The PennyWise AI blog
Money guides for UPI, budgets and small spends
Plain guides to tracking UPI spends, cutting small habits and budgeting on an Indian salary, from the team behind PennyWise AI.
UPI
How to track your UPI spends without typing every payment
Your UPI app shows every payment and still can't tell you where the month went. Here are three ways to fix that, and the one people actually keep using.
· 6 min read
UPI
Why UPI makes you spend more (and 5 ways to spend on purpose)
Most people in one Indian study said UPI made them spend more. The reason is simple, and so are the fixes.
· 5 min read
Budgeting
₹99 here, ₹249 there: how small UPI payments add up
No single ₹40 chai is a problem. Two a day for a year is ₹14,600. Here's the maths on six everyday habits, and a quick way to find yours.
· 5 min read
Food delivery
How to spend less on Swiggy and Zomato without quitting
Deleting the apps lasts about a week. Here's what works instead: knowing your real number, cutting the fees, and a weekly limit you'll actually keep.
· 5 min read
Subscriptions
How to find and cancel UPI AutoPay subscriptions
A free trial you forgot about can charge you every month through UPI AutoPay. Here's how to see every mandate on your account and stop the ones you don't use.
· 6 min read
Budgeting
The 50/30/20 rule for Indian take-home pay (with real examples)
Half for needs, 30% for wants, 20% to save. Simple on paper. Here's how it holds up on an Indian salary, and how to adjust it when rent eats half your pay.
· 5 min read