PayYaar - Expense Tracker

PayYaar — AI expense tracking, group expense split & AI Plan.

Track personal spending or split group bills with friends, roommates, couples, and travel groups. AI expense tracking, receipt scan, voice, AI Plan, settle-up, and pcoin cashback rewards in one app.

★ PERSONAL EXPENSE TRACKER
• Log groceries, bills, rides, and everyday spending privately
• Monthly totals + smart spending suggestions for refills and bills

★ AI EXPENSE TRACKING & SMART CAPTURE
• Text — "Dinner ₹1200, split 3 ways" and AI fills it
• Voice — speak what you spent, AI builds a ready expense
• Receipt scan — snap a bill, AI reads total and details
• Share into PayYaar from any app (Android)
• SMS import & alerts (Android) — detect bank debit SMS, confirm before saving
You always review — nothing saves automatically.

★ GROUP EXPENSE SPLIT & BILL SPLITTER
• Groups for Trip, Home, Couple, Roommates, Office, or Event
• Split bills equally, by exact amount, percentage, or shares
• Invite via contacts, phone, WhatsApp, or join links
• Live balance sheet — who paid, who owes, everyone in sync

★ AI PLAN FOR EVERY GROUP
• AI Plan for Personal, Trip, Home, Couple, Roommates, Office, Event
• Budgets and plans you track alone or with your group
• AI travel plan: route, stays, day-by-day itinerary, budget breakdown
• Voice fill, attach plan and seed expenses

★ PCOIN REWARDS, CASHBACK & COUPONS
pcoin is PayYaar's in-app rewards wallet. 1 pcoin ≈ 1 unit of your currency in cashback value — not withdrawable cash, not a bank balance.
Earn pcoin:
• Milestone bonuses — welcome signup, first shared group, first expense, first AI plan
• Partner offers — shop tracked deals, earn commission cashback as pcoin when purchases confirm (rate shown on each card)
• Track balance and activity in Profile
Spend pcoin:
• Unlock merchant coupon codes (price per deal, cheaper on Pro)
• Continue AI after free limits — text, receipt scan, voice, SMS detect, reminders, AI Plan, smart suggestions
• Unlocked codes stay in My coupons
PayYaar never holds or transfers real money.

★ SETTLE UP (UPI INDIA ONLY)
• Smart Settle-Up — fewest payments to clear balances
• Mark received, settlement reminders when pending
• UPI helpers — open PhonePe, GPay, Paytm pre-filled
• Add UPI ID or scan QR so friends can pay you

★ OFFLINE & EVERYDAY USE
• Offline sync, Android widget for scan, voice, AI Plan
• Push notifications, 16 languages, light/dark, phone OTP

★ PAYYAAR PRO
Free to start. Pro raises monthly AI, scan, voice, AI Plan, reminder, SMS, and connection limits — plus cheaper coupon unlocks. Or use pcoin after free limits. Resets monthly via Google Play.

★ PRIVACY
SMS parsing on device — no inbox permission. Text not uploaded unless you save. We do not sell your data.

Perfect for personal budgets, roommate rent, couple spending, office lunches, events, and trips.

Download PayYaar — AI expense tracker, group expense split, AI Plan & pcoin cashback. UPI in India.