Your money brain
Tell us your dreams.
We’ll handle the money.
PayWatch turns every dream — a trip, a laptop, your parents’ health cover, your own café — into a plan with a date. Tax, insurance and investing are handled quietly in the background.
No card · English & हिंदी · talk or type
Just say it
Say it like you’d tell a friend.
Type it or say it — in English, Hindi or Hinglish. The brain works out the cost, the date, and where the money comes from.
Your dreams
Every dream gets a plan, a date and a status.
Hover a card. Each one shows how much is already set aside, what goes in every month, and when it’s done.
Bali trip
On trackDone by
Jul 2027
planned
₹9,000/mo
✨ ₹40,000 set aside for you
MacBook Air
ReadyDone by
Ready ✓
planned
₹0/mo
✨ ₹90,000 set aside for you
Parents’ health cover
A stretchDone by
May 2027
planned
₹2,500/mo
How it works
You live. It plans.
Tell it
Say a dream, upload a payslip or a bank statement — or answer a few quick questions. That’s the only work you do.
It plans
Every rupee you earn gets a job: living costs, a safety net, investing, your dreams — and guilt-free money you can just spend.
It runs itself
A raise, a bonus, a new EMI, a big purchase — the plan rewrites itself and tells you only when something needs you.
- 🔔
Your salary went up ₹8,000 this month — plan updated
Bali trip now finishes a month earlier.
2 hours ago
- 🪙
Set aside ₹40,000 of spare cash for your Bali trip
5 hours ago
- 🎉
MacBook Air is fully funded — ready when you are
yesterday
Quietly, in the background
The boring stuff, handled.
Tax
Both regimes compared, every deduction tracked, your return computed — file it yourself or hand it to your CA.
Insurance
Right-sized health and term cover, policies read from your PDFs, renewals never missed.
Investing
A simple category-level plan for your risk — no products pushed, ever.
Money health
One score across savings, safety, debt, tax and cover — moving up as you go.
Talk to it
A voice that sounds like a person — in English and हिंदी.
Tap once and talk. It listens, answers out loud, and keeps your plan updated while you speak. Or type, if you prefer.
Try it freeFuture you
Every month you wait has a price.
Drifting along
₹21,57,763
in 10 years, idle savings
With a plan
₹44,41,658
disciplined, stepped-up, diversified
That’s a
₹22,83,895 difference
Illustrative, nominal, not a guarantee of returns. Assumes ~3.5% idle vs ~11% diversified with an 8% yearly step-up. Markets carry risk.
Less than your streaming.
Launch offerLock in the launch price · prices include 18% GST
Free
Start here — no card
₹0free forever
- ✓Your money brain + dreams
- ✓Money Health Score
- ✓Top moves to make first
- ✓A taste of Ask PayWatch
Starter
Get organised
₹349₹199/month
- ✓Unlimited dreams & plans
- ✓Bank statement scan
- ✓Insurance & invest guidance
- ✓Prepare your ITR docs
CFO
Most popular
₹799₹499/month
- ✓Everything, unlimited
- ✓Voice assistant (EN + हिंदी)
- ✓Full tax engine + Tax Copilot
- ✓Alerts, briefing & document vault
- ✓Connect your CA
What’s your dream?
Write it down. We’ll turn it into a plan the moment you sign in.