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Managing money as a teen in college is very tough. Especially with UPI payments, we often forget to realize how much we are spending each day and how much is actually left in our accounts.

TallyUp is a teen-focused budget tracker and expense splitter app built around the UPI ecosystem.

It helps you:

  • Set Budgets for categories like food, travel, shopping, or savings.

  • Track Payments automatically through UPI integration.

  • Split Expenses with friends instantly.

  • Save Smarter with visual insights and expense breakdowns.

Its unique selling proposition (USP) lies in budget splitting. For example, imagine you want to buy a pair of shoes and have been saving some money each month. TallyUp allows you to create a category called “Shoes”, where you can add the money you’ve been saving. This way, you’ll always know how much money is in that category and how much is left in your actual account after assigning funds to it. You can even set a limit on how much money can go into the “Shoes” category.

This approach helps you track and reflect on your spending habits while promoting financial discipline. It makes budgeting far easier and hassle-free, while also encouraging responsible saving and spending.

TallyUp is not just an app — it’s a step towards better financial literacy and independence among teens.

Votes: 22
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Comments

  • really like how TallyUp positions itself around financial literacy for teens — that’s a powerful niche. You’ve clearly identified a behavioral gap in how young people handle UPI transactions. The focus on discipline through design gives it both social and business value
  • This would seriously help me manage my money better. I always lose track of how much I’ve spent on food or random stuff, and the idea of saving separately for things like shoes or trips sounds so useful.
  • ow, this is actually a really smart idea! Integrating UPI directly with category-based budgeting is something I haven’t seen in most Indian finance apps. The ‘budget splitting’ concept feels fresh and super relevant for Gen Z — practical and tech-savvy
  • I really like how TallyUp focuses on helping teens handle UPI spending more consciously. The category-wise tracking and budget-splitting idea feels very practical. It not only simplifies saving but also helps users understand where their money is going.
  • Managing expenses through UPI can indeed be challenging for students, and TallyUp addresses that issue effectively. The idea of category-based budgeting and instant expense splitting makes money management more organized. The example of saving for “Shoes” clearly highlights how goal-oriented saving can help build financial discipline among teens.
  • This is a really strong and relatable concept — the UPI-based integration makes it highly relevant for Indian teens. The “budget splitting” feature is a great differentiator, especially the idea of assigning money to specific goals like “Shoes.” You could further strengthen TallyUp by adding features like spending alerts, gamified savings challenges, or peer comparisons to make financial tracking more engaging. Overall, it’s a well-thought-out and impactful idea!
  • That’s such a smart and relevant idea! UPI makes spending so effortless, and an app like TallyUp could really help teens stay mindful and build healthy money habits early on.
  • Really interesting idea! I like how it identifies a real problem and provides a clear solution. The focus on impact, scalability, and user benefits makes it stand out. Excited to see how this grows and the value it creates!
  • Love how simple and student-friendly this sounds. One thought: maybe add a feature where parents can contribute to specific savings categories
  • The expense splitting feature and the category-saving idea is perfect for college life and feels super practical for students. Notifications for overspending would be a great addition!
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