PaisaPani

PaisaPani is a free, India-first expense tracker and money manager that shows you exactly where your money goes — automatically.

Most of us pay for everything over UPI, cards and net banking, but rarely know how much we actually spend. PaisaPani reads your bank and UPI transaction alerts on your device and records every spend for you — no manual entry, no bank login required.

WHY PAISAPANI
• Automatic expense tracking from bank & UPI notifications
• Works with Indian banks, UPI apps and wallets
• Private by design — your data stays on your device
• 100% free — no subscription, no paywalls
• Available in 13 Indian languages

TRACK YOUR MONEY AUTOMATICALLY
• Auto-capture spends from bank/UPI notifications
• Import statements from PDF, Excel/CSV and UPI files
• Quick-add cash expenses manually
• Smart auto-categorisation tuned for Indian merchants
• Split transactions, add notes and search instantly
• Transfers and person-to-person payments are detected and kept out of your spend totals

UNDERSTAND YOUR SPENDING
• Spending breakdown by category and merchant
• Monthly spending trends — income vs expense
• Account balances at a glance
• Subscriptions & bills detected automatically
• Home-screen widget for this month's spend

STAY ON TOP OF BILLS & BUDGETS
• Reminders for rent, EMIs, credit-card bills and subscriptions
• Credit-card bill reminders created from your statements
• Set category budgets with alerts at 80% and 100%
• Optional weekly spending summary

SAVE MORE
• Curated deals, coupons and cashback offers
• Compare credit cards, loans, insurance and investments

PRIVATE & SECURE
• Local-first — your transactions live on your device
• Optional encrypted cloud backup and cross-device restore
• App lock with PIN, fingerprint or face unlock
• No SMS permission, no ads SDK, no advertising ID
• Export your data to PDF or Excel anytime

MADE FOR INDIA
Built for Indian bank and UPI formats, the rupee, and 13 languages: English, Hindi, Bengali, Telugu, Marathi, Tamil, Gujarati, Kannada, Malayalam, Punjabi, Odia, Assamese and Urdu.

Take control of your money with PaisaPani — track spending, pay bills on time and save more, all for free.

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PaisaPani is a referral partner for financial products, not a lender, insurer or adviser. Loan, card and insurance offers are provided by RBI/IRDAI/SEBI-registered partners; final terms are set by them. Mutual fund investments are subject to market risk — read all scheme documents carefully.