Logging every purchase is a chore.
One line does it: coffee 4.50, uber 18 yesterday. Or nothing at all when your bank alert comes in.
Coming soon to Google Play
Text your spending.
Paymitra handles the rest.
The AI money companion for Android. Type a payment like you'd text a friend, or let Paymitra catch your bank alerts. It sorts everything, shows where your money goes, and points out what's worth changing.
- No bank login
- Records stay on your phone
- No ads, ever
- Less than a coffee a month
Screens from the Android app. Sample data.
A little calmer. Every time you open it.
Soft layers, thoughtful motion and a clear view of your money. Here's the app taking shape.
Screens from the Android app. Sample data.
Your day, at a glance
A clear total, your monthly pace and the payments behind it.
Find the little details
Search, filter and revisit any payment in a few taps.
Make it yours
Add a payment by hand, even when you're offline.
Common problems with tracking money
Budget apps want your bank login.
Paymitra never asks for it. Your records are stored only on your phone, encrypted.
Generic advice doesn't help.
Every tip comes from your own numbers, with the purchases behind it.
How it works
Design previews with sample data. Features are in development.
- 1
Type it or let it come in
Write a few payments in one line, in your own words. Turn on payment alerts and card or UPI payments save themselves.
- 2
It sorts, and asks when unsure
Merchant, category, card and date are filled in for you. Anything uncertain waits in a short list with one friendly question.
- 3
See where it goes and what to change
Insights you would not spot yourself, from late-night delivery habits to a subscription that quietly went up.
Features
Design previews with sample data. Features are in development.
Write it like a text
Several payments in one line, typos and shorthand included. In India, Hinglish works too: chai 20, petrol 500 kal.
- Multiple payments at once
- Understands yesterday, last Friday, the 3rd
- Undo on every save
Catches your bank alerts
With your permission, Paymitra reads payment notifications from the bank, card and payment apps you choose, including bank text alerts. One-time passwords, offers and personal messages are ignored.
- You pick which apps
- Duplicates merged automatically
- Read on your phone
It learns how you pay
Tell it once that card ending 1007 is your Amex for work, or that Zelle to Raju is rent. It remembers, links future payments, and shows you everything it knows. Change or forget anything.
Ask Mitra anything
Mitra answers from your actual records with exact numbers, and shows the purchases behind every answer. On Pro it can fix categories, merge duplicates and set up rules for you, after you confirm.
Reports that drill all the way down
Start at the month, tap a category, then a merchant, then the exact purchase. Compare any two periods, see your weekly rhythm, and export to CSV, Excel or PDF.
Nudges you control
A daily check-in, a Sunday story, budget alerts, renewals before they hit, quiet hours. Each one only shows up when there's something real to say.
Costs less than a coffee. Built to find more than that.
Pro is $4.17 a month on the yearly plan. Paymitra looks for the things that quietly cost more: forgotten subscriptions, price rises, small daily leaks.
Example
A streaming plan you forgot: $15.99 a month is $192 a year.
Example
A price rise you missed: $2.50 more a month is $30 a year.
Example
Late-night delivery, 2 fewer orders a week: about $180 a month.
Pro for a year: $49.99.
Found for you. Paymitra keeps an honest running tally of money it helped you keep, like subscriptions you cancelled after it flagged them. It only counts what you confirm.
Already careful with money? Then Paymitra shows you that, month after month, with a clear record of where you spent less than usual.
Examples are illustrations. What you save depends on what you change.
Why Paymitra
Paymitra
- Yearly price
- $49.99 Pro, free plan available
- Needs your bank login
- No
- Add payments by typing one line
- Yes
- Captures payments automatically
- Yes, from alerts you allow
- Learns your cards, people and merchants
- Yes, and shows what it learned
- AI that answers with your exact numbers
- Yes, with the records behind it
- Where your records live
- On your phone, encrypted
- Built for Android
- Yes
Bank-sync budget apps
- Yearly price
- About $95 to $110
- Needs your bank login
- Yes, through an aggregator
- Add payments by typing one line
- No
- Captures payments automatically
- Yes, from bank feeds
- Learns your cards, people and merchants
- Partly
- AI that answers with your exact numbers
- Varies
- Where your records live
- Their servers
- Built for Android
- Some are iPhone only
Free SMS trackers
- Yearly price
- Free, often funded by loans or ads
- Needs your bank login
- No
- Add payments by typing one line
- No
- Captures payments automatically
- Yes, from SMS
- Learns your cards, people and merchants
- Partly
- AI that answers with your exact numbers
- No
- Where your records live
- Varies
- Built for Android
- Yes
Spreadsheets
- Yearly price
- Free
- Needs your bank login
- No
- Add payments by typing one line
- No
- Captures payments automatically
- No
- Learns your cards, people and merchants
- No
- AI that answers with your exact numbers
- No
- Where your records live
- Your file
- Built for Android
- Yes
Typical of each category as of October 2026. Check each app for its current features and prices.
Private by design
- No bank login. Ever.
- Records stored only on your phone, encrypted
- App lock with fingerprint or PIN
- AI requests processed, never stored by Paymitra
- No ads, no selling data
- Export or delete everything, any time
Simple plans. Start free.
Every new account gets 14 days of Pro, no card needed.
Save up to 40%
Free
For getting started.
$0
- Manual tracking, unlimited
- Auto-capture for 1 card or account
- 30 typed entries a month
- 10 questions to Mitra a month
- This and last month of reports
- CSV export and encrypted backup
Plus
For everyday tracking.
$29.99a year
$2.50/mo
- Auto-capture for every card
- 300 typed entries a month
- 40 questions to Mitra a month
- 12 months of drill-down reports
- 8 insights and category budgets
- Excel export and automatic backup
Most popular
Pro
Everything Paymitra can do.
$49.99a year
$4.17/moOnly 18¢ more than Plus monthly
- Generous fair use for typing and Mitra
- Mitra fixes and organizes for you
- Subscription finder and price rise alerts
- All 12 insights with live alerts
- Compare any periods, all history
- Monthly AI report as PDF
- Multi-currency and places
Founding members at launch: Pro yearly for $29.99 for the first year.
- Pay through Google Play.
- Cards, PayPal and Play balance.
- Cancel any time in Google Play.
US prices exclude sales tax.
Frequently asked questions
When can I download Paymitra?
Paymitra is coming soon to Google Play, starting in the US, then India. Join the early testers to try it first.
Do I need to connect my bank?
No. Paymitra never asks for bank logins. You type payments, or let it read payment alerts from apps you choose.
How does auto-capture work?
With your permission, Paymitra reads payment notifications from the bank, card and payment apps you pick. It ignores one-time passwords, offers and personal messages. You can turn it off any time.
Where is my data stored?
Your records are stored only on your phone, encrypted, behind an app lock. Our server keeps your account, plan and usage counts, never your records.
What does the AI see?
Only what it needs for that moment: the note you typed, or your question and the specific records needed to answer it. Paymitra processes it and keeps none of it, and our AI providers are set not to collect it.
Does it work in India?
Yes. Rupees, UPI, Indian bank alerts and Hinglish are supported. India launch follows the US.
Is there an iPhone app?
Not yet. Paymitra is built for Android first.
How do I pay?
Through Google Play. In the US: cards, PayPal and Play balance. In India: UPI Autopay, cards, net banking and Play balance.
Can I cancel any time?
Yes, in Google Play, with one tap. You keep your plan until the end of the period you paid for, and your records stay with you.
Will there be ads?
No. Paymitra is paid for by subscriptions only. No ads, no data selling, no loan offers.
How do I delete my account?
In the app: Settings, Account, Delete my account. Or see the delete account page.
Be one of the first.
We're opening Paymitra to a small group of early testers before it reaches Google Play.