Free PhonePe Statement
Analyzer Online

The Problem With PhonePe's Native Transaction View

PhonePe's built-in transaction history is a basic scrollable list — no totals, no charts, no payee grouping, and no search or filter by amount. The app limits you to recent transactions in the home feed, and the full year's data is only available as a PDF sent to your email. India's UPI ecosystem processed over 18 billion transactions in a single month in 2024 (per NPCI's official UPI data), yet no official tool lets users actually analyze this data in detail. This analyzer fills that gap — for free.

How This Analyzer Works — 100% Browser-Based Privacy

When you upload your PhonePe PDF, it is read by PDF.js — Mozilla's open-source JavaScript PDF reader — entirely inside your browser. Nothing is sent to any server. The tool extracts transaction lines using position-aware text parsing, handles password-decryption locally, removes duplicate UTR entries that PhonePe sometimes creates, and normalizes all transactions for charting. You can verify this yourself: disconnect your internet after the page loads and the tool still works perfectly.

Password-Protected PDFs — Auto-Detected, No Friction

PhonePe automatically password-protects every statement PDF. The password is your 10-digit mobile number (without +91). Most analyzers either fail silently on password-protected files or ask for the password before you even pick a file. This tool is different: it tries to open the PDF first, detects the password requirement automatically, and only then shows the unlock prompt — inline, without refreshing the page. If you enter the wrong password, it tells you immediately and lets you retry without re-uploading.

What Insights Does the Dashboard Actually Show?

After uploading, you get: Total Money Sent and Total Money Received at a glance, an average daily spend, a clickable daily trend chart (click any day to see that day's transactions), a Top 10 Payees bar chart, a Total Expenses list grouped by payee with individual drill-down, a Top 10 Incomes chart, and a Total Incomes breakdown. A name search and date range filter lets you focus on specific payees or time periods.

Who Is This For? Freelancers, ITR Filers, and Everyday Budget-Trackers

Freelancers and business owners can tally all client payments received in the financial year for reference during ITR filing. Everyday users can see exactly where their money goes — groceries, food delivery, utility bills. SIP investors using PhonePe's mutual fund platform can track how much they've invested in a given period. There's no signup, no app to install, and no limit on the number of transactions analyzed.

How do I download my PhonePe transaction statement?

Can I download UPI statements from PhonePe? What's the difference from a bank statement?

Yes — the PDF you download from PhonePe is your UPI statement. It covers all transactions processed through PhonePe's UPI platform: peer-to-peer payments, merchant payments, mutual fund SIPs, and gold purchases. This is different from a bank statement — your bank statement records every transaction in your bank account (NEFT, RTGS, ATM withdrawals, UPI from any app). The PhonePe statement only shows what went through PhonePe specifically. For ITR filing, you typically need both.

How to check spend analysis in PhonePe?

PhonePe has a basic built-in "Insights" tab that shows broad spending categories — but it doesn't show payee-level totals, daily spending trends, income breakdowns, or date range filters. For a detailed spend analysis, download your PhonePe statement PDF and upload it here. This free analyzer shows your total sent and received, a clickable daily trend chart, top 10 payees by amount, a full expense breakdown grouped by person or merchant with drill-down to individual transactions, and a search/date filter to zoom in on specific periods.

What is the password for a PhonePe statement PDF?

The PhonePe PDF password is your 10-digit mobile number registered with PhonePe, without the country code (+91). For example, if your number is +91 98765 43210, the password is 9876543210. This tool automatically detects if your PDF is password-protected and shows the unlock prompt only when needed — you don't have to enter anything upfront. If you get a "wrong password" error, make sure you're using the number currently linked to your PhonePe account, not an old or secondary number.

Is my PhonePe data safe when using an online analyzer?

Yes, your data is 100% secure. This tool operates completely in your web browser using PDF.js (Mozilla's open-source library). Your PDF and password are processed locally on your device — we do not upload, transmit, or store your files, transaction history, or personal data on any server. You can verify this yourself: disconnect your internet connection after the page loads and the tool still works perfectly, because there is no server call involved.

How to download PhonePe statement in Excel?

PhonePe does not offer a direct Excel or CSV download — the only official format is the password-protected PDF sent to your email. This tool reads that PDF and gives you an interactive breakdown with charts, totals, and payee lists in your browser. If you need the data in a spreadsheet, the best current approach is to use the date/name filters here to find what you need and manually note down the totals. A CSV export feature may be added in a future update.

How do I get my full PhonePe transaction history on a computer or laptop?

PhonePe does not have a desktop app or full-featured web version for viewing transaction history. To access your history on a computer: (1) Download the PDF statement from the PhonePe app on your phone — PhonePe will email it to you; (2) Open that email on your laptop and save the PDF; (3) Upload it on this page in any desktop browser (Chrome, Firefox, Edge, or Safari). The full dashboard with charts, trends, and payee breakdown then works on your computer's screen with no installation needed.

Why does my analyzed total look different from my bank balance?

This analyzer reads only the transactions processed through PhonePe. Direct bank transfers, ATM withdrawals, cheque payments, or transactions made via other UPI apps (GPay, Paytm) will not appear here. Additionally, PhonePe sometimes creates duplicate entries for the same UTR number in the PDF — this tool automatically removes those duplicates so your totals stay accurate. The totals shown represent money sent and received through PhonePe specifically, not your overall bank account balance.

Does PhonePe have an expense tracker? How is this tool different?

PhonePe has a basic "Insights" section in the app that shows broad category totals (food, travel, shopping, etc.) for recent transactions. However, it doesn't show payee-level breakdowns, daily trends, income analysis, or data older than a few months. This free analyzer is more comprehensive: it works on your full downloaded statement (up to 1 year), shows totals grouped by individual payee name, lets you drill into every transaction, and gives you income + expense charts side by side — all without creating an account.

Can I use my PhonePe statement for ITR income tax filing? Is PhonePe UPI income taxable?

Your PhonePe statement is a useful reference for ITR filing. It shows all UPI money received (which may be taxable as income for freelancers and business owners) and money sent during the financial year. Use this analyzer to see total income received and total expenses for the April–March period. For the question of taxability: UPI money received from clients for services is generally taxable as income in India — consult a CA or refer to the Income Tax Department portal for your specific situation. Always rely on your bank's official statement for formal ITR submission.

Can I analyze PhonePe mutual fund and gold transactions?

Yes. PhonePe statements include mutual fund SIP payments (transaction IDs starting with MFP or MFOP) and gold purchases via SAFE GOLD and CaratLane. This analyzer detects these automatically and groups them alongside your regular UPI payments in the Top Expenses and Total Expenses sections. This makes it easy to see exactly how much you've invested in mutual funds and gold via PhonePe in any given period — useful for tracking SIP consistency and total investment amounts.

What can I do with my PhonePe statement PDF?

Your PhonePe PDF has many uses: (1) Analyze spending patterns — see where your money actually goes over the year; (2) Find your top payees — who you pay the most, and how often; (3) Track daily expenses — see which days had high spending and why; (4) Verify income for ITR — tally all payments received in the financial year; (5) Track SIP investments — see all your mutual fund contributions via PhonePe; (6) Spot recurring expenses — identify subscriptions and habits; (7) Budget review — compare spending vs income month by month using the date filter.

What date range does a PhonePe statement cover?

Each PhonePe statement download covers up to 1 year of transactions. When downloading from the app, you choose your custom start and end dates within that limit. If you need more than 1 year of history, you can download multiple statements for consecutive periods (e.g., Jan–Dec 2023 and Jan–Dec 2024) and upload each PDF to this analyzer separately — the tool processes each one independently and shows results for that file's date range.

Does Deep Money Minds support both PhonePe and GPay statements?

Yes — there are two separate free tools: this PhonePe Statement Analyzer for PhonePe PDF statements, and the GPay Statement Analyzer for Google Pay PDF statements and Google Pay for Business CSV exports. Both tools use the same dashboard layout — the same charts, daily trend, and expense breakdown — but each parses the specific PDF format of its respective app. If you use both PhonePe and GPay, you can analyze each separately.