Early access — limited spots

Know what your household
is free to spend

Drop in a bank or card statement. Paisa reads it on your device — no bank login — turns UPI narrations into people and merchants, and tells your whole family what's left this month.

Paisa's home screen: how much is free to spend until the end of the month, what needs a look, and a setup checklist
Budgets: what's left this month, and which one is overGoals, with what each one needs a monthNet worth over time: cash, investments and what you owe
Real screens from the app, shown with sample data.
🇮🇳

Built for India, from the ground up

UPI, NEFT, IMPS, SIPs, FDs, PPF, NPS, Zerodha — every financial instrument Indians actually use.

₹ Indian rupee formatting
🏦 HDFC, ICICI, SBI, Amex statements
📱 UPI transaction parsing
📊 Zerodha integration

Everything included

Built for how Indian families
actually manage money

₹

Every rupee tracked

Bank statements, credit cards, UPI — all in one place. Auto-detection of categories, merchants, and duplicates.

🏠

Household finance

Track spending across your whole family. Assign owners per transaction — individual and joint finances side by side.

📈

Investments & portfolio

Zerodha integration, mutual funds, SIPs, FDs, PPF — track your full portfolio and net worth history.

🎯

Goals & planning

Savings goals with ETA, EMI tracker, sinking funds, and FIRE calculator — all pre-filled from your real numbers.

🔔

Smart alerts

CC bills, budget overruns, FD maturities, insurance renewals, SIP due dates — Telegram or browser notifications.

🔒

Private by default

Zero-knowledge PIN encryption. Sensitive fields encrypted client-side — the server stores only ciphertext.

📊

Deep analytics

Monthly breakdowns, category trends, spending heatmaps, and merchant analytics. Know where every rupee goes.

🏦

Debt & EMI tracker

Track all loans, EMIs, and credit lines. See payoff dates, total interest, and get ahead-of-schedule suggestions.

🤖

AI enhancement

Connect any MCP-compatible AI assistant to query your financial data in natural language. 39 tools, fully optional.

Household finance

Every family member,
one dashboard

Define owners — arjun, meera, joint — and tag every transaction.

  • ✓ Per-owner spend breakdown
  • ✓ Invite spouse or family members
  • ✓ Each member has their own encrypted private mode

April breakdown by owner

A
Arjun

₹38,200

62% of household

Needs

₹22,100

Wants

₹9,400

Invest

₹6,700

M
Meera

₹23,600

38% of household

Needs

₹14,200

Wants

₹5,800

Invest

₹3,600

Joint expenses ₹16,400

Portfolio overview

₹18.2L

+₹2.4L this year ↑ 15.2%

Equity (Zerodha) ₹8,40,000
Mutual Funds ₹5,20,000
Fixed Deposits ₹2,80,000
PPF / EPF ₹1,60,000

Active SIPs

5

FDs maturing

2 in 60d

Investments & net worth

Your full portfolio,
one place

Zerodha holdings, mutual funds, SIPs, FDs, PPF, NPS — Paisa aggregates everything and tracks your net worth over time.

  • ✓ Live Zerodha portfolio sync
  • ✓ SIP tracking with next-payment reminders
  • ✓ FD maturity calendar
  • ✓ Net worth history chart
  • ✓ XIRR / absolute return calculation

0

Bank logins needed

On device

Statement reading

9

Alert types

39

Claude tools

Built-in calculators

Plan with real numbers,
not guesses

Every calculator auto-fills from your actual data — no manual entry, no stale spreadsheets.

🔥

FIRE Calculator

How many more months until financial independence? Auto-filled from your actual savings rate and expenses.

🏠

EMI Calculator

Monthly EMI, total interest and payoff schedule for any loan, side by side with your real surplus.

📅

Rent vs Buy

Should you buy or keep renting? Compares the two over your horizon with your own numbers.

💳

Tax Regime

Old vs new regime with your income and deductions, so you pick the one that leaves more.

📈

SIP with Step-up

Project where a monthly SIP gets you, with a yearly step-up.

🏦

XIRR

Your portfolio's actual annual return, from your real investment dates and amounts.

Smart alerts

Know before it's
a problem

Paisa watches your finances 24/7 and pings you when something needs attention — before it costs you.

💳 CC bill due
📊 Budget overrun
🏦 FD maturing
📱 SIP reminder
🔚 EMI ending
📅 Insurance renewal
⚠️ Unusual spend
🎯 Goal milestone
💰 Net worth milestone
💳

CC bill due in 3 days

2m ago

HDFC Regalia — ₹24,600 due on Apr 17

Urgent
📊

Budget alert: Food

1h ago

91% of ₹15,000 — 16 days remaining

Warning
🏦

FD maturing in 11 days

3h ago

SBI ₹1,00,000 — Apr 28. Renew or redirect?

Reminder
🎯

Goal on track

Today

Home down payment · ₹2.8L of ₹5L saved

On track
Delivered via Telegram or browser push
AI Enhancement — optional

Ask your finances
anything

Paisa works great on its own. But connect an AI assistant via MCP, and you can query and update your real financial data in natural language — directly inside your AI chat.

Works with any MCP-compatible client: Claude, Cursor, Windsurf, and more. 39 tools covering every part of your data.

Set up AI integration →
U
How much did I spend on food last month?
✦
You spent ₹14,320 on food in March — ₹8,900 on groceries and ₹5,420 on eating out. That's 18% above your ₹12K budget.
U
Can I afford a ₹50K trip this quarter?
✦
Based on your current savings rate of 31% and ₹18K monthly surplus, yes — you can cover ₹50K over 3 months without touching your investments. Want me to create a sinking fund?
U
Yes, create it for July 15th
✦
Done. Sinking fund created: ₹16,667/month for 3 months. Saving ₹16,667 from your May surplus now.
Zero-knowledge encryption

Your data, your keys.
Names and notes stay unreadable to us.

Turn on private mode with a 6-digit PIN. Descriptions, reference numbers and notes are encrypted in your browser before they're saved. Amounts, dates and categories stay readable so totals, budgets and alerts keep working.

  • ✓ PIN never sent to server
  • ✓ Argon2id key derivation from your PIN
  • ✓ AES-256-GCM for descriptions, references and notes
  • ✓ Amounts and dates are not encrypted
  • ✓ 12-word recovery phrase if you forget your PIN

Standard mode (no PIN)

Merchant DMart Andheri
Notes Monthly groceries
Amount ₹3,420
🔒

Private mode enabled

Private mode (PIN active)

Merchant AgVNXoIzP2mK...
Notes 7rBxYqMnW9kL...
Amount ₹3,420

FAQ

Common questions

Paisa is in early access. We're rolling out to a small group first — pricing will be announced before general availability.

Drop a statement into Paisa: PDFs from HDFC, ICICI, SBI and Amex, or a CSV from any bank. It is read in your browser, so the file and its password never reach our servers. Claude (via MCP) can import other formats too.

No, by design. Paisa never asks for your bank login: it works from the statements your bank already emails you, read on your device.

In standard mode: all your financial data. In private mode: amounts and dates are stored in plain text, but merchant names, transaction descriptions, and notes are encrypted client-side — the server only stores the ciphertext.

Yes. You create a household, invite members, and define owners (e.g. 'arjun', 'meera', 'joint'). Each member has independent login and can have their own PIN for private mode.

No — Paisa is a complete personal finance app on its own. The AI/MCP integration is an enhancement for users who want to query data in natural language.

Get early access

Rolling out to a small group first. Join the waitlist and we'll reach out when your spot is ready.

No spam. No credit card. Just a heads-up when you're in.