Tag it. Pay it.
Ledgo (pronounced 'LEDGE-oh') is the expense tracker that works while you pay, not after. Add a note, pick a category, then pay with whatever UPI app you already use. No SMS access. No bank connection.
You didn't forget to save money.
You forgot to log it.
Every UPI app is great at paying. None are built to help you remember why you spent it. So you scan, you pay, you move on, and by month-end your "expense tracking" is a pile of screenshots and a fuzzy memory.
- Step 01Fast & effortless
Scan the QR
At the chai stall, grocer, or your favorite bistro counter.
- Step 02Money leaves account
Pay with UPI
Enter your PIN in GPay or PhonePe. Payment completes instantly.
- Step 03Friction starts here
“I’ll log it later”
You pocket your phone, tell yourself you will remember the ₹420 at night.
- Step 04Empty ledger
Never do.
Bank SMS: “A/C debited by 420.00 to VPA: XYZ99”. Who was XYZ99? Lost forever.
One flow. Not two apps and a guilty conscience.
Ledgo fits into the way you already pay. Scan, tag, pay, done. Four steps, about fifteen seconds, and your books are never behind.
Tap a step to preview the screen it opens on your phone.
“If you can pay, you can log it. Fifteen seconds per payment. Your future self, doing the books, says thanks.”
Every other approach costs you something.
SMS snooping, bank logins, or juggling two apps. Ledgo is the only option designed to avoid all three without friction.
Requires two apps to pay & track
Reads your SMS inbox
Requires bank account / AA link
Tags category & note in the same payment flow
| Criteria | Fold | Axio | Jupiter | Fi Money | Splitwise | Ledgo |
|---|---|---|---|---|---|---|
Requires two apps to pay & track | No | No | No | No | Yes | No |
Reads your SMS inbox | Yes | Yes | Yes | Yes | No | No |
Requires bank account / AA link | Yes | Yes | Yes | Yes | No | No |
Tags category & note in the same payment flow | No | No | No | No | No | Yes |
Zero credentials stored
We never see or ask for your UPI PIN or banking passwords.
100% On-device rules
Your notes, budgets, and merchant tags never leave your phone.
Zero notification lag
Instantly logged the second payment handoff completes.
Stop compromising your privacy or your time.
Experience tracking that works with your payment,
not against it.
Built for people juggling ten small payments a day
If you're "tracking expenses" in Notes, WhatsApp messages to yourself, or a spreadsheet you update once a month, this is for you.
- Young professionals
- Students & first-job earners
- Freelancers & Solopreneurs
- Regular UPI users
- Anyone tired of screenshotting payment history
Start tagging before you pay
Join the waitlist today. We'll email you the exact moment Ledgo is ready for your phone.