Live Simulator Features Security Vault Pricing Plans Frequently Asked Questions Return & Refund Policy Shipping & Delivery Terms & Conditions Privacy Policy Grievance Redressal Customer Support
Get PaisaTrack Pro
Next-Gen Indian Expense & Cashflow OS • 100% On-Device Engine

Master Your Money.
Zero Manual Entry.

PaisaTrack automatically detects bank debit SMS and UPI notifications (Google Pay, PhonePe, Paytm, CRED) 100% on-device. Zero bank credentials required. Operated with verified compliance by Aarvix Technologies.

Get on Google Play Try Live Parser Demo
Verified Merchant: Aarvix Technologies • 100% On-Device & Private • No NetBanking Passwords
PaisaTrack Live App Interface
Zero Bank Logins
No NetBanking credentials
100% On-Device
SMS parsed in local RAM
Instant SaaS Delivery
Pro activated in 0-5 mins
7-Day Guarantee
Unconditional full refund
100% On-Device Financial Intelligence

Automated Indian SMS & UPI Engine

Reads transaction debit texts from SBI, HDFC, ICICI, Axis, Kotak and UPI notification banners (Google Pay, PhonePe, Paytm, CRED). Filters out marketing spam and OTP alerts automatically.

Supported Banking & Payment Ecosystem (Native Dual-Channel Telemetry)
SBI (State Bank of India)
HDFC Bank
ICICI Bank
Axis Bank
Kotak Mahindra
G Google Pay
PhonePe UPI
Paytm UPI
CRED Pay
+ 40 More Scheduled Indian Banks
Auto-Blocked 0 bytes saved

🛑 Marketing & Loan Spam

"Congratulation! Pre-approved personal loan ₹5,00,000 at 10.5% waiting. Apply bit.ly/loans"

Heuristic regex filters discard promotional messages, credit card sales calls, and spam texts before they ever enter memory.

✓ Auto-Filtered: Never enters financial ledger
Security Shield Cryptographic drop

🔒 2FA & NetBanking OTPs

"492018 is your secret OTP for NetBanking login. Do NOT share with anyone."

Authentication and security codes are automatically isolated and purged from RAM. Zero passwords or login tokens are ever logged.

✓ 100% Private: Discarded with zero storage
Parsed in 8ms On-device RAM

⚡ Verified Transaction Debits

"Rs. 1,450.00 debited from A/C **4921 at Swiggy via UPI. Ref: 42981023812"

Instantly extracts Merchant, Amount, Bank A/C, and UTR. Auto-categorizes to Food, Travel, or Bills in milliseconds.

✓ Auto-Logged: Stored in offline encrypted SQLite
Interactive Test Console: Tap Any Bank, UPI App, or Filter Demo
Live Engine
Incoming Device Notification HDFCBK
Rs. 1,450.00 debited from A/C **4921 at Swiggy on 28-OCT-26 via UPI. Ref: 42981023812. Avl Bal: Rs 42,100.
Security State: 100% On-Device Data Shared: 0 Bytes
Parsed Ledger Output Parsed in 8ms
🍕
Swiggy
Food & Dining • Auto-categorized
-₹1,450.00
UTR: 42981023812
Bank Account: HDFC A/C **4921
Duplicate Protected: Active
Financial Privacy Standards

Engineered for Zero-Leak Privacy

Unlike traditional finance apps that demand your NetBanking credentials or scrape sensitive contacts, PaisaTrack is built on client-side sandboxing.

No NetBanking Logins

We never ask for your bank password, debit card CVV, or NetBanking OTP. Your money cannot be moved, authorized, or redirected through PaisaTrack.

100% Local SQLite Storage

Every transaction, bill, and category is saved locally in an AES-256 encrypted database directly on your smartphone. You own your financial history completely.

Zero Third-Party Ad Brokers

We don't monetize by selling your spending habits to credit card companies or loan aggregators. Our business model is 100% transparent through PaisaTrack Pro.

Core Capabilities

Complete Personal Financial Operating System

Everything you need to track spending, optimize budgets, and preserve wealth.

On-Device Telemetry Engine

Automated Indian SMS & UPI Engine

Reads transaction debit texts from SBI, HDFC, ICICI, Axis, Kotak and UPI notification banners (Google Pay, PhonePe, Paytm, CRED). Filters out marketing spam and OTP alerts automatically.

✓
100% On-Device Parsing in Local RAM
✓
Unique UTR Hash Engine (Zero Duplicate Logs)
✓
Smart OTP & Promotional Spam Blocker
Supported Indian Rails:
SBI HDFC ICICI Axis Kotak GPay PhonePe Paytm CRED
Live Interception Stream Android SMS & UPI Notification Banner
HDFC
HDFC Bank Debit Alert
Sender: VM-HDFCBK
Just now
Rs. 1,450.00 debited from A/C **4921 on 29-OCT-26 to Swiggy via UPI. Ref: 42981825832. Avl Bal: Rs 62,180.
✓ On-Device Parsing Zero Cloud Uploads • 100% Private
On-Device Regex & NLP Extraction Engine
0.02s Latency
पे
PhonePe Notification
App: com.phonepe.app
2m ago
Paid ₹280.00 to Chai Point successfully. UPI Ref: 41920841290.
✓ Auto-Categorized: Food & Dining Duplicate UTR Checked
🍕
Swiggy • Food Delivery
Food & Dining • HDFC **4921
-₹1,450.00
✓ Logged to SQLite Vault

AI Receipt & Bill OCR

Point your camera at supermarket receipts, fuel bills, or restaurant checks. Machine learning extracts merchant, date, tax, and itemized totals in 2 seconds.

AI Receipt and Bill OCR Scanning Interface

Smart Category Budgets

Set realistic monthly caps on dining, shopping, and fuel. PaisaTrack gives you predictive alerts before your monthly envelope is exhausted.

Smart Category Budgets and Envelope Interface

Visual Cashflow Velocity

Interactive charts reveal where your money flows. Compare month-over-month trends, isolate non-essential subscriptions, and optimize savings rates effortlessly.

Visual Cashflow Velocity Analytics Interface

Encrypted Vault Backup

Optional zero-knowledge cloud backup ensures your historical ledgers are safe even if you replace or lose your phone.

PaisaTrack Zero-Knowledge Encrypted Vault Backup

Group Split & Settle

Split dinner tabs, shared apartment groceries, or vacation travel expenses. Generate 1-tap WhatsApp settlement links.

WhatsApp Group Expense Split
PhonePe Payment Gateway Verified

Transparent, Fair Pricing

No hidden recurring debits. No unexpected renewals. Upgrade to Pro for intelligent automation with an unconditional 7-day money-back guarantee.

Free Tier

Starter

Essential offline tracking for personal use.

₹0 / lifetime free
Manual expense & income logging
Standard expense categories
100% offline local device storage
Basic search & CSV export
Install Free App
Monthly Flexibility

Pro Monthly

Complete automation for active spenders.

₹79 / month
Smart SMS & UPI Auto-Capture
AI Receipt & Bill OCR Scanning
Encrypted multi-device cloud sync
7-Day Money-Back Guarantee
Upgrade in App
Save ~37% • Best Value
Annual Savings

Pro Annual

Full year of automated financial clarity.

₹599 / year (₹49.9/mo)
All Pro Monthly features included
Full 12 Months Unlimited AI Scans
Priority email & desk support
7-Day Money-Back Guarantee
Get Annual Pro
Billing & Payment Compliance Disclosures (Aarvix Technologies)

• Tax Treatment: All published subscription prices are final and inclusive of applicable Goods and Services Tax (GST).

• Non-Recurring Policy: PaisaTrack subscriptions are strictly non-auto-debiting. Your payment method will NEVER be charged automatically. Manual re-purchase is required upon expiry.

• Digital Fulfillment: Instant access within 0 to 5 minutes upon successful PhonePe transaction confirmation. Shipping charge is ₹0.00.

• Refund Guarantee: Subject to our Return, Refund & Cancellation Policy, an unconditional 7-Day Money-Back Guarantee applies.

Questions Answered

Frequently Asked Questions

Clear answers about security, permissions, PhonePe payments, and refunds.

How does Smart SMS & UPI auto-capture work? Does it read my passwords or OTPs?
No. PaisaTrack never touches or records your OTPs, passwords, or account login credentials. Our on-device parsing engine strictly inspects financial debit notifications (e.g. "INR 350 debited at Swiggy via UPI"). All parsing happens 100% locally on your phone hardware.
What is the Return & Refund Policy for PaisaTrack Pro?
We offer an unconditional 7-Day Money-Back Guarantee. If you are not satisfied with Pro features, email paisatrack69@gmail.com within 7 days of purchase. Refunds are initiated within 24–48 hours and credited to your original payment method in 5–7 business days. View our full Return, Refund & Cancellation Policy.
How is the Pro subscription delivered after payment?
PaisaTrack Pro is a 100% digital SaaS product. Upon successful payment verification through the PhonePe gateway, your Pro features are activated digitally within 0 to 5 minutes. Shipping charges are ₹0.00. Read our Shipping and Delivery Policy.
Will my card or UPI be charged automatically when the plan expires?
No. All PaisaTrack subscriptions are non-recurring. When your 1-month or 1-year duration concludes, your account gracefully reverts to the Free Starter tier until you manually choose to re-subscribe.
Which legal entity operates PaisaTrack?
PaisaTrack is developed, owned, and operated by Aarvix Technologies (Proprietorship of Latha), registered in Bengaluru, Karnataka, India.

Need Assistance?

Our customer support and grievance team is here to assist you with any questions or account queries.

paisatrack69@gmail.com
Support Hours: Mon–Fri, 10 AM – 6 PM IST