"₹4,999 will be debited from your account."
No merchant. No reason. Just a number and a knot in your stomach.
India's money foresight app
See every rupee leaving your account — before it leaves.
Every SIP, EMI, rent and UPI AutoPay — lined up for the month ahead. So the 1st never catches you short, and no debit ever surprises you.
Free for the first 1,000. No spam, no loans, no selling your data — ever.
Built by a salaried Indian who got tired of the 28th-of-the-month dread. You pay us, so we answer to you — never a bank, never a lender.
JUNE 2026 · 3 accounts synced● live
Safe to spend · through 30 Jun
₹0
after ₹48,200 upcoming bills · +₹6,400 est
Your month ahead1 → 30 Jun
⚠ Tightest 1–5 Jul · low ≈ ₹4,200
so farforecast
🏠
₹22,000
Jul 1
📈
₹10,000
Jul 3
🚗
₹9,400
Jul 5
⚠Still paying for this? Cult.fit renews Jul 8 · ₹2,499
2 we couldn't read✨ Ask
INCOMING DEBIT · DECODED
"₹4,999 will be debited from a/c XX31"
That's your Amazon Prime annual renewal. You set it up last June. Renews today.
The 28th-of-the-month feeling
You get the SMS. Then the math. Then the dread.
"Salary's in 4 days. Rent, two EMIs, three SIPs aren't."
Three banks, four apps. Nobody adds it up for you. Until now.
"Wait — I'm still paying for that?"
The subscription you forgot in 2024, quietly renewing every year.
What Upfront does
Three jobs. Done before the money moves.
See it coming.
Your whole month's debits, lined up by date — before any of them hit.
Every surprise, decoded.
We turn "₹4,999 debited" into "Cult.fit renews Friday — cancel by Thursday."
Catch the leaks.
Forgotten subscriptions and silent auto-debits, surfaced before they bill again.
Three steps
From scattered to seen, in two minutes.
01
Connect securely
At launch, you'll link accounts via RBI's Account Aggregator — read-only, consent-based, and revocable anytime.
02
We map your month
Every SIP, EMI, rent and AutoPay, sorted by date and amount.
03
Open it on the 28th
See what's leaving, what's left, and what to cancel. Breathe.
Your data, your device
How your data stays private.
Your money never leaves your phone. Upfront works like a calculator that lives in your pocket — it reads what's already on your device and does the math right there.
It stays on your phone
Upfront reads your bank alerts and receipts right on your device. Your raw financial data never reaches our servers.
The AI runs on-device
The forecasting happens on your phone, not in our cloud. We can't see your money — even if we wanted to.
You stay in control
Read-only and revocable anytime. No loans, no ads, no data sold. Ever.
// why you can trust us
Banks make money when you're surprised. We make money only when you're not.
You pay us a flat fee. No loan pushes, no data sold, no "personalised offers." A fintech that answers to you.
Stop bracing for the 1st.
Start seeing it coming. Drop your number and tell us a little about your money — the first 1,000 get a free year.
You're in.
We'll text you the moment Upfront opens — and your free year is locked in. See you before the 1st.
Questions
The honest answers.
Is my bank data safe?
Yes. Upfront is built to connect through RBI's Account Aggregator — read-only and revocable anytime — so we can read your patterns but never see your password and never move your money. We store and use your data only to show you your own forecast, and you can withdraw consent and have it deleted anytime.
Do you sell my data or push loans?
No. We charge a flat fee, so you're the customer — not the product. No lenders, no ads, no data sales.
How is this different from PhonePe / CRED / my bank app?
They show what already happened. Upfront shows what's about to — across all your banks, in one calendar.
Is this investment advice?
No. Upfront is an information and forecasting tool — it shows your own upcoming payments in plain language. It is not SEBI-registered investment advice, and we never recommend what to buy or sell.