Write it down.Understand
your money.
Keep the habit of writing down your money. Piepaye does all the arithmetic around it.Piepaye keeps the discipline of recording your money and removes the busywork around it. You write each transaction; it keeps every balance, budget and total in step.
- Available money
- ₹55,999
- Income
- +₹72,000
- Expenses
- −₹34,554
- Net flow
- +₹37,446
- TodayUberCredit card · Travel / Transport−₹265
- GroceriesSavings account · Food / Groceries−₹2,460
- YesterdayGymSavings account · Health / Fitness−₹1,500
Writing it down works.Keeping it up is the hard part.
People who write down every rupee know where their money goes. Most stop, not because it stops working, but because of the arithmetic around it.
On paper, you notice everything.
You also add it all up, carry totals between pages, and find the mistake when they don’t match.
In a feed, you notice nothing.
Imported lines fill themselves in. The moment where you’d have seen the number, and thought about it, is gone.
Piepaye keeps the noticing and takes away the arithmetic.
You record.
- TodayGroceriesSavings account · Food / Groceries−₹2,460
Piepaye computes.
Savings account−₹2,460
₹54,609₹54,609
Available money−₹2,460
₹58,279₹58,279
Food, October+₹2,460
₹180₹180
October spending+₹2,460
₹32,274₹32,274
You understand.
- Available money
- ₹55,819
- Food, October
- ₹2,640
- October spending
- ₹34,734
One entry, written once. Every number it touches is already right.
The ledger is the product.
Home is your month as a ledger, one row for every rupee that moved. On a phone it’s a list you can add to in seconds.It works like a spreadsheet you can’t break: inline editing, keyboard first, every total kept for you.
Record it in seconds
Tap +, type the amount, pick the account and category. Piepaye remembers how you filed it last time.
Amount
Find anything
Search descriptions, notes, categories, accounts and amounts, then filter and sort.
- 3 transactionsFlightCredit card · Travel / Flights−₹6,840
- FuelCredit card · Travel / Fuel−₹1,200
- UberCredit card · Travel / Transport−₹265
Every detail, one tap away
Open any entry to change it. Duplicate a repeat purchase; deleting always says what it will change first.
One entry. Every number it touches.
Choose a transaction to see what it changes. Spending, transfers, investing and income each move different numbers, and Piepaye keeps every one of them right.
An expense from the savings account. The balance and available money go down; Food and October spending go up.
- Available money
- ₹55,819−₹2,460 from ₹58,279
- Savings account
- ₹52,149−₹2,460 from ₹54,609
- October spending
- −₹34,734+₹2,460 from ₹32,274
- Food
- ₹2,640+₹2,460 from ₹180
Everything else stays as it was.
One financial life.Many movements.
Bank accounts, cash and credit cards, each with its own balance. Spending leaves your money. A transfer only moves it, and Piepaye never counts it as spending.
Opening balance
₹21,450
Carried over from September
Salary
+₹72,000
Income
Savings account
₹93,450 to work with in October
Rent−₹18,000
Spending
Bills and everyday−₹6,801
Spending. Internet, electricity, gym, groceries
Credit card₹8,500
Transfer, not spending. Owed ₹18,953 → ₹10,453
Index fund₹5,000
Transfer, not spending. Counted as invested
Wallet₹3,000
Transfer, not spending. Wallet now ₹3,670
Still in the account₹52,149
Balance
Opening balance
₹21,450
Salary
+₹72,000
Savings account
₹93,450
to work with in October
Rent−₹18,000
Spending
Bills and everyday−₹6,801
Spending. Internet, electricity, gym, groceries
Credit card₹8,500
Transfer, not spending. Owed ₹18,953 → ₹10,453
Index fund₹5,000
Transfer, not spending. Counted as invested
Wallet₹3,000
Transfer, not spending. Wallet now ₹3,670
Still in the account
₹52,149
Savings account
₹52,149
Wallet
₹3,670
Available money
₹55,819
The ₹10,453 still owed on the card isn’t spendable money, so it isn’t in this number. Net worth counts it as a liability.
Spending has a pattern.
Set one monthly limit per category. Piepaye counts only real spending against it, never transfers, and changes colour at 85% so you see it before it becomes a surprise.
September
Each segment is one week. The tick marks 85%.
- Biggest in September:Groceries ₹2,310Dinner out ₹1,240Coffee ₹960₹1,760 left
- Biggest in September:Metro ₹1,120Uber ₹930Auto ₹790₹1,160 left
- Biggest in September:Shoes ₹2,450Books ₹670₹1,880 left
- Biggest in September:Concert ₹731Netflix ₹649Movie ₹400₹220 left
From daily moneyto long-term wealth.
- Current value
- ₹4,70,150
- Invested
- ₹4,27,000
- Gain
- +₹43,150 +10.1%
Stocks, mutual funds, ETFs, gold, fixed deposits, PPF and more. Record what you put in, update what it’s worth whenever you check. Piepaye tracks your wealth; it doesn’t trade, connect to a broker or show live prices.
Where it sits, by current value
- Mutual FundIndex fund+₹24,600+13.3%
- PPFPublic Provident Fund+₹14,600+14.6%
- StocksLarge-cap stocks−₹3,100−5.0%
- Fixed DepositFixed deposit+₹2,850+5.7%
- GoldSovereign gold+₹4,200+14.0%
Invested Current value
Automate the repetition.Not the decision.
Rent, bills, subscriptions and SIPs are set up once. When one is due it waits for you: confirm it, change the amount for this time, or skip it. Only rules you mark “Add automatically” post on their own.
This month
Today is 10 November
- 1 NovRentConfirmed−₹18,000
- 3 NovPhone billConfirmed−₹799
- 5 NovInternetConfirmed−₹999
- 10 NovMutual fund SIPDue today₹5,000
- 12 NovNetflixAdds itself−₹649
November 2026
Today is the 10th
On Home, today. Try it.
Try it: change the amount for this month, then confirm or skip. Netflix on the 12th is set to add automatically, so it posts the next time you open Home.
There is something powerful about writing down where your money goes.
You see it.You remember it.You become aware of it.
The goal was never to automate the habit.It was to protect it.
Your financial life should feel like yours.
Piepaye doesn’t do the writing for you. It helps you understand what you write.
- Private to your account.
- Each entry belongs to the account that wrote it, and the database returns it only to that account.
- Not connected to your bank.
- Piepaye knows only what you choose to write down.
- Yours to take with you.
- Export any view of your ledger to an Excel workbook.
See it.
- OctoberSalarySavings account · Salary+₹72,000
- GroceriesSavings account · Food / Groceries−₹2,460
- TransportWallet · Travel / Transport−₹840
- InternetSavings account · Bills / Internet−₹999
- InvestmentSavings accountIndex fund₹5,000
Understand it.
- Income
- +₹72,000
- Expenses
- −₹4,299
- Net flow
- ₹67,701
Where October’s salary went
- Spent₹4,299
- Invested₹5,000
- Still in your accounts₹62,701
The ₹5,000 you invested is a transfer: it’s still your money, so it isn’t counted as spending.
A calmer way to understand your money.