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.
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.
out of 100
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 your CFO anything — answers grounded in your own numbers.
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
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)
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)