Spend visibility
100%Every QR payment and recorded spend maps back to an envelope.Envelope budgeting for UPI spends
Spend from the right envelope before money leaves your account.
UPIWise combines QR payments, budget envelopes, spend tracking, and locked savings goals so every UPI payment has a plan.
Total spends₹38,420
Locked savings₹24,000
Savings signal
LockedLocked envelopes stack as protected savings every monthly cycle.Free start
2Begin with two envelopes and upgrade when your system grows.Built for repeated spending
Everything a UPI-first budget needs after the first scan.
Pay from the right envelope
Pick an envelope, scan the merchant QR, enter the amount, and open your UPI app with the payment context ready.
Know total spends instantly
Home insights show total budget, total spends, remaining balance, and savings from locked envelopes.
Build savings without mixing funds
Lock envelopes for EMIs, emergency funds, vacations, car goals, or other money you do not want to spend.
Make frequent payments faster
Favorite envelopes appear first, most-used envelopes rise automatically, and quick-pay shortcuts reduce friction.
Keep QR payments clean
UPIWise forwards only supported QR parameters to UPI apps and ignores unsupported extras from scanned codes.
Scale with paid controls
Unlock unlimited envelopes, unlimited transactions, manual entries, manual UPI entry, and support.
Key user insights
Know what was spent and what was protected.
The app highlights total spends done by the user and treats locked envelope amounts as savings that stack every monthly cycle.
Total budget₹72,000
Total spends₹38,420
Remaining₹33,580
Savings from locked envelopes₹24,000
Join waitlist
Get early access updates for UPIWise.
Join the waitlist for launch updates, product access, and early plan offers.
Plans
Start free. Upgrade when envelopes become your system.
FeatureFreePaid
Envelopes2 envelopesUnlimited envelopes
Transactions50 per envelope/monthUnlimited transactions
QR scan paymentsIncludedIncluded
Manual spend entriesLockedIncluded
Manual UPI ID entryLockedIncluded
SupportFAQs onlyEmail support included
FAQ
Questions users ask before switching to envelope spending.
Who is UPIWise for?
People who use UPI frequently and want category-level control before they spend.
What are locked envelopes?
Locked envelopes are protected categories for savings, EMIs, and goals. Their amount is shown as savings.
Does it replace my UPI app?
No. UPIWise organizes the spend and opens your UPI app to complete the payment.
Can I start free?
Yes. Free users can start with two envelopes and QR payments, then upgrade for larger usage.