India's First Budget + Round-Up + Auto-Invest Platform

Budget Smart.
Save Every Spare
Rupee.

RupiSave combines monthly budget tracking with automatic UPI round-ups — then invests every spare rupee into Digital Gold, Silver, or Fixed Deposits. Three powerful tools. One app.

📊 Smart Budget Tracking

🔄 UPI Round-Up Saving

📈 Auto-Invest in Gold · Silver · FD

✦ Join the Waitlist Explore Features →

3-in-1

Budget + Round-Up + Invest

₹50K+

avg annual savings

90 days

to launch

Budget surplus this month

₹2,340

→ Auto-invested in Gold

Round-ups today

₹47

3 UPI transactions

Portfolio value

₹22,840

↑ 2.4% this month

9:41●●● ▌

Good morning,

Priya 👋

Portfolio

₹22.8K

↑ 2.4%

Budget left

₹3,240

of ₹12,000

Saved today

₹47

3 round-ups

March Budget

🍔

Food & Dining₹2,840/₹4,000

🚗

Transport₹980/₹2,000

🛒

Shopping₹3,100/₹3,000 ⚠️

Today's Round-Ups

🍔

Swiggy

₹247 paid

+₹3 🥇

🚗

Uber

₹183 paid

+₹7 🥈

☕

Starbucks

₹377 paid

+₹3 🥇

Home

Budget

Round-Up

Invest

Pillar 01

📊

Smart Budget Tracking

Set monthly budgets by category — food, transport, shopping, entertainment. Kosha auto-tracks every UPI spend via the RBI AA framework and alerts you before you overspend.

Month-end surplus → auto-saved

Pillar 02

🔄

UPI Round-Up Saving

Every UPI payment on PhonePe or Paytm gets rounded up to the nearest ₹10. The spare change flows into your savings wallet automatically — no action needed from you.

₹247 → round-up ₹3 → saved

Pillar 03

📈

Auto-Invest in Real Assets

Once your wallet hits ₹50, RupiSave automatically buys your chosen asset — 24K Digital Gold, Digital Silver, or earns FD interest. Your money works while you sleep.

Gold · Silver · NBFC FD

Pillar 1 · Smart Budget

Know Where Every Rupee Goes.
Save What's Left Over.

Connect once via RBI's Account Aggregator framework. RupiSave reads your UPI transactions and auto-categorises every spend — no manual entry ever.

📊

Category-wise Budget Setup

Set monthly limits for Food, Transport, Shopping, Entertainment, Bills and more. RupiSave auto-assigns every UPI transaction to the right category using merchant data.

⚠️

Overspend Alerts Before It's Too Late

Get notified at 70%, 90%, and 100% of each category budget. Smart alerts give you time to adjust — not just a month-end shock statement.

💰

Month-End Surplus → Auto-Invested

Spent ₹3,200 of your ₹4,000 food budget? The ₹800 surplus automatically gets invested in Gold or Silver on the 1st of every month. Your discipline earns you real returns.

📅

Rollover & Carry-Forward

Choose to roll over unused budget to next month, or always invest the surplus. Flexible rules that match how you actually live and spend.

Monthly Budget Tracker

March 2025

🍔

Food & Dining₹2,840 / ₹4,000 · 71%

🚗

Transport₹980 / ₹2,000 · 49%

🛒

Shopping₹3,100 / ₹3,000 ⚠️ Over!

🎬

Entertainment₹450 / ₹1,500 · 30%

💡

Utilities & Bills₹1,800 / ₹2,000 · 90%

Projected Month-End Surplus

₹3,130

Will be auto-invested on April 1st →

🥇 60% → Gold

🥈 25% → Silver

🏦 15% → FD

⚠️

Shopping budget exceeded by ₹100

You've gone over your shopping limit this month. RupiSave will adjust next month's round-up multiplier to make up the difference automatically.

Pillar 2 · UPI Round-Up

Every Payment Saves You Money.
Without Trying.

40–100 UPI transactions per month. Each one leaves behind ₹1–9. RupiSave captures every rupee before it disappears — completely automatically.

You pay with PhonePe or Paytm

Any UPI payment — Swiggy, Uber, Amazon, your local kirana store. Nothing changes for you. You pay exactly as usual.

PhonePe · Paytm · Any UPI

Round-up detected in seconds

RupiSave's AA integration (Finvu) detects the transaction via webhook. Calculates the nearest ₹10 round-up instantly — ₹247 → round up ₹3.

HMAC-secured · Consent-based

Spare change credited to wallet

The ₹3 is debited via Razorpay's nodal account and added to your RupiSave wallet. Your bank statement shows a clean ₹3 debit labelled "RupiSave Savings".

Razorpay PA · Secure nodal account

Auto-invested when wallet hits ₹50

Once your wallet balance crosses your chosen threshold (₹50 default), it automatically purchases your chosen asset. You get a push notification: "0.007g Gold added!"

Set threshold: ₹50 · ₹100 · ₹500

Your Round-Up Stats · March 2025

₹1,240

Saved this month

Transactions rounded

₹14.25

Avg round-up amount

0.14g

Gold purchased

Today's Round-Ups

+₹47 saved

🍔

Swiggy

₹247 paid · 2:30 PM

+₹3 → 🥇

🚗

Uber

₹183 paid · 9:12 AM

+₹7 → 🥈

☕

Starbucks

₹377 paid · 8:45 AM

+₹3 → 🥇

🛒

BigBasket

₹862 paid · 7:20 AM

+₹8 → 🥇

⚡

BESCOM Bill

₹1,554 paid · 7:00 AM

+₹6 → 🏦

Round-Up Multiplier — Boost your savings

Default

Double it

Accelerate

10x

Max save

Pillar 3 · Auto-Invest

Your Spare Change Buys Real Assets.
Every Single Day.

Both your round-ups and budget surplus invest in assets that actually beat inflation. Three options. Pick one or split across all three.

🥇

Digital Gold

SafeGold · Augmont · MMTC-PAMP Certified

India's most trusted store of value. Every rupee buys real 24K gold held in insured vaults in your name. No storage charges. Sell anytime at live market price.

24K

Pure gold

12%

20yr avg return

✓ No minimum · Sell anytime · Insured

🥈

Digital Silver

SafeGold · 99.9% Pure Silver

At ₹85/gram, silver gives you more units per rupee — making every ₹7 round-up feel bigger and more rewarding. Same legal treatment as gold, same API, no extra licensing.

99.9%

Pure silver

Units per ₹

✓ More grams · Same vault security

🏦

NBFC Fixed Deposits

Bajaj Finance · Shriram Finance

For users who want guaranteed returns without market risk. RupiSave directs your surplus to trusted NBFC FDs earning 7–9% per year. Safe, predictable, and automatic.

7–9%

Annual returns

Zero

Market risk

✓ Guaranteed returns · RBI-regulated

Auto-Invest Engine

Two Sources.
One Investment Engine.

RupiSave's investment engine receives money from two sources simultaneously — your real-time round-ups and your month-end budget surplus — and routes them to the right asset automatically.

Round-Up Trigger

Wallet crosses ₹50 threshold → buy Gold/Silver/FD instantly

Budget Surplus Trigger

1st of every month → unspent budget invested automatically

🔄

Round-up saved to wallet

e.g. ₹3 from Swiggy order

↓

📊

Budget surplus calculated

e.g. ₹800 unspent in food budget

↓

⚡

Threshold or month-end triggered

Wallet hits ₹50 or date = 1st

↓

🥇

Asset purchased automatically

SafeGold API · Augmont · Bajaj FD

↓

🔔

Push notification sent

"0.007g Gold added to your portfolio!"

Why RupiSave

Small Change. Big Life Goals.

Together, budget surplus + round-ups save 3–5x more than round-ups alone. Here's what that means for your financial future.

💡

3–5x More Savings Than Jar

Jar only captures round-ups — ₹300–500/month typically. RupiSave adds budget surplus (₹1,000–3,000/month) on top. That's 3–5x more AUM per user from day one.

₹50K+avg annual savings

🛡️

Bank-Grade Security

All data encrypted with AES-256. JWT auth with Azure AD B2C. MPIN for every transaction. No credentials shared — only RBI-consented AA data access.

100%consent-based access

⚡

Withdraw Anytime

No lock-in. Sell gold or silver at live market price. Funds back in your bank in minutes. Your money is always accessible when you need it.

<1 minto sell and withdraw

🎯

Goals Engine

Set a savings target — iPhone, vacation, emergency fund. RupiSave maps your current pace and tells you exactly when you'll hit the goal. Boost with multiplier anytime.

8 moavg to first ₹10,000

🏆

Beat Inflation Daily

Gold has averaged 12% annually over 20 years. Silver and FDs beat savings accounts at 2–3%. Every rupee in RupiSave works harder than in your bank.

12%gold 20yr avg return

🇮🇳

Fully RBI Compliant

Built on the RBI Account Aggregator framework. FIU-IND registered. DPDP Act compliant. Digital Gold is a commodity sale — no SEBI license needed at launch.

AARBI AA framework

vs Competitors

The Only App That Does All Three.

Jar does round-ups. Walnut does budgets. Groww does investing. RupiSave is the only platform that combines all three — and auto-invests both sources automatically.

Feature	RupiSave	Jar	Walnut	Groww	Fi Money
Monthly Budget Tracking	✓	✗	✓	✗	✓
Budget Surplus Auto-Invested	✓	✗	✗	✗	✗
UPI Round-Up Saving	✓	✓	✗	✗	✗
Digital Gold	✓	✓	✗	✗	✗
Digital Silver	✓	✗	✗	✗	✗
NBFC Fixed Deposits	✓	✗	✗	✓	✓
Overspend Alerts	✓	✗	✓	✗	✓
Savings Goals Engine	✓	✗	✗	✗	✓
Round-Up Multiplier	✓	✗	✗	✗	✗

Early Users

They Saved Without Trying.

📊 Budget Feature

★★★★★

"I finally know where my money is going. The budget tracker is shockingly accurate — it even caught that I was spending ₹4,000/month on food delivery without realising. The surplus auto-investing is genius."

Priya Sharma

Product Manager · Bangalore

🔄 Round-Up Feature

★★★★★

"मैंने सोचा नहीं था कि हर UPI payment पे saving हो सकती है। और ऊपर से budget का surplus भी automatically invest होता है। Ab ₹22,000 ka portfolio ban gaya without any effort."

Rahul Gupta

Software Engineer · Pune

📈 Invest Feature

★★★★★

"The FD feature from budget surplus is what sold me. I now have ₹15,000 in a Bajaj Finance FD earning 8.5% — funded entirely from my food and transport budget underspend over 4 months."

Ananya Krishnan

CA Student · Chennai

Budget Smart.Save Every SpareRupee.

Budget Smart.
Save Every Spare
Rupee.