SpendNot

Most expense tracking apps only provide after-the-fact spending analysis, leaving you free to overspend without any immediate consequences. They help you understand your financial habits but don’t actively prevent you from going over budget. SpendNot changes that by proactively enforcing personalized category-wise spending limits through a gamified system. If you try to exceed your set limits, you lose habit points—but you can still complete the transaction if you choose to loose double points. This approach not only keeps your payments seamless but also helps you build lasting financial discipline, turning every transaction into a step toward smarter spending.

SpendNot is a next-generation UPI payment facilitator that streamlines your payment process. First, you scan a UPI QR code to retrieve and verify the recipient's details. Then, by selecting a predefined spending category and entering the amount, the app checks your personalized spending limits stored in your account. If the payment is within your budget, SpendNot automatically redirects you to your favorite UPI app to complete the transaction seamlessly. If not, it deducts habit points and displays a warning—ensuring you stay on track with your financial goals.