Track spending, investments, and net worth — across your entire family. Budgets, goals, alerts, EMIs, and more. Everything you need, nothing you don't.
Net Worth
₹28.4L
+4.2%
Spent (Apr)
₹42,180
₹18K left
Savings rate
31%
↑ from 28%
Surplus
₹8,640
investable
Monthly breakdown
Recent transactions
DMart
Groceries · Today
−₹3,420
HP Petrol
Transport · Yesterday
−₹2,800
Salary
Income · 1 Apr
+₹61,000
Built for India, from the ground up
UPI, NEFT, IMPS, SIPs, FDs, PPF, NPS, Zerodha — every financial instrument Indians actually use.
Everything included
Bank statements, credit cards, UPI — all in one place. Auto-detection of categories, merchants, and duplicates.
Track spending across your whole family. Assign owners per transaction — individual and joint finances side by side.
Zerodha integration, mutual funds, SIPs, FDs, PPF — track your full portfolio and net worth history.
Savings goals with ETA, EMI tracker, sinking funds, and FIRE calculator — all pre-filled from your real numbers.
CC bills, budget overruns, FD maturities, insurance renewals, SIP due dates — Telegram or browser notifications.
Zero-knowledge PIN encryption. Sensitive fields encrypted client-side — the server stores only ciphertext.
Monthly breakdowns, category trends, spending heatmaps, and merchant analytics. Know where every rupee goes.
Track all loans, EMIs, and credit lines. See payoff dates, total interest, and get ahead-of-schedule suggestions.
Connect any MCP-compatible AI assistant to query your financial data in natural language. 63 tools, fully optional.
Define owners — arjun, meera, joint — and tag every transaction.
April breakdown by owner
₹38,200
62% of household
Needs
₹22,100
Wants
₹9,400
Invest
₹6,700
₹23,600
38% of household
Needs
₹14,200
Wants
₹5,800
Invest
₹3,600
Portfolio overview
₹18.2L
+₹2.4L this year ↑ 15.2%
Active SIPs
5
FDs maturing
2 in 60d
Zerodha holdings, mutual funds, SIPs, FDs, PPF, NPS — Paisa aggregates everything and tracks your net worth over time.
65+
API endpoints
22
Data tables
9
Alert types
63
MCP tools
Built-in calculators
Every calculator auto-fills from your actual data — no manual entry, no stale spreadsheets.
How many more months until financial independence? Auto-filled from your actual savings rate and expenses.
What EMI can you handle based on your real monthly surplus? Compare banks, tenures, and interest rates.
Planning a big purchase? Reverse-calculate monthly savings needed from today to target date.
What happens to your savings rate if you take on a new EMI? See the impact before you commit.
Project SIP returns with your actual investment history. XIRR, absolute return, and future value.
Compare FD rates across banks. Factor in TDS, tenure, and your effective tax rate.
Paisa watches your finances 24/7 and pings you when something needs attention — before it costs you.
CC bill due in 3 days
2m agoHDFC Regalia — ₹24,600 due on Apr 17
UrgentBudget alert: Food
1h ago91% of ₹15,000 — 16 days remaining
WarningFD maturing in 11 days
3h agoSBI ₹1,00,000 — Apr 28. Renew or redirect?
ReminderGoal on track
TodayHome down payment · ₹2.8L of ₹5L saved
On trackPaisa 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. 63 tools covering every part of your data.
Set up AI integration →Enable private mode with a 6-digit PIN. Your PIN derives an AES-256-GCM key entirely client-side — sensitive fields never leave your device unencrypted.
Standard mode (no PIN)
Private mode enabled
Private mode (PIN active)
FAQ
Paisa is in early access. We're rolling out to a small group first — pricing will be announced before general availability.
Use the CSV import on the Transactions page for manual imports, or connect an MCP-compatible AI assistant to parse and ingest bank statements automatically.
Not yet — Paisa works with exported statements (CSV/PDF) and manual entry. Direct bank feeds are on the roadmap.
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.
Yes. Paisa runs on Cloudflare Workers (API) and any static host (web). See the self-hosting guide in the docs.
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.