Stop typing expenses.
Just speak. AI does the rest.
Paymitra is your AI-powered money assistant that listens to your everyday spending, organizes it automatically, and gives you instant answers about where your money goes — so you can save more and stress less.
Why Paymitra
Finally, an expense tracker you'll actually use.
Most people stop tracking expenses because it's tedious. Paymitra removes the friction entirely — speak, and your AI assistant handles the rest. Insights, exports, and answers included.
Voice-first — 10x faster than typing
Say your expenses naturally and they're recorded in seconds. No more opening apps, filling forms, or forgetting at end of day.
AI that thinks like your accountant
Automatically understands amounts, categories, dates, and context from everyday language. You speak, it organizes.
Your data stays yours — always
All financial data lives on your device. No cloud spreadsheets, no shared databases. Complete privacy, zero compromise.
Tax-ready exports in one tap
Generate clean reports for your CA, share with your spouse, or back up your records — instantly, whenever you need.
See where your money really goes
Discover hidden spending patterns — daily, weekly, monthly. Know exactly where to cut back and where you're doing well.
Ask anything about your finances
Unlike basic trackers, Paymitra's AI assistant reasons over your spending history and gives personalized, actionable answers.
How it works
Three steps. Zero friction.
Speak naturally
Tap the mic and say your expenses however you like — in any language, any order. No forms, no typing.
AI understands instantly
Our AI picks up the amount, category, date, and context from your words — even "yesterday night" becomes the right timestamp.
Confirm & done
Review what AI captured, tweak if needed, and save. Your data stays private on your device, always.
See It In Action
Your real spending, one sentence. Paymitra handles everything.
Talk the way you normally would — mention multiple expenses, reimbursements, different days. Paymitra's AI sorts it all into clean records and answers your money questions anytime.
"Yesterday I spent ₹420 on coffee, ₹1,350 on dinner after my friend paid me back ₹500, ₹680 on Uber, ₹1,240 on groceries, and ₹999 on broadband."
Coffee
Food & drink
Captured from the transcript automatically
Dinner at Toit
Dining
₹500 payback separated as reimbursement
Uber
Travel
Logged for the same day
Airtel broadband
Bills
Saved as a clean recurring expense
Calculation: ₹420 + ₹1,350 + ₹680 + ₹999 = ₹3,449
Pricing
Plans that grow as you do.
Start at just ₹149/month — less than a cup of coffee. Upgrade when Paymitra saves you enough time and mental effort to justify it. Flexible top-ups when you need more, no lock-ins.
Starter
Casual personal use
Start tracking with AI
₹1,499/year (₹125/mo effective)
- 1 hour voice transcription / month
- 100 text expense entries
- 30 agentic AI chats
- Smart categorization & local storage
- Reports & one-tap export
Basic
Daily trackers
Smart personal finance assistant
₹3,999/year (₹333/mo effective)
- 3 hours voice transcription / month
- 300 text expense entries
- 75 agentic AI chats
- Deeper spending insights
- Reports & export
Pro
Serious users, couples & freelancers
AI money coach with deeper insights
₹8,999/year (₹750/mo effective)
- 6 hours voice transcription / month
- 800 text expense entries
- 200 agentic AI chats
- Advanced trends & coaching-style answers
- Priority experience
Pro+
Families, freelancers & small business
Full agentic finance workspace
₹19,999/year (₹1,667/mo effective)
- 10 hours voice transcription / month
- 2,000 text expense entries
- 500 agentic AI chats
- CA-ready reports & advanced agentic insights
- Built for heavy voice + workspace use
Need more this month?
Top up anytime. Speech packs are valid for 90 days. AI credits work across text entries, agentic chats, and monthly deep reports.
Speech top-ups
Extra voice transcription time · valid 90 days
- 30 minutes₹59
- 1 hour₹99
- 3 hours₹249
- 10 hours₹799
AI credit top-ups
1 text entry = 1 credit · 1 agentic chat = 3 credits · 1 deep report = 10 credits
- 100 credits₹99
- 300 credits₹249
- 1,000 credits₹699
Early access: founding users on Pro+ may qualify for ₹1,499/month (limited seats). Public list price stays ₹1,999/month.
FAQ
Questions you might have before getting started.
Everything you need to know about switching from manual tracking, spreadsheets, or other apps to Paymitra's AI-powered approach.
How is Paymitra different from other expense trackers?
Traditional apps make you type every expense, pick categories, and fill dates manually. Paymitra lets you speak naturally — our AI handles categorization, dating, and organization instantly. It’s like having a personal finance assistant in your pocket.
Do I need to type anything at all?
Not unless you want to. Just say “I spent ₹350 on lunch and ₹120 on coffee today” and Paymitra records both expenses with the right categories and dates. You can also type if you prefer — it works both ways.
What can the AI assistant actually do?
Think of it as a smart financial advisor that knows your spending inside out. Ask “Where did my money go this week?”, “Am I spending more on food than last month?”, or “What can I cut back on?” — it gives clear, actionable answers.
Can I ask questions about my spending history?
Absolutely. Ask anything — “How much did I spend on food this month?”, “What was my biggest expense last week?”, “Show me my travel spending” — and get instant, accurate answers based on your actual data.
Is my financial data safe and private?
100%. Your expense data never leaves your device. We don’t store your financial records on any server. No cloud databases, no data sharing, no ads based on your spending. Your money data is yours alone.
Why should I pay for Paymitra instead of using a free app?
Free apps make money from your data or show you ads. Paymitra is a premium AI assistant that saves you 15+ minutes daily, catches spending patterns you’d miss, and keeps your financial data completely private. It pays for itself in the money habits you build.
Your money deserves better than a spreadsheet.
Join early adopters who switched to AI-powered expense tracking. Spend 10 seconds speaking instead of 10 minutes typing.
Get early access