Now accepting early access

Know exactly where your paisa goes

Upload your bank statement or connect Gmail. Auto-categorize spending, optimize card rewards, and ask Penny — your AI CFO — anything.

🚀 First 500 signups get priority access + bonus features
AES-256 encrypted Works offline RBI compliant
9:41
Good morning Avinash ₹
A
Financial Health
78 /100
Good
This Month
₹47,850
spent of ₹60k budget
Savings Rate
24%
↑ 3% from last month
Recent Transactions See all →
🍕
Swiggy
Food & Dining
-₹428
2:30 PM
🛒
Amazon
Shopping
-₹1,299
Yesterday
🚕
Uber
Transport
-₹186
Yesterday
ICICI
Use Amazon Pay ICICI for Swiggy orders to earn 2% back
+₹84
🏠 Home
📊 Stats
💬 Penny
⚙️ Settings

"We check our bank balance like we check the weather — anxious, squinting, hoping it's better than we think."

PaisaBook makes the answer clear.

How It Works

Three steps to clarity

01

Upload or connect

Drop a PDF/CSV from any major Indian bank, or connect Gmail to auto-import transaction alerts. SBI, HDFC, ICICI, Axis, Kotak — all supported.

02

Watch it categorize

AI reads merchant names and patterns. Food, transport, rent, subscriptions — sorted automatically. Smart enough to know "SWIGGY*ORD" is food delivery.

03

Ask Penny anything

"How much on food in January?" — Penny knows. Natural language queries, instant answers from your own data. Your personal AI CFO.

Features

Built for India

Not a generic expense tracker. Designed for Indian banking, UPI, and your credit cards.

💳

Card Rewards Optimizer Live

Know which card to swipe for maximum rewards. Database includes HDFC Infinia, ICICI Amazon Pay, SBI Elite, Axis Flipkart & 40+ more.

Ask Penny: "Which card for Swiggy?" → Get instant suggestions
📧

Gmail Import

Connect Gmail to automatically read transaction alerts. No manual uploads — your transactions appear as emails arrive.

Works with HDFC, SBI, ICICI, Axis transaction alerts
🧠

UPI Intelligence

Knows the difference between paying ₹500 to Swiggy vs sending ₹500 to your friend Rahul. Smart merchant detection.

Recognizes 130+ merchant patterns and payment gateways
📊

11 Dashboard Widgets

Health score, monthly trends, category breakdown, top merchants, budget tracking — all in one view.

Ask Penny to create custom charts with natural language
📄

20+ Bank Formats

We've reverse-engineered statement formats from every major Indian bank. Drop a PDF or CSV and go.

SBI, HDFC, ICICI, Axis, Kotak, PNB, BOB, IDFC & more
🔒

Privacy First

Statements parsed on-device. Raw files never touch our servers. Optional encrypted cloud sync for cross-device.

AES-256 encryption · RBI compliant · Zero data selling

Meet Penny

Your AI CFO who actually understands your finances. Not generic advice — real answers from your own transactions.

💬
Ask questions in plain English or Hindi
📊
Create custom dashboard widgets on demand
💳
Get card recommendations for any merchant
🔍
Deep dive into any category or time period
"How much did I spend on Swiggy last month?"
"Which card should I use for groceries?"
"Add a widget for food spending trends"
₿
Penny
● Online
How much did I spend on food in January?
You spent ₹12,450 on food in January — 23% of your total. Swiggy was your top merchant at ₹4,200, followed by Zomato at ₹3,100.
Which card should I use for Swiggy?
Use Amazon Pay ICICI — you'll get 2% back. Your HDFC Millennia only gives 1% on food delivery. That's ₹420 extra saved!
💡 Tip: You can ask about any category, merchant, or time period
👨‍💻

"I built PaisaBook because I was frustrated with generic expense trackers that didn't understand Indian banking. Every month I'd miss credit card rewards, forget subscriptions, and have no idea where my money went. Now I know — and soon you will too."

Avinash
Founder, PaisaBook
Security

Your data. Your device. Always.

🔐

AES-256 Encryption

Bank-grade encryption. Same standard protecting your actual bank account.

💻

On-Device Processing

Statements parsed locally. Raw files never touch our servers.

🛡️

RBI Compliant

Built in compliance with Reserve Bank of India data protection guidelines.

🚫

Zero Data Selling

We never sell your financial data. Our business model is the product.

Roadmap

Built & Building

Transparency about what works today and what's coming next.

✓ Live What's Built

✓
Bank Statement Parsing
20+ Indian banks — SBI, HDFC, ICICI, Axis, Kotak & more
✓
Gmail Transaction Import
Auto-read alerts from HDFC, SBI, ICICI, Axis
✓
Auto-Categorization
AI sorts food, transport, rent, subscriptions automatically
✓
Penny AI Assistant
Ask questions about your spending in plain English
✓
UPI Intelligence
130+ merchant patterns, detects personal vs business
✓
Card Rewards Optimizer
40+ Indian credit cards with category-wise reward rates
✓
11 Dashboard Widgets
Health score, trends, budgets, top merchants & more

◐ Soon What's Coming

◐
Subscription Tracker
Auto-detect recurring payments, renewal alerts
◐
Export Reports
PDF/Excel exports for your CA at tax time
◐
Goals & Savings Targets
Set goals, track progress, get nudges
◐
Proactive Alerts
Penny warns you before problems happen
◐
Mobile App
iOS & Android native apps
?
Your idea here
What would make PaisaBook useful for you?

Building this for real users, not assumptions. What feature would make you actually use PaisaBook?

💬 Suggest a Feature

Ready to take control of your paisa?

Join the waitlist. Be among the first to experience smart expense tracking built for India.

We'll email you once when it's ready. No spam, ever.