Personal expense tracker
Log groceries, bills, rides, and everyday spending in a private list. See monthly totals and stay on top of where your money goes.
Expense tracker · Savings app
PayYaar No. 1 AI
expense tracker
and savings app
PayYaar is a free AI expense tracker and savings app. Track everyday spending, set savings goals from income versus spending, and see where your money goes. Auto-detect bank debit alerts, capture expenses with AI, and keep personal and group spending in one place.
Get it onGoogle Play
App StoreComing soon
Free to start · Available on Android · iOS coming soon
- Free to startNo charge to open an account
- Available on AndroidiOS coming soon
- UPI helperNever holds your money
- In-app pcoinRewards
What is PayYaar?
PayYaar is an AI expense tracker and savings app. Sign in with your phone, log spending offline, and set savings goals that update as you spend. Use it for your own money or for costs you share with friends, roommates, or travel companions.
Unlike a bank app or digital wallet, PayYaar focuses on clarity: who paid, who owes, what the trip budget was, whether a savings goal is on track, and which deals can earn you pcoin. Auto expense detect on Android turns bank debit alerts into expenses you verify. Google Assistant shortcuts open item detection, SMS expenses, add expense, or goals from a long-press or “Hey Google” — add-expense records a voice note in the app, and you still confirm before save. Smart capture turns receipts, voice notes, and shared text into expense drafts you review before saving. Item detection photographs shopping items and estimates local unit market prices so you can log produce, groceries, clothing, and more without typing every line. Where available for India, pay utility bills and recharges through licensed partners — or spend enough pcoin to cover the full payable total. AskYaar, the PayYaar AI tab, works across all group templates so you can plan a trip itinerary, a household budget, a couple weekend, roommate costs, office spend, or an event — and from the same chat find offers and coupons or start an India bill or recharge. Travel Guide estimates destination costs for a trip group. Spending behaviour shows where personal money went over the last few months. Then track the numbers as life happens.
Expense tracker and savings app features
The expense tracker logs everyday spending. The savings app turns that spending, plus the income you enter, into goals you can follow.
Savings goals
Set a target and deadline. PayYaar compares your income with personal spending so progress updates as you spend — and you can add money you already saved.
Group bill splitting
Create shared groups for trips, rent, roommates, couples, office outings, or events. Split equally, by amount, percentage, or shares — with live balances everyone can see.
AI smart expense capture
Add expenses by typing, voice, receipt scan, or sharing text from another app. PayYaar suggests the amount and details — you confirm before anything is saved.
Auto expense detect
On Android, PayYaar reads bank debit alerts from notification access and can auto-save them as expenses for you to verify. No SMS inbox permission.
Item detection
Photograph shopping items — produce, groceries, clothing, electronics, and more. PayYaar estimates local unit market prices near you so you can review and add them as expenses.
Google Assistant shortcuts
On Android, long-press the PayYaar icon or say “Hey Google, open … in PayYaar” to jump into item detection, SMS expenses, add expense, or savings goals. Add-expense from Assistant records a voice note in the app — you still confirm before anything is saved.
AskYaar
The PayYaar AI tab. Plan budgets, check savings goals, add expenses, ask price questions, find offers and coupons, or start an India bill or recharge — then confirm before an expense is saved.
Travel Guide
Pick a trip group and estimate destination costs — transport, stay, food, activities, and places to visit — before anyone spends.
Spending behaviour
See where personal spending went over the last few months, with trends, watch-outs, and tips you can act on.
UPI settlement helpers
See who owes whom, save a UPI ID, and open your UPI app to pay. PayYaar helps you settle — it never holds or transfers your money.
India bill pay & recharge
Pay utility bills and mobile, DTH, or data-card recharges through licensed BBPS and payment partners (where available). Use UPI or cards via the gateway — or spend enough in-app pcoin to cover the full payable total.
Offers, cashback & coupons
Browse partner deals, earn cashback as in-app pcoin on confirmed purchases, and unlock merchant coupon codes — coupons can save up to 80% on expenses. Spend pcoin on coupons, metered features, or eligible India bill pays. Rewards stay inside PayYaar — not a bank wallet.
Spending behaviour
See where personal spending went over the last few months, with trends, watch-outs, and tips you can act on.
Example illustration. These amounts are not your data and not a PayYaar statistic.
How PayYaar works
From first sign-in to settled balances, Assistant shortcuts, savings goals, bill pay, and cashback, the flow stays simple.
Sign in with your phone
Create a free PayYaar account with OTP verification. Your personal expense list is ready in seconds.
Track, detect, or invite a group
Log spending yourself, let Android auto-detect bank debit alerts, ask Google Assistant to open add expense or item detection, or start a shared group and invite friends with a link.
Set a goal, capture, and settle
Create a savings goal, use AskYaar or Item detection, review balances, and settle with UPI helpers when it is time to clear debts.
Earn pcoin — spend on deals or bills
Open Offers for partner cashback, unlock coupons with pcoin, or use pcoin to pay eligible India bills and recharges when you have enough balance.
Built for every shared-money moment
Pick a group template that matches your life, then use AskYaar, expenses, goals, and settlements together.
Trip expense manager
Estimate the trip in Travel Guide, plan the itinerary in AskYaar, split hotels and meals fairly, and settle without spreadsheet chaos.
Roommate & rent splits
Track rent, utilities, and grocery runs in one Home or Roommates group with transparent balances.
Couple & family budgets
Use Couple or Personal templates to plan dates, household spending, and savings goals in one place.
Office & event costs
Split team lunches, office supplies, or event budgets so nobody is left chasing payments later.
Frequently asked questions
Quick answers about the PayYaar expense tracker and savings app, including savings goals, auto expense detect, and how spending is tracked.
What is PayYaar?
PayYaar is a free AI expense tracker and savings app for Android. It helps you track personal spending, set savings goals, and see where your money goes. You can also auto-detect expenses from bank alerts, use Google Assistant shortcuts, split group bills, chat with AskYaar, estimate trip costs in Travel Guide, review spending behaviour, settle with UPI helpers, pay India bills and recharges where available, and earn partner cashback as in-app pcoin.
Is PayYaar a payment app or wallet?
No. PayYaar is a bookkeeping and rewards discovery tool. It does not hold money, process peer UPI settlements itself, or act as a bank. Group settlements open in your existing UPI app. Where available for India, bill pay and recharge go through licensed BBPS and payment partners — and you can also pay eligible bills by spending enough in-app pcoin. pcoin is a rewards unit — not withdrawable cash.
How do savings goals work?
Set a name, target amount, and deadline. PayYaar uses the monthly income you enter and your personal spending to estimate how much you are saving. You can also add money you already set aside. A goal shows as on track, spending high, reached, or missed. Reached goals move to the Achieved tab. Progress is a bookkeeping estimate — not a bank balance.
How does auto expense detect work?
On Android, optional SMS expense alerts use notification access to read bank debit alerts in your notification shade — not your SMS inbox. PayYaar can suggest an expense, or auto-save it for you to verify. OTP, promo, and non-debit messages are ignored. You can turn detect and auto-save off in Profile anytime.
What can AskYaar do?
AskYaar is the PayYaar AI tab. It plans budgets for any group template, checks savings goals and this month’s leftover, adds expenses from chat, and answers price or spend questions. You can also ask for offers and coupons that match recent spending, or start an India electricity bill, mobile recharge, or DTH recharge and continue to pay in the app. You always review and confirm before an expense is saved.
How does smart expense capture work?
You can type, speak, scan a receipt, or share text into PayYaar. AI suggests expense fields for you to review. Nothing from capture is saved until you confirm. On Android, optional auto expense detect can also add bank debit alerts as expenses marked for review, and Google Assistant shortcuts can open add expense, item detection, SMS expenses, or goals.
Can I use PayYaar with Google Assistant?
Yes on Android. Long-press the PayYaar icon or say “Hey Google, open item detection / SMS expenses / add expense / goal in PayYaar.” Add-expense from Assistant starts PayYaar’s in-app voice capture so you can say the amount in English or Hindi. Nothing is saved until you confirm in the app.
What is Item detection?
Item detection lets you photograph shopping items — produce, groceries, clothing, electronics, and more. PayYaar identifies them and estimates local unit market prices near you. You review quantity and rate, then add the items as expenses. Prices are estimates, not scanned tags.
How do offers and pcoin cashback work?
Shop through tracked partner offer links in the app. When a purchase is confirmed by the affiliate partner, a share of commission may be credited as pcoin. Spend pcoin to unlock coupon codes, pay eligible India bills and recharges, or continue using metered features after free limits.
Can I pay bills with pcoin?
Yes, where India bill pay is available. If your pcoin balance covers the full payable total shown in the app (including any disclosed fee), you can settle eligible utility bills and recharges with pcoin instead of the payment gateway. Failed pcoin settlements may be refunded as pcoin to your in-app balance.
Is PayYaar free? Is there a Pro plan?
Yes — PayYaar is free to start with monthly limits on features like smart capture, Item detection, SMS expense detections, PayYaar AI plan generations, and reminders. PayYaar Pro unlocks higher limits and other benefits shown in the app. Billing is handled through Google Play.
Download the expense tracker and savings app
Start free on Android today. Use PayYaar as your expense tracker and savings app: log spending, set savings goals, and see where your money goes. iOS is launching soon.
Get it onGoogle Play
App StoreComing soon