PaisaPilot: Expense Tracker

PaisaPilot is a simple expense tracker, budget planner and money manager made for India. Track daily expenses, UPI payments and bills, plan budgets, and see exactly how much is safe to spend today. No sign-up needed and your data stays on your phone. Free with a small banner ad — remove ads for ₹20/month or ₹100 once.

Most expense manager apps make you type every rupee. PaisaPilot can read your bank and UPI SMS alerts on your phone and turn them into transactions you simply confirm, so tracking your spending takes seconds.

💰 SAFE TO SPEND TODAY
Your daily spending limit, calculated from your balance, the bills still due this month and your savings goals. Open the app, see the number, spend with confidence.

📩 AUTOMATIC EXPENSE TRACKING FROM SMS (Android)
• Detects debits, credits, refunds and ATM withdrawals from bank and UPI SMS
• Works with alerts from banks such as HDFC, SBI, ICICI and Kotak, and UPI apps
• You review every transaction before it is saved
• SMS are processed on your phone and never uploaded

📊 BUDGET PLANNER
• Monthly or weekly budgets for food, groceries, rent, fuel, shopping and more
• Spending updates automatically and resets every period
• Alerts when you reach 50%, 80% or 100% of a budget

🧾 BILL REMINDERS & SUBSCRIPTION TRACKER
• Track rent, electricity, broadband, mobile recharge and credit card bills
• Bill calendar with upcoming and overdue bills
• Mark a bill paid in one tap; recurring bills schedule themselves
• See what Netflix, Spotify and other subscriptions really cost per month and per year

🎯 SAVINGS GOALS
Save for an emergency fund, a trip, a phone or a wedding. PaisaPilot shows how much to save each month and whether you are on track.

🏦 LOANS, EMI & CREDIT CARDS
• Track home, car and personal loans with EMI and interest
• See your loan payoff date and how much interest extra payments save
• Monitor credit card dues and credit utilisation

📈 NET WORTH & REPORTS
• Net worth across bank accounts, cash, investments, loans and cards
• Track mutual funds, stocks, PPF, FD and gold
• Category-wise spending, income vs expense for 6 months and top merchants
• 30-day cash flow forecast and a financial health score
• Ask the built-in assistant: "How much did I spend this month?"

🔒 PRIVATE BY DESIGN
• No account or login required
• Your financial data and SMS stay on your phone and are never used for ads
• Free with one small banner ad on the main screens — never while you add expenses or review SMS
• Remove ads for ₹20/month or ₹100 once; everything else stays free
• Export transactions to CSV (Excel) or a full backup file, and restore anytime
• Delete all your data in one tap

Light and dark themes. Supports ₹ INR, plus $ USD, € EUR and £ GBP display.

Whether you want a daily expense tracker, a monthly budget app, a UPI spend tracker or a simple hisab kitab for your household, PaisaPilot helps you control your money and save more every month.

PaisaPilot is a personal finance organiser and does not provide financial advice.