Privacy-first · Auto-deleted after your session
Find the money
you’re losing.
Upload one statement and LabhPay shows exactly where your money leaks — interest, hidden fees, forgotten subscriptions — and how to get it back. Taxes and calculators included.
Statements · Form 16 & taxes · Income-tax, EMI, SIP & HRA calculators
Hidden charges found
₹0
You could still save
₹0
₹30L home loan · 20y
₹0
Auto-deleted
Statements vanish from our systems the moment your session ends.
Never used for training
Your financial data is never used to train models, retargeted, or resold.
Built for India
Indian banks, Indian merchants, INR-only, GST-aware insights.
One private app
Everything for your money, in one place.
Statements, taxes, and the tools in between — read securely and auto-deleted after your session.
Statement Intelligence
Find the money you're losing.
Upload a credit card or bank statement and LabhPay surfaces the interest, hidden fees and forgotten subscriptions draining you — each with one clear thing to do about it.
Analyze a statement₹0
leaked this cycle
Tax Saver
Pay less tax, legally.
Answer a few questions — or upload your Form 16 to auto-fill — and get a rupee-by-rupee plan: 80C, NPS, health cover, employer NPS, and the right regime.
Plan my tax savings₹0
you could still save this year
Free Calculators
Answers in seconds.
Income tax (old vs new), home & car loan EMI, mutual fund SIP returns and HRA exemption. Free, instant, and no sign-up required.
Open the calculators₹0
per month
Three steps. Then quiet clarity.
You upload. We read. You decide. Every document is processed in memory, encrypted in transit, and auto-deleted when your session ends.
- 01
Upload your document
A credit card or bank statement, or your Form 16 — any PDF from any major Indian bank or employer. Password-protected files are supported.
- 02
We read it privately
In seconds, LabhPay makes sense of it — charges and subscriptions surfaced, salary and tax decoded — all in memory, nothing stored.
- 03
Understand and act
See what matters in plain English: money to save, the smarter tax regime, the next step spelled out — with one tap to act on it.
Every major Indian credit card.
Questions
Credit card statements, demystified.
Common questions about reading your statement and using LabhPay.
What is LabhPay?
LabhPay is a free credit card statement analyzer made for India. Upload your statement PDF and it instantly shows hidden charges, recurring subscriptions, EMIs, your credit utilization and a clear breakdown of where your money went.
Is it safe to upload my credit card statement?
Yes. Your statement is processed in memory, encrypted in transit, and automatically deleted after your session ends. Your full card number is masked, and we never train on, sell, or share your data.
Which banks does LabhPay support?
LabhPay reads credit card statements from HDFC, SBI, ICICI, Axis, Kotak, AU, OneCard, IndusInd, RBL and American Express, with more banks being added.
Is LabhPay free to use?
Yes, it is completely free. Sign in with Google and upload your statement — no payment, and no card details are ever required.
What can LabhPay find in my statement?
It surfaces hidden charges such as finance and interest charges, GST and late fees; detects recurring subscriptions; flags EMI conversions; estimates your credit utilization; and groups your spending by category.
What is the minimum amount due on a credit card?
The minimum amount due is the smallest amount you must pay by the due date to avoid a late-payment fee. Paying only the minimum still accrues interest on the remaining balance — LabhPay shows you exactly how much that is costing you.
How do I read my credit card statement?
Upload the statement PDF to LabhPay and it automatically highlights your total amount due, due date, minimum due, finance charges, EMIs and category-wise spending — so you don't have to decode the statement line by line.