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.
AI expense tracker · Google Assistant · auto detect
PayYaar Track expenses. Hit goals. Split bills.
PayYaar is the free smart expense app for personal budgets and group spending. Auto-detect bank debit alerts, jump in with Google Assistant shortcuts, set savings goals from income vs spending, capture expenses with AI, share live balances, settle with UPI helpers, and earn partner cashback as in-app pcoin.
Get it onGoogle Play
App StoreComing soon
Free to start · Available on Android · iOS coming soon
What is PayYaar?
PayYaar is an AI-powered expense tracker and bill splitting app with phone OTP sign-in, offline expense entry, savings goals, Google Assistant shortcuts, UPI settlement helpers, and partner shopping rewards. Whether you manage your own spending or share costs with friends, roommates, or travel companions, PayYaar keeps every rupee organized in one place.
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. PayYaar AI 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 — then track the numbers as life happens.
Expense tracking features that keep groups in sync
Everything you need to track spending, hit savings goals, open features with Google Assistant, split fairly, plan ahead, settle quickly, and earn rewards — without awkward payment math.
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.
PayYaar AI Chat
One chat to plan budgets, check savings goals, add expenses, and ask price questions — then confirm before anything is saved.
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.
Offers, cashback & coupons
Browse partner deals, earn cashback as in-app pcoin on confirmed purchases, and unlock merchant coupon codes. Rewards stay inside PayYaar — not a bank wallet.
How PayYaar works
From first sign-in to settled balances, Assistant shortcuts, savings goals, 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 PayYaar AI or Item detection, review balances, and settle with UPI helpers when it is time to clear debts.
Shop deals and earn pcoin
Open Offers for partner cashback, unlock coupons with pcoin, and stretch your budget further.
Built for every shared-money moment
Pick a group template that matches your life, then use PayYaar AI, expenses, goals, and settlements together.
Trip expense manager
Plan the itinerary with PayYaar AI, split hotels and meals fairly, and settle the trip 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 app, savings goals, Google Assistant shortcuts, auto expense detect, bill splits, Item detection, PayYaar AI, UPI helpers, and pcoin.
What is PayYaar?
PayYaar is a free smart expense tracker and bill split app for Android. It helps you track personal spending, set savings goals, auto-detect expenses from bank alerts, jump in with Google Assistant shortcuts, split group bills, chat with PayYaar AI, settle with UPI helpers, 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 UPI payments itself, or act as a bank. Settlements open in your existing UPI app, and pcoin is an in-app 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. Goals show as on track, spending high, achieved, or missed. 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 PayYaar AI Chat do?
PayYaar AI Chat helps you plan budgets for any group template, check savings goals and this month’s leftover, add expenses from chat, and ask price or spend questions. You always review and confirm before anything is saved. Browse Offers and Coupons, or pay India bills and recharges, from their own tabs in the app.
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 or continue using metered features after free limits.
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 PayYaar expense tracker
Start free on Android today. Track personal expenses, set savings goals, ask Google Assistant to open add expense or item detection, auto-detect bank alerts, split group bills, build AI plans, settle with UPI helpers, and earn partner cashback as pcoin. iOS is launching soon.
Get it onGoogle Play
App StoreComing soon
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