This is a submission for Weekend Challenge: Passion Edition
What I Built
India runs on UPI now - small, constant, invisible payments for chai, autos, groceries, rent splits, all day, every day. What nobody's built is a way to actually ask your money anything. Not another dashboard you have to squint at - an app you can talk to. FinPal reads your real UPI and bank transaction history (GPay, PhonePe, CSV, PDF exports), auto-categorizes it with a hybrid rules-plus-Gemini engine, and now lets you ask it questions in plain English and get a real answer, grounded in your actual spending.
Why This
I use UPI dozens of times a day, and so does basically everyone I know - that's not an exaggeration in India anymore, it's just how money moves now. NPCI's own numbers make the scale hard to overstate: UPI processed 23.2 billion transactions worth ₹29.9 lakh crore in a single month (May 2026) - an average of 737.79 million transactions every day - and over 500 million people now use it regularly, most of it in small, routine purchases averaging around ₹1,300 a transaction. That's the part that gets lost: when your financial life is made of hundreds of tiny, scattered UPI pings instead of a handful of big bank entries, "where did my money go" stops being a simple question. None of the apps handling those payments were built to answer it - they show you a list, not an explanation. I built FinPal because I wanted the app itself to be able to tell me, the way a person would if you just asked them.
