Track spending in Lakhs, manage Udhaar, pay domestic help—all without your data leaving your device.
One app for budgets, accounts, credit cards, Udhaar, and household management - built specifically for how Indians manage money.
Daily Safe-to-Spend with velocity tracking
Cash, bank, cards, loans, investments
Informal credit with WhatsApp reminders
Maid, cook, driver attendance and salary
Milestones, rewards, forex calculator
Face ID protected card storage
Scroll down to explore each feature in detail
Stop guessing. Start knowing exactly how much you can spend today, this week, and this month with our intelligent budget system.
See your Safe-to-Spend velocity—know exactly how much you can spend each day. Visual burn rate indicators show if you're accelerating or decelerating spending.
Allowance: Set a fixed limit. Zero-Based: Auto-calculate from Income - Savings - Bills. Envelope: Per-category limits for granular control.
Visual progress bars show if you're spending faster or slower than your ideal pace. Dual-horizon view for both weekly and monthly tracking.
Unused budget rolls over to next period. Exclude one-off expenses (medical, laptop) from your daily budget calculations.
Complete financial overview with income projections, committed expenses, and shortfall analysis. See your money position across all accounts.
Track Cash, Bank Accounts, Credit Cards, Loans, and Investments in one place. See your complete financial picture at a glance.
See your Total Wealth (assets minus liabilities), Liquid Balance (excluding investments), and Net Worth—all updated in real-time.
HDFC, SBI, ICICI, Axis, Kotak, and all major PSU, private, and small finance banks. Just pick from the dropdown.
Billing dates, due date reminders, credit utilization percentage, and billed vs unbilled amount split.
Move money between accounts with full tracking. Pay credit card bills, make deposits, record refunds—all linked properly.
Sync app balances with your actual bank statements. Individual or bulk reconciliation with auto-created adjustment transactions.
Split your bank balance into "Available" and "Saved" portions. Mental accounting that actually works.
Track "hisaab-kitaab" the Indian way. Manage informal credit with your friends and family without awkwardness.
"To Pay" and "To Receive" ledgers keep everything organized. See your net balance with each person at a glance.
Split bills with friends easily. Create split groups, divide expenses equally or custom, and track who has paid their share.
Send polite payment reminders directly via WhatsApp. Contact sync integration picks numbers from your phone book.
Bank Transfer: Money moves to your account. Forgiven: Write off the debt. Settled Offline: Cash or in-kind settlement.
Track money to/from family with Gift, Support, and Udhaar nature types. Relationship reports show net balance per person.
Complete payroll for your household staff and tracking for daily recurring items like milk and newspaper.
Track maid, cook, driver, gardener with proper payroll. Fixed salary or per-visit rates with automatic calculations.
Mark Present, Absent, Late, or Half Day on a visual calendar. Leave deductions calculated automatically.
Track salary advances and auto-deduct from monthly pay. Professional payroll slips with full breakdown.
Track quantities with custom rate cards. Multi-variant support (Regular vs Gold milk), rate history, and bill prediction.
Track gas cylinders and water cans with reorder predictions. Know when it's time to book your next cylinder.
150+ Indian credit cards pre-loaded. Advanced features for maximizing rewards and managing your cards like a pro.
Store card numbers, CVV, and PINs with Face ID protection. Beautiful 3D stacked visualization with 10 color themes. Keychain encryption—data never leaves your device.
Set spend targets (monthly/quarterly/yearly). Visual progress bar. Never miss a milestone by ₹500 again!
Tag cards with "Best For" categories (Online, Dining, Travel, Fuel). Cheat sheet shows which card to use for each spend type.
See your credit period if you buy today. Get alerts when waiting a few days could give you 45 days credit instead of 20.
Convert large purchases to EMIs. Track tenure, processing fee, and remaining installments with monthly outflow summary.
Set card-specific forex markup (2% for Infinia, 3.5% for standard). Calculate true cost including markup + 18% GST.
Configure cashback percentage, caps, and thresholds. Estimator shows expected rewards. Track estimated vs received cashback.
Download PaisaFlow today and start your journey to financial clarity. Your data stays on your device—always.
Download on App Store