the History tab, which filters by month and type. Both show only transactions made through that specific app.

Why is UPI spending so hard to control?

UPI removes payment friction — no cash leaving your hand, no card to pull out — so dozens of small spends accumulate invisibly across multiple apps. Without consolidation and categories, most users underestimate their monthly UPI spend by 20-40%.

Do expense trackers automatically import UPI transactions?

Some apps parse bank SMS to auto-capture spends, but coverage is patchy and categories still need manual correction. A ten-second manual log at payment time is more accurate and keeps you consciously aware of each spend, which is half the benefit.

What is the best free app to track UPI expenses in India?

Lekhhaa is a free expense tracker built for India: log UPI, card, and cash spends in seconds, categorize them, set budgets, and review weekly reports. It also splits shared bills, works offline, and supports Hindi.

How to Track UPI Transactions and Spending in India (2026 Guide)

UPI changed how India pays: chai, cabs, groceries, rent — a QR scan and four digits, done. But the same frictionlessness that makes UPI brilliant makes it financially invisible. Fifty small payments a month across Google Pay, PhonePe, Paytm, and your bank's app leave no single record of what you actually spent. If your salary disappears and your bank statement is a wall of cryptic UPI references, this guide is for you.

Why UPI Spending Feels Untrackable

Three structural problems: your transactions are scattered across multiple UPI apps, each showing only its own history; bank statements show references like "UPI-4283..." with merchant names that are often unrecognizable handle strings; and no UPI app categorizes your spending — ₹40 chai and ₹4,000 electricity look identical in a transaction list. The result: most heavy UPI users underestimate their monthly discretionary spend by 20-40%.

Step 1: Pull Together Your UPI History

Each app keeps its own history: Google Pay and PhonePe both show all transactions in their History/Statement sections and can filter by month, Paytm under Balance & History, and your bank statement captures everything but with the least readable descriptions. Skim one full month across all apps once — most people find at least one recurring spend they had completely forgotten about (an autopay, a subscription, a standing food-delivery habit).

Step 2: Log Spends Into One Tracker

The durable fix is a single expense tracker where every spend lands regardless of which app paid it. The habit that works: log the expense in the ten seconds after you pay — amount, category, one-word note. Apps like Lekhhaa make this a sub-ten-second action, work offline, and support Hindi. One place, every payment mode: UPI, card, cash, netbanking. Consolidation is the entire game; an expense you can see is an expense you can control.

Step 3: Categorize Ruthlessly, Review Weekly

Raw transaction lists do not change behavior — categories do. Food delivery, groceries, transport, subscriptions, rent and bills, shopping, entertainment. Once your UPI spends carry categories, a weekly ten-minute review answers the questions that matter: What did food delivery actually cost this week? Which subscriptions renewed silently? How much went to "small" spends under ₹200 (usually the most shocking number)?

Step 4: Set Category Budgets Where UPI Leaks

UPI leakage concentrates in three or four categories per person — most commonly food delivery, quick-commerce (Blinkit, Zepto, Instamart), cabs, and impulse shopping. Set monthly limits on your top leak categories only; a budget on everything is a budget on nothing. When the tracker shows food delivery at 80% of budget on the 18th, the remaining twelve days self-correct.

What About Automatic SMS/Statement Import?

Some apps read bank SMS to auto-capture transactions. Convenient, but with trade-offs: SMS parsing misses UPI-lite and some app-to-app flows, merchant names arrive garbled, categories still need manual fixing, and you grant sensitive inbox permissions. Manual quick-logging is more accurate, keeps you consciously aware of each spend (which is itself half the benefit), and works regardless of bank. The ten seconds of friction is a feature, not a bug.

The Payoff

A month of consolidated UPI tracking typically surfaces ₹2,000-₹6,000 of monthly spending the person did not know they had — forgotten subscriptions, invisible delivery-fee stacks, daily micro-spends. That is ₹25,000-₹70,000 a year, recovered by a ten-second habit. UPI made spending effortless; tracking makes it visible again.