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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 63 tools via the Model Context Protocol (MCP) — an open standard for connecting AI assistants to external tools and data.

If you connect an MCP-compatible AI (Claude, Cursor, Windsurf, etc.), 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?"

Connect an MCP-compatible AI assistant to query and update your financial data in natural language.

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”