# PaisaFlow: Money Manager — Budget, CC, Udhaar

> Budget, CC, Udhaar (iPhone/iPad app by Bala Murali.)

- Source: https://appshunter.io/ios/app/paisaflow-money-manager/id6757779580 (this page in markdown: same URL + `.md`)
- Developer: [Bala Murali](https://appshunter.io/developer/1868889751)
- Category: Finance, Productivity
- Price: Free
- Age rating: 4+
- Requires: iOS 17.0 · 12 MB
- Languages: American English
- Released: 2026-01-14
- Data updated: 2026-05-18
- User reviews in markdown: https://appshunter.io/ios/app/paisaflow-money-manager/id6757779580/reviews.md

## What is PaisaFlow?

Master Your Money with the Ultimate Indian Expense Tracker.

Meet PaisaFlow, the hyper-localized financial companion designed specifically for the Indian lifestyle. Unlike generic global apps, PaisaFlow speaks your language—handling everything from Chai expenses and Udhaar settlements to Domestic Help payroll and Credit Card management.

Best of all? It is Privacy-First. Your financial data never leaves your device. No servers, no cloud, no spying. Just you and your money.

WHY PAISAFLOW?

BUILT FOR INDIA
• Indian Numbering: View all your finances in Lakhs and Crores.
• Local Categories: Pre-set categories for Kirana, Zomato, Auto, and Chai.
• WhatsApp Integration: Send payment reminders directly via WhatsApp.

100% PRIVATE AND SECURE
• Offline First: All data lives on your iPhone.
• No Sign-up Required: Start tracking immediately.
• Face ID Vault: Store sensitive credit card details (Number, CVV, PIN) in a secure, encrypted vault accessible only by you.

SMART UDHAAR AND GROUP SPLITS
• Digital Khata: Track To Pay and To Receive amounts seamlessly.
• Group Expenses: Went on a trip? Paid for dinner? Split expenses instantly and track settlements.
• Settlement Modes: Mark debts as settled via Bank Transfer, Cash, or Forgive them.

DOMESTIC HELP AND DAILY LOGS
• Staff Attendance: Track attendance for your Maid, Cook, Driver, or Gardener.
• Auto-Payroll: Automatically calculate monthly salaries based on attendance, cutting advances and leaves.
• Milk and Paper: Log daily quantities and get AI-powered bill predictions at the end of the month.

CREDIT CARD POWERHOUSE
• Billed vs. Unbilled: Clearly see what is due now versus what is upcoming.
• Smart Payments: Pay bills effortlessly with options for Minimum Due, Full Outstanding, or Custom amounts.
• Reward Optimizer: Know exactly which card to use for Dining, Travel, or Fuel to maximize points.

DYNAMIC SMART BUDGETING
• Safe-to-Spend: Don't just see a total; see how much you can safely spend today to stay on track.
• Burn Rate: Visual indicators tell you if you are spending too fast or saving well.
• Budget Planner: A comprehensive monthly view of Income vs. Committed Expenses vs. Discretionary Spending.

OBLIGATIONS AND ACCOUNTS HUB
• Fixed Expenses: Track EMIs, SIPs, Rent, and OTT subscriptions in one command center.
• Net Worth: Get a live snapshot of your Total Wealth (Assets minus Liabilities).
• Liquid Balance: Know exactly how much cash is actually available to spend vs. what is locked in investments.

PREMIUM iOS EXPERIENCE
• Interactive Widgets: Check your budget directly from your Home Screen.
• Action Button Support: Record expenses instantly on iPhone 15 Pro and 16.
• Beautiful Themes: Choose from Light, Dark, or the stunning Liquid Glass theme.

Take control of your financial flow today. Download PaisaFlow.


## Version history (last 5 releases)

### 2.3.8 — 2026-02-19

What's New in PaisaFlow v2.3.8

1. Edit Udhaar Entries
Made a mistake when recording money you owe or are owed? Now you can edit unsettled Udhaar entries directly:
- Edit contact name and phone number
- Modify the amount
- Update notes and due dates
- Switch between "To Pay" and "To Receive"
- Account balances automatically sync after editing

2. Credit Card Overpayment Handling
Accidentally paid more than your credit card outstanding? PaisaFlow now handles overpayments gracefully:
- Detects when payment exceeds outstanding balance
- Offers to auto-adjust to exact outstanding amount
- Option to proceed with overpayment (creates credit balance)
- Clear warnings and confirmations to prevent mistakes

3. Enhanced Budget Input
Setting your savings and spending budget is now more flexible:
- Direct Amount Entry: Tap any amount to enter exact values with a number pad
- Input Mode Toggle: Switch between percentage mode (dial/slider) and amount mode
- Smart Quick Amounts: Context-aware suggestions like ₹10K, ₹25K, ₹50K based on your available funds
- Editable Spending Budget: Tap spending amount to set budget from spending perspective
- Two-Way Sync: Percentage and amount inputs stay synchronized

Bug Fixes
- Weekly Spending Calculation: Fixed incorrect weekly spending totals for weeks that span across months (e.g., a week starting in January and ending in February now correctly shows spending for that week)
- Budget Wizard Double-Counting: Fixed issue where already-credited income was being counted twice in month-end projections

### 2.3.7 — 2026-02-02

What's New in PaisaFlow v2.3.7

1. Edit Udhaar Entries
Made a mistake when recording money you owe or are owed? Now you can edit unsettled Udhaar entries directly:
- Edit contact name and phone number
- Modify the amount
- Update notes and due dates
- Switch between "To Pay" and "To Receive"
- Account balances automatically sync after editing

2. Credit Card Overpayment Handling
Accidentally paid more than your credit card outstanding? PaisaFlow now handles overpayments gracefully:
- Detects when payment exceeds outstanding balance
- Offers to auto-adjust to exact outstanding amount
- Option to proceed with overpayment (creates credit balance)
- Clear warnings and confirmations to prevent mistakes

3. Enhanced Budget Input
Setting your savings and spending budget is now more flexible:
- Direct Amount Entry: Tap any amount to enter exact values with a number pad
- Input Mode Toggle: Switch between percentage mode (dial/slider) and amount mode
- Smart Quick Amounts: Context-aware suggestions like ₹10K, ₹25K, ₹50K based on your available funds
- Editable Spending Budget: Tap spending amount to set budget from spending perspective
- Two-Way Sync: Percentage and amount inputs stay synchronized

Bug Fixes
- Weekly Spending Calculation: Fixed incorrect weekly spending totals for weeks that span across months (e.g., a week starting in January and ending in February now correctly shows spending for that week)
- Budget Wizard Double-Counting: Fixed issue where already-credited income was being counted twice in month-end projections

### 2.3.6 — 2026-02-01

NEW: Transaction Location Tracking

Track WHERE you spend! PaisaFlow can now automatically tag transactions with your location.

LOCATION FEATURES:
• Automatic Location Capture - Transactions tagged with your current location
• Transaction Map View - See all expenses on an interactive map
• Geographic Analytics - View spending by city, location, and travel patterns
• Pin Color Modes - Color pins by type (expense/income) or category
• Date Filtering - Filter map by date range with quick presets
• Travel vs Local - Understand spending patterns when traveling

PRIVACY FIRST:
• Location is optional - skip during onboarding
• Enable/disable anytime in Settings → Privacy
• All data stays on your device

NEW: Early Salary Payment Support

For salaries that arrive early (e.g., Jan 30 for February):
• Mark income streams as "May be paid early"
• Configure early payment window (1-7 days)
• Early payments correctly attributed to intended month
• Smart notifications during early payment window

BUG FIXES:

Udhaar (Informal Credit):
• Fixed: Udhaar entries now properly created when marking transactions as "Udhaar"
• Auto-migration fixes orphaned Udhaar transactions from previous versions

Payday Confirmation:
• Fixed: Transactions now properly saved when confirming payday
• Fixed: Linked account pre-selected in confirmation sheet
• Fixed: Keyboard dismissal improved
• Added: Tap payment history to edit linked transaction
• Added: Auto-repair for missing payday transactions

ACCESS: More Tab → Transaction Map

### 2.3.1 — 2026-01-26

Version 2.3.1

This update brings our biggest improvements yet to Credit Card management and Budget Planning! We have completely overhauled how you track rewards, cashback, and monthly budgets.

MAJOR CREDIT CARD UPGRADE
- Multi-Tier Cashback: Configure specific rates for different categories (e.g., 10% on Groceries, 5% on Travel).
- Reward Points System: Full support for tracking base earnings, accelerated tiers, and redemption history.
- Spend Accelerators: Track your progress toward spending milestones to unlock higher reward rates.
- Smarter Bill Pay: Choose between paying the Full Amount, Billed Amount, Minimum Due, or a Custom amount with one tap.
- Billed vs. Unbilled: View a clear split of your statement balance versus pending charges.

BETTER BUDGETING
- Redesigned Money Breakdown: A clearer, step-by-step flow for planning your month.
- Mid-Month Sync: Easily mark income as received and expenses as paid for accurate real-time projections.
- Shortfall Planning: Automatic detection of budget gaps with actionable funding suggestions.

ENHANCEMENTS AND POLISH
- Complete Backups: All data models, including credit card configs and reward tracking, are now fully backed up.
- Bulk Reconciliation: Update all your account balances at once.
- Quick Pick Contacts: Your most frequent contacts now appear first.
- UI Updates: New dial pickers for dates, monospaced digits for better readability, and a cleaner transaction view.

Enjoying PaisaFlow? Please consider leaving a review.

### 2.0.5 — 2026-01-20

What's New in Version 2.2.0

Introducing PaisaFlow! We’ve refreshed our look and completely rebuilt how you plan your budget


ALL-NEW BUDGETING EXPERIENCE
• 5-Step Wizard: A brand new step-by-step guide makes setting up your monthly budget easier than ever.
• Summary Dashboard: Once set up, view your entire budget at a glance with a new dashboard card. Tap any section (Income, Savings, Spending) to edit values inline instantly.
• Smart Shortfall Detection: The wizard automatically detects if your spending exceeds your liquid funds and helps you plan how to cover the gap.
• Savings Dial: Interactive dial to easily set your savings target percentage.

PAISAFLOW BRANDING & REDESIGN
• Brand New Look: Welcome to PaisaFlow. We’ve updated the app with a fresh green theme and a modern welcome experience.
• Custom Launch: A beautiful new launch screen to start your financial journey right every time you open the app.


TURBOCHARGED TRANSACTION ENTRY
• Auto-Focus & Navigation: The amount field now auto-focuses when you open the screen. Use the "Enter" key or keyboard toolbar to fly through Amount → Note → Merchant without lifting a finger.
• Merchant Autocomplete: As you type a merchant name, we suggest recent ones you've used before.
• Auto-Category Fill: Selecting a suggested merchant automatically fills in the category based on your past habits.

ADVANCED LIQUIDITY PLANNER
• Live Comparison: Compare your actual liquid funds against your remaining budget in real-time.
• Buffer vs. Deficit: Visual indicators show exactly how much "extra" buffer you have or if you are facing a shortfall.
• Week & Month Views: Switch between a weekly breakdown or a daily pace view to see your financial health your way.
• Instant Adjustments: Adjust your budget directly from the planner with a live preview of the impact on your daily spending limit.

SMARTER BUDGET LOGIC
• Dynamic Weekly Budget: Your weekly "Safe to Spend" now adjusts dynamically. If you overspend in Week 1, Week 2's budget automatically decreases to keep you on track for the month (and vice-versa).
• Discretionary Calculation: Fixed expenses (like EMIs and bills) are now correctly excluded from your discretionary budget.

QUICK ACCOUNT PICKER
• Smart Suggestions: The app analyzes your last 30 days of history to show your top 3 most-used accounts right at the top of the picker.
• One-Tap Selection: Instantly tap a "Quick Pick" chip to select an account and automatically switch to the correct account type.

SYNC & RELIABILITY
• Mid-Month Sync: Transactions are now correctly backdated to their actual due dates.
• Notification Fixes: Notifications now refresh automatically on launch so you never miss a bill due date.
• Context-Aware Transfers: Starting a transfer from an account details screen now smartly locks that account as the source.

As always, all your data stays 100% on your device. No servers, no cloud, complete privacy.

## More apps by Bala Murali

- [Lucid - Night Out Buddy](https://appshunter.io/ios/app/lucid-night-out-buddy/id6759319205)

All apps by Bala Murali: https://appshunter.io/developer/1868889751

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-05-18.*