Everything after the bill arrives
Dividing a number is the easy part. Paisa is built around what comes next — getting the money back without three awkward reminders.
Pay back over UPI
Show a QR and your friend scans it with the UPI app already on their phone. Money moves bank to bank; Paisa is never in the middle and never takes a cut.
Settle without an account
One share link. They find their name, pay, and mark it sent — no download, no signup. You confirm when it lands, and the balance clears.
One ledger across every group
Flatmates, the Goa trip, the office lunch fund — if one person owes you in all three, that's a single number and a single reminder.
Splitting
- Equal, percentage, exact-amount and share-based splits
- Debt simplification, so everyone settles in the fewest payments
- Save & add another, and duplicate a past expense, for fast repeat entry
- Reusable templates for the bills that recur without a fixed schedule
- Receipts and attachments — images or PDFs
- Drafts, and optional approval before an expense counts
Recurring & planning
- Recurring expenses and income on any cadence — daily to yearly, every N periods
- Skip a single occurrence without pausing the whole rule
- Generate one on demand when a bill arrives early
- A monthly run-rate: what's already committed before you decide anything
- Budgets with alerts, per category, group or person
Collecting & settling
- Collections for contributions, gifts and trip advances, with target tracking
- Settlement requests with an approve or reject step
- Settlement proof upload, when someone wants a record
- One nudge covering everything a person owes you
Reports
- Spend over time, against the previous window of equal length
- Committed versus discretionary — what was promised before the month began
- Breakdowns by category, member, tag, account, currency or weekday
- Member ledger: what each person paid against what they owed
- Income versus expense, net saved and savings rate
- Export any view as CSV, Excel or PDF
Groups & people
- Workspaces above groups, for a family, club or organisation
- Owner, editor and viewer roles that actually restrict things
- Invite by link or email, with expiry and single-use options
- Comments and @mentions on any expense or settlement
- A per-group activity log of what changed and who changed it
Money & language
- Multi-currency with the rate frozen onto each expense
- Foreign-currency bills collected in your group's own currency
- Full Hindi interface — one toggle flips every screen
- Per-person currency, date and number formats
Everywhere
- Offline-first: add expenses with no signal, syncs on reconnect
- Installs as an app on phone and desktop
- Realtime sync — balances update live across devices
- Dark mode, and built mobile-first rather than shrunk down
Notifications
- Web push and email, each switchable on its own
- Quiet hours — reminders wait for morning instead of buzzing at night
- Reminders for settlement requests, mentions and budget alerts
And the part that keeps it honest
Your money never passes through Paisa. Payments go UPI to UPI, their bank to yours. We hold no funds, take no cut, and will never ask for your PIN, OTP or bank details. Access is enforced by the database, not just hidden in the interface.
How security worksAll of it, at ₹0
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