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paisa Docs

Introduction

Paisa is a personal finance app for Indian households. Track spending, investments, and net worth — all in one place, across your entire family.

What it does

Section titled “What it does”
  • Track everything — transactions, bank accounts, credit cards, UPI payments
  • Investments & net worth — Zerodha integration, mutual funds, FDs, SIPs, net worth history
  • Goals & planning — savings goals, EMI tracker, sinking funds, FIRE calculator
  • Household finance — multi-owner tracking for couples, families, dependents
  • Smart alerts — budget overruns, CC due dates, FD maturities, SIP reminders via Telegram or browser

AI integration

Section titled “AI integration”

Paisa exposes its data through the Model Context Protocol (MCP), an open standard for connecting AI assistants to external tools and data.

If you connect an MCP-compatible AI assistant (Claude, Cursor, Windsurf, and similar), you can query and update your financial data in natural language:

"How much did I spend on food last month?"
"Can I afford a ₹50K trip this quarter?"
"Log a ₹2,400 grocery expense at DMart for Nimit"
"What's my savings rate over the last 6 months?"

Privacy model

Section titled “Privacy model”

Paisa supports private mode: a 6-digit PIN derives an AES-256-GCM key client-side. Sensitive fields (transaction descriptions, merchant names, notes) are encrypted before leaving your device. The server stores only ciphertext.

Stack

Section titled “Stack”
LayerTech
FrontendReact + Vite + TanStack Router
BackendBun + Hono + Drizzle + PostgreSQL
AI integrationMCP server (@paisa/mcp)
HostingCloudflare Workers (API) + any static host (web)

Next steps

Section titled “Next steps”