PayWatch

India's personal finance operating system

Every app shows you data.
We tell you what to do.

PayWatch consolidates your salary, investments, loans, insurance and taxes into one Money Health Score — then gives you a prioritised action plan with exact amounts, deadlines and the rupee impact of each step.

Get your score — freePlans from ₹299/month · cancel anytime

PayWatch is a financial education and organisation tool, not a SEBI-registered investment adviser. We never recommend specific stocks or schemes, and we never see your bank credentials.

One number. Six dimensions.
A plan that moves it.

01 — Connect

Link accounts via the RBI-regulated Account Aggregator framework, or enter details manually. We never ask for bank passwords — consent is granular, time-bound and revocable.

02 — Understand

Your Money Health Score quantifies savings, insurance, diversification, emergency readiness, debt and tax efficiency — benchmarked against planning standards, not opinions.

03 — Act

A prioritised action list with exact rupee amounts and deadlines. Complete an action, watch your score move. Ask PayWatch anything — answers grounded in your own numbers.

Ask PayWatch · AI

A finance expert in your pocket — that actually knows your money.

Most finance apps give you charts and leave you to figure it out. PayWatch gives you someone to ask. Your CFO sees your income, net worth, score and gaps, and answers in plain English with your own numbers — available any time, for the price of a coffee.

  • ✓ Grounded in your real numbers, not generic tips
  • ✓ Plain-English answers a beginner can act on
  • ✓ Education & organisation — it works alongside your CA and advisor, never replaces accountable advice
Ask your first question →
Should I prepay my home loan or invest the surplus?
Good question. Your loan is at 8.5%; after the 24(b) deduction your effective cost is about 6%. Long-run index returns have averaged 11–12% (not guaranteed), so investing usually wins on maths — but prepaying is a guaranteed, risk-free return.

A common split: 50% prepay, 50% into a broad index fund until your EMI is under 30% of take-home. Want me to size that for your numbers?

Example — your answers use your actual figures.

Less than your streaming subscriptions.

All prices include 18% GST. Annual plans: 12 months for the price of 10.

Starter

Get organised

₹299/month

  • ·Full Money Health Score
  • ·3 actions per month
  • ·5 CFO questions/month
  • ·2 goals · basic tax view
  • ·Data export anytime
Start with Starter
Most popular

CFO

Most popular

₹699/month

  • ·Unlimited actions & questions
  • ·Full tax engine — all sections
  • ·Complete insurance analysis
  • ·Human-reviewed AI answers
  • ·Quarterly advisor call (30 min)
Start with CFO

Family

Up to 4 members

₹1,199/month

  • ·Everything in CFO — per member
  • ·Consolidated family net worth
  • ·Family insurance overview
  • ·Estate & nomination checklist
  • ·Quarterly advisor call (45 min)
Start with Family