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.
Built for India, from the ground up
UPI, NEFT, IMPS, SIPs, FDs, PPF, NPS, Zerodha — every financial instrument Indians actually use.
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.
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
₹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
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.
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 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 track
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 →
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)
Private mode enabled
Private mode (PIN active)
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.