Paisafy

Getting started with Paisafy

A hands-on walkthrough, screen by screen. Each screen is an interactive tour: tap the glowing pin, or use Next, to step through what every part does. Follow it in order to set everything up, or jump to the part you need.

1

Set up your accounts

Add your accounts and read your balances and net worth.

 2

Record & organize spending

Log transactions by hand or with AI, and keep categories tidy.

 3

Plan your month

Set budgets and keep track of the bills you pay each month.

 4

Reach your goals

Create goals and read the insights that look ahead.
1

Set up your accounts

Accounts are the foundation. Once they're in, every balance, budget and insight is built from them.

Paisafy welcome screen

flag Start here

Open the app

There's no sign-up and no account to create. On first launch you can jump straight into adding an account, set it up as a linked second device, or skip and explore. Everything you add stays on your phone.

cloud_offNothing here needs an internet connection. Online features (AI, exchange rates, backups) are always optional.
Choosing an account type
Account details

add_circle Create

Add your first account

Tap Add account and walk through a short wizard. Step one picks the type; the rest fills in the details.

  1. Pick the type. Checking, Savings, Cash, Credit Card, Investment and more. The type decides how the account behaves.
  2. Loans are special. A Loan or Mortgage tracks what you borrowed (or lent) and its payoff schedule.
  3. Name it so you recognize it in lists.
  4. Give it a colour to tell accounts apart at a glance.
  5. Currency. Each account can have its own; cross-currency totals convert automatically.
  6. Starting balance. Enter what's in it today (a calculator is built in). Savings and loans add an interest-rate step next.
Accounts overview

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The Accounts screen

The middle tab in the bottom bar. It rolls all your accounts into one picture.

  1. Accounts and Loans live on separate tabs.
  2. Total balance across everything, in your main currency.
  3. Assets, liabilities and net worth at a glance.
  4. Accounts group by type, each showing its live balance. Tap one for actions.
  5. Add another account any time with the + button.
Per-account actions

touch_app Tap an account

What you can do with an account

Tapping an account opens its quick actions.

  1. View transactions filtered to just this account.
  2. Reconcile to match the app's balance to your real statement in one tap.
  3. Import a statement as PDF, image or CSV; a preview shows what will be added.
  4. Mark dormant to keep an old account on file but out of your totals.
Loans tab

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The Loans tab

Loans get their own tab so they don't muddy your day-to-day balances.

  1. Net loan position nets what you owe against what you're owed.
  2. You owe / owed to you / net split out clearly.
  3. Payoff progress shows how far along you are and the payoff date.
  4. Monthly, paid and principal for the full picture of each loan.
2

Record & organize spending

Log what you spend, however you like, and keep it tidy with categories.

Add transaction form
Category picker

add_circle Create

Add a transaction by hand

Tap + on the Transactions tab. The same form handles money out, money in, and moves between your own accounts.

  1. Expense, Income or Transfer at the top.
  2. Amount, with a built-in calculator for quick maths.
  3. Category — tap to open the picker.
  4. Account it came from (you can pin a default).
  5. Date, notes and split across accounts if you need them.
  6. Pick a category from the grid, or search by name.
labelSwitch on Offline AI in Settings and Paisafy suggests a category as you type, learning from how you've sorted things before. It runs on your phone.
Smart entry text box
Smart entry parsed result

auto_awesome Create with AI

Or just type it in plain words

Tap the ✨ button and describe the spend the way you'd say it. Paisafy reads it and fills the transaction in for you.

  1. Type or paste anything — “lunch 18 at Subway”, or a whole bank SMS.
  2. Parse it.
  3. The amount is filled in from your text.
  4. The category is inferred (here, “taxi” became Ride-hailing).
  5. Check and save — or tap Edit text to tweak the wording.
offline_boltNo connection? Smart entry has an on-device fallback, so it keeps working offline.
Categories

visibility Organize

Categories & groups

Open Categories from the Plan tab's top bar. Paisafy starts you with a sensible set you can shape however you like.

  1. Expense and Income categories on separate tabs.
  2. Groups (like Food & Drink) gather related categories.
  3. Drag to reorder or delete with the icons on each row.
  4. Add a category to any group.
Category editor

edit Make it yours

Editing a category

Tap any category to open its editor.

  1. Change the icon from the emoji picker.
  2. Pick a colour.
  3. Move it to another group, or create a new one.
  4. Mark Essential or Discretionary — this powers the 50/30/20 view and your emergency runway.
Searching transactions

search Find & fix

Search, filter and bulk edit

From the Transactions tab you can quickly narrow the list down.

  1. Search by title, note or category.
  2. Filter by date range, category or account.
  3. Clear to return to the full list.
undoLong-press any row to select several and recategorize or delete them together. Made a mistake? An undo / redo control appears at the top after every change.
3

Plan your month

Set spending caps and track your recurring bills, then let Paisafy keep score.

Setting up budgets

add_circle Create

Set your budgets

On the Plan tab's Budgets section, tap Edit budgets to allocate a cap to each category.

  1. Choose the month you're budgeting for.
  2. Set a monthly total to budget against.
  3. Auto-distribute to split it across categories as a starting point.
  4. Fine-tune each cap — watch the “allocated” figure as you go.
  5. Save.
Budgets overview

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How the month is going

The Budgets screen turns your caps into a live read on the month.

  1. Budgets, Bills and Goals share this Plan tab.
  2. Spent vs budgeted for the whole month, with an over-budget warning.
  3. Switch the period between month, quarter and year.
  4. Daily pace shows what you're spending per day vs what's safe.
  5. Filter chips jump to budgets to Watch or that are Over.
A single budget in detail

visibility Drill in

One budget, in depth

Tap any budget to see exactly what's driving it.

  1. A clear over-cap badge when you've gone past the limit.
  2. Spent vs cap for this category.
  3. Every payment lists its share of the cap.
  4. Budget settings let unspent roll over, or carry overspend forward.
Declaring a bill

add_circle Create

Declare a recurring bill

On the Bills section, tap New bill. Paisafy then watches for the payment each month.

  1. Title — matches payments with this exact title.
  2. Category it belongs to.
  3. Due day — pick one, or let it follow your last payment.
  4. Create the bill.
Bills overview

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What's paid, what's due

Bills automatically mark themselves paid when a matching payment lands.

  1. Paid or not-paid-yet status on every bill.
  2. Category, typical amount and due day at a glance.
  3. What you actually paid, with history when you expand it.
  4. Add more bills any time (Pro lifts the 5-bill limit).
searchPaisafy also spots payments you make every month and lists them under Found in your history. Tap Add bill to track one, or Not a bill to hide it.
4

Reach your goals

Set targets that matter, then let Paisafy's insights tell you where you're headed.

Creating a goal

add_circle Create

Create a goal

On the Goals section, tap Add goal and pick the kind that fits.

  1. Savings — save toward a target amount by a date.
  2. Milestone — track linked balances toward a one-off target.
  3. Spend cut — spend less than you did in a past window.
  4. Surplus — automatically bank whatever's left in your budget.
  5. Set the target, linked account and date, then create.
Goals overview

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Tracking your goals

Goals group by type, each with a progress bar.

  1. Each goal shows its name and type.
  2. Progress toward the target.
  3. On-track guidance — what to save each month to hit it in time.
  4. Add as many goals as you like.
Smart Overview carousel

trending_up Look ahead

The Smart Overview

At the top of the Transactions tab, Paisafy ranks a carousel of cards that read your money and project where it's headed.

  1. Ranked insight cards — net worth, savings, bills, loans and more.
  2. Swipe through them; the very last tile opens the full grid.
  3. Below, your transactions — tap to edit, long-press to select.
All Insights grid

grid_view Go deeper

All insights

The full grid covers spending, savings, investments, bills and goals.

  1. Net-worth trajectory over the year ahead.
  2. Investment growth projections.
  3. Passive-income coverage of your spending.
  4. Goal pace — what each goal needs from you.
  5. Money lent out, tracked per person.
shieldInsights are built from summary numbers only — your raw transactions never leave the phone. Tap any card to ask the AI a follow-up question.

That's the core of Paisafy. Everything you add lives on your device, so explore freely — and if you get stuck, the FAQ covers privacy, backups, Pro and more.