How to track your Google Pay spending in India
Google Pay can now answer questions about your UPI spending. It only sees Google Pay. Here's how to cover the rest of your month too.
By PennyWise AI Team · Updated
On this page
The short answer
In Google Pay, your transaction history lists every UPI payment made through the app, and Ask Google Pay (launched July 2026, opt-in) can break last month's Google Pay spending into categories. To track card swipes, bank debits and other UPI apps as well, use a tracker that reads all your payment alerts.
32.7%
of all UPI payments in India went through Google Pay in May 2026
What Ask Google Pay does, and what it can't see
On 29 July 2026 Google launched Ask Google Pay in India, a Gemini chatbot inside the app. Once you turn on Personalisation, you can ask about last month's spending and get a pie chart by category, with notes on where to cut, typed or spoken in 10 Indian languages.
It's genuinely useful, with one built-in limit: it answers from your Google Pay UPI history. Everything you paid another way is outside its view.
| Payment | Seen by Ask Google Pay? |
|---|---|
| UPI payments you make in Google Pay | Yes |
| UPI payments from PhonePe, Paytm, CRED or your bank's app | No |
| Credit and debit card payments, online or in a shop | No |
| Bank debits: EMIs, rent by NEFT, SIPs, autopay | No |
| Cash | No |
How to track Google Pay and everything else automatically
Each Google Pay payment produces a notification from Google Pay and usually a text from your bank. A tracker that reads those on your phone logs the payment as it happens. Because it reads every bank and UPI app the same way, card and bank payments end up in the same list.
Install PennyWise AI
Free on Android. It reads payment alerts from Google Pay, PhonePe, Paytm, BHIM, CRED, Amazon Pay and WhatsApp Pay, and from your bank's app and texts.
Allow notification access, and SMS if you want card and bank debits too
That's the whole setup. There's no bank login to link.
Pay as usual
When a Google Pay payment completes, it logs itself and a notification shows the amount, merchant and category, with Undo for anything it got wrong.
Ask your money anything
On Plus, the AI Coach answers questions like "why was this month expensive?" from all of your payments, not just one app's.
Ask Google Pay vs a full expense tracker
| Ask Google Pay | PennyWise AI | |
|---|---|---|
| Covers | Google Pay UPI payments | Every bank and UPI app alert on your phone, plus bank texts |
| Card and bank debits | No | Yes, from your bank's alerts and texts |
| Budgets and daily limit | No | What you can spend today, after bills and savings |
| Questions about your money | Yes, about Google Pay spending | Yes, about everything logged (AI Coach on Plus) |
| Price | Free | Free; Plus ₹79 a month |
| Platforms | Android and iPhone | Android only |
You don't have to choose. Keep paying with Google Pay, use Ask Google Pay for quick questions, and let a tracker hold the whole month.
Track Google Pay and everything else in one place
Google Pay, PhonePe, cards and bank, in one list
PennyWise AI logs every payment from the alerts already on your phone, with Undo. Then ask the AI Coach where this month went. No bank login, no typing.
Free on Android, no card needed. 40% off Plus for your first 3 months.
Questions people ask
Does Google Pay track expenses?
Google Pay keeps a history of your Google Pay payments, and since July 2026 Ask Google Pay can sort last month's Google Pay spending into categories once Personalisation is on. It doesn't include card payments, bank debits or other UPI apps.
How do I check my monthly spending in Google Pay?
Open your transaction history in Google Pay, or ask Ask Google Pay about last month's spending. For a monthly total across Google Pay, PhonePe, cards and your bank, use an expense tracker that reads all your payment alerts.
Will my Google Pay payments show up twice if my bank also texts me?
Not in PennyWise AI. It recognises the Google Pay alert and the bank text as the same payment, by the UPI reference number when there is one, and keeps one entry. Undo removes anything that slips through.
Does it need my Google account or UPI PIN?
No. PennyWise AI reads the payment notifications on your phone. It never asks for your UPI PIN, bank password or Google login, and it can't move money.
Sources
General information, not financial advice. Facts checked on 9 Oct 2026; apps and fees change, so check before you act.