u/Pale-Performer-1310

Hi everyone,

I keep running into this: a few months later I open my UPI history or bank statement, see a payment to some person’s name, and I genuinely can’t remember what it was for. Category based trackers don’t help much here, because the payment to “Ramesh” could be chai, a loan to a friend, or a medical bill.

I’ve read a lot of threads here about expense trackers (Axio, Fold, Cashew, etc.), and most people seem to want either full auto-tracking or full manual entry. I’m curious about the gap in between, so I’m just researching right now. I haven’t launched anything.

A few questions:

1. Do you ever forget why you paid someone? How often?
2. How do you deal with it today? (notes while paying, a spreadsheet, a tracker app, bank statement, nothing?)
3. If a notification popped up after a payment, letting you type or speak a one-line reason in 2 seconds, would you actually use it? Or would you ignore it after a week?
4. Would you be okay with an app reading payment SMS/notifications for this, or is that a dealbreaker for you?
5. Is there an app you already use that does this well?

Brutally honest answers welcome, including “I wouldn’t use this.” It helps me more than polite ones.

Thanks!