At the end of the month, have you ever wondered where did all of your money go? Have you felt like you could have managed your money better? If yes, then get ready to

Extract more worth out of your wealth

Introducing

Plutus

Plutus is a smart personal financial planning assistant within your PhonePe app. It provides meaningful insights into your financial health and helps you save and grow your hard-earned money

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provide your valuable feedback

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If you have ever asked yourself any of the following questions then 

Plutus is for you

How did I end up spending so much money last month?

How could I manage my money in a better fashion?

How do I know where I could have saved more money and grown it simultaneously?

Features

Budgeting

Easily create daily/monthly budgets with extensive adaptability to suit your needs

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Managing

Keep a track of all your transactions in a systematic and organized manner

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Payment

Be mindful of unnecessary spending with prompt reminders

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Saving

Understand your saving patterns and invest your savings using PhonePe

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Budgeting

Create your daily/weekly/monthly budgets without any hassle. You can let our smart Plutus create your budget automatically using your past transactions OR you can create it yourself within minutes

Comprehensive and customizable categories to create an organized budget 

Let Plutus auto-create your budget with your past transactions or bank statement

Budgeting

Managing

Stay up-to-date on your spending by tracking the flow of money out of your account

Lucid and easy-to-read charts make it easier to quickly analyze your expenses

View detailed reports to track each and every transaction at payee, amount, and date level 

Customize category for a transaction and Plutus will remember it for future transactions

Budgeting

Payments

Avoid payments over your budget with prompt alerts 

Watch out for payments that breach your spend limit in a particular category with prompt warnings

Plutus auto-detects the category of the payment and if it makes a mistake, correct it and Plutus will learn for future

Saving

Analyzing your saving has never been simpler. Know where you saved money and where you overspent. Plutus can also help you find the right investment opportunity for your savings

View where you saved and where you overspent

Gain insights into investing and invest your savings with PhonePe's best investment solutions

Get Started in Minutes

Create

Scan your bank statement to create a budget based on your recurring expenses

Or

Create a fresh new budget within minutes

Track

Track and check where you spent and where you saved at any time, anyplace

Save

View monthly spending trends to find saving opportunities

Invest your savings using PhonePe investment solutions

Frequently Asked Questions

Some of the FAQs are listed below

Do we need to download a separate app?

No, Plutus will be a feature in PhonePe itself. Users do not need to download any separate app if they already have PhonePe installed.

Is the service free-of-cost?

Yes, there will be no charges for using Plutus

Can it track transactions across different platforms like Google Pay, Paytm?

Yes, Plutus can track transactions across different platforms through transaction messages and emails. No personal data is shared with anyone which ensures 100% privacy.

Will it suggest where I can invest my money?

Investments can be done through the PhonePe investment solutions. Depending on the amount of savings, PhonePe provides relevant options for investments that can be selected by the user as per their will

'' Beware of little expenses. A small leak will sink a great ship"

- Benjamin Franklin

The time has come to fill those small leaks and grow your money with PhonePe's Investment solutions trusted by over 325 million users

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About Me and My Journey

Hello, I am Sparsh Goyal. I love problem-solving, start-ups, exploring new products and technology. 

I have been studying the problems which users face in the online transaction eco-system. One of the key problems that resonated with most of them was the lack of visibility on the flow of funds and the leakage of savings due to spending over budget. 

This is the mockup of my solution to the problem and it is named Plutus (Greek god of wealth).  

Please share your feedback on the concept in the Sign Up form. 

PS: This is just a concept study. I do not have any affiliation with PhonePe.