Built on RBI-approved Account Aggregator framework
🔒 Your data is never sold 🚫 No loan spam ✋ Works without bank sync 👁️ Read-only access only

Finally see the full picture.
Know what your money needs — before you spend it.

Salary comes in. Then EMIs, rent, subscriptions, and daily spending quietly eat into it. By mid-month, you're guessing. By end-month, you're stressed.

PiXiu maps your entire month ahead — upcoming obligations, projected balance, risk dates, and the real impact of every spending decision. So you stop reacting and start deciding.
You are a customer, not a product. We don't sell your data. We don't send loan offers. Ever.
Take Control of Your Month → See how it works ↓

🔥 Only 500 beta seats.
318 already claimed.

Live Forecast Your month at a glance. Every decision, mapped.
Sample Data
Projected balance after obligations
₹8,000
Safe to spend today: ₹843/day
⚠️ Tight Month 📅 You’ll likely run short for the last 7 days
Salary ₹50,000
Rent ₹25,000
Bills & EMI ₹5,000
Food ₹12,000
Remaining ₹8,000
Upcoming
Home Loan EMI 4d
Jio Bill 9d
Car Loan Cleared
⚠️ Balance hits zero: April 18 7 days before salary
💡 Skip 2 Swiggy orders → avoid runout
⚡ ₹25,000 incoming → prepay Car Loan
📈 extra ₹6,200/month free after optimization
You can safely take on ₹15,000 in credit — it can be cleared in 3 months while keeping your monthly cash flow stable.
Read-only · Secure · No ads · No data selling

Join 300+ Indians who now see their full month before it happens — engineers, teachers, marketing managers, and freelancers.  ·  No credit card. No commitment. Just financial clarity.

What PiXiu Does

See consequences before they become problems.

PiXiu gives you forward visibility into your finances — so every decision you make is an informed one.

Cashflow Forecast, Day by Day

PiXiu maps your projected balance for every remaining day of the month — factoring in obligations, income, and spending patterns. You see exactly where pressure builds before it hits.

"What Happens If I Spend This?"

Before you order dinner or buy that jacket, simulate the impact. PiXiu shows you how one purchase shifts your entire month — so you decide with clarity, not guilt.

Risk Alerts Before They Happen

PiXiu tells you the exact date your balance is projected to run out — days or weeks in advance. Early warnings give you time to adjust, not panic.

Daily Safe-to-Spend Guidance

One clear number each morning — how much you can comfortably spend today without putting rent, EMIs, or upcoming bills at risk. A guide, not a restriction.

Obligation Awareness

Every recurring commitment — home loan, car loan, credit card minimum, subscriptions — visible in one place, sorted by urgency. Know what's coming and when, always.

Privacy Native — Zero Ads

You are not the product here. We do not sell your data to loan companies. No insurance spam calls. No "pre-approved offer" SMS. Your financial data stays yours.



Getting Started

Be up and running in under 5 minutes. You are in control at every step.

1

Sign Up — No Bank Details Needed

Create your account with just your email or phone number. Nothing financial required at this stage.

2

Tell PiXiu About Your Monthly Fixed Costs

Enter your salary, rent, and the EMIs you pay every month. This takes about 2 minutes and never changes unless you tell us.

3

Enable Auto-Sync 100% OPTIONAL

Optionally connect your bank via the RBI-approved Account Aggregator framework for automatic transaction sync. Read-only. You can disconnect anytime. If you prefer, skip this — manual entry works perfectly.

4

See your entire month, mapped out

PiXiu builds your forward-looking financial picture — projected balances, risk dates, spending guidance, and obligation timelines. Your month, visible and in control.

 PiXiu works with or without bank sync. The app is fully functional with manual entry. Bank sync is a convenience feature, not a requirement.

Privacy First by Design

Built differently. You never have to surrender control.

Most finance apps ask for your banking credentials on Day 1. PiXiu doesn't. We built it so you never need to share anything you're not comfortable with.

Manual-First

PiXiu is designed to work fully with manual entry. Just type your salary, rent, and EMIs. That's it. No bank connection needed.

No Banking Passwords

We never ask for your net-banking password, UPI PIN, or OTP. If you opt into bank sync, it goes through RBI's regulated framework — not us.

Disconnect Anytime

If you connect your bank and change your mind, disconnect in one tap. No questions asked. No data retained after disconnection.

Your Data Stays Yours

We don't sell your data. We don't share it with lenders, insurers, or advertisers. Your financial information is used only to help you — nothing else.

✋ Manual-first 🔒 No banking passwords 🔄 Disconnect anytime 🛡️ Your data stays yours
"We built PiXiu because we were tired of finance apps turning users into leads for loans, insurance, and credit cards. You deserve a tool that works for you — not one that works on you."
Security & Trust

"Can PiXiu move money from my account?"

We get it. Giving an app access to your bank details feels risky. Here is the honest, full picture — no fine print. PiXiu cannot move your money. It is read-only. Always.

Strictly Read-Only. Not a single paisa can move.

If you choose to enable bank sync, PiXiu receives a read-only data feed. We can see transaction history. We cannot initiate transfers, pay bills, or modify anything in your account. It is technically impossible.

RBI-Approved Account Aggregator Framework

We do not scrape your SMS or store your net-banking password. Data flows via the official AA framework regulated by the Reserve Bank of India — the same infrastructure used by major Indian banks and lenders.

Think About It This Way — The UPI Comparison

Your PhonePe or Google Pay app has write access to your bank — it can initiate payments, transfers, and UPI requests. PiXiu has zero write access. Even a standard UPI app has more power over your account than PiXiu ever will.

PhonePe / GPay / Paytm Can initiate transactions ✗
Your Net Banking App Can transfer funds ✗
PiXiu Can only read, never move ✓
Bank Sync is 100% Optional — You Stay in Control

Prefer total privacy? Simply skip bank sync and use manual entry instead. PiXiu is fully functional either way. If you do connect and change your mind, disconnect in one tap — anytime, no questions asked.

"We built PiXiu because we were tired of finance apps turning users into leads for loans, insurance, and credit cards. You deserve clarity about your money — without becoming someone else's revenue."

FAQ

Questions we answer before you have to ask.

The Beta is completely free for early access members. We will always offer a generous free tier. When we eventually launch paid plans, early beta users will receive a permanent discount — that is our promise to the people who believed in us first.

Absolutely not. Bank sync is 100% optional. You can manually enter your salary, expenses, and EMIs and PiXiu will work perfectly. Many users prefer this for complete privacy — and the app is designed to be just as useful either way.

No — and it is technically impossible. If you opt into bank sync, PiXiu connects via the RBI-regulated Account Aggregator framework which is strictly read-only. We receive a data feed of your transactions; we have zero capability to initiate, approve, or influence any transaction whatsoever. Even your UPI app has more power over your bank than PiXiu does.

It is a secure, regulated data-sharing infrastructure created by the Reserve Bank of India (RBI). Think of it as a secure pipe between your bank and an app — your bank only releases data with your explicit, revocable consent. We do not store your net-banking credentials, and we do not scrape your SMS. Major Indian banks like SBI, HDFC, Axis, and ICICI are already participants in this system.

No — and deliberately so. PiXiu is focused on helping you understand and navigate your day-to-day cashflow. We are not a SEBI-registered advisor, we do not recommend stocks, mutual funds, or insurance products, and we will never try to upsell you a financial product. PiXiu is for people who want to make better everyday financial decisions — not for portfolio management or wealth planning.

Most expense trackers look backward — they show you where your money already went. PiXiu looks forward. It forecasts your cashflow day-by-day, warns you about upcoming pressure points, and lets you simulate how spending decisions affect your month before you commit. CRED uses your credit card data to sell you loans and insurance. PiXiu has no such business model — we make money from subscriptions, not from your data.

Never. We have a strict zero data-selling policy. Your name, phone number, email, and financial data will never be shared with any third party for marketing purposes. We built PiXiu because we were tired of being the product. We will not do to our users what was done to us.

The Account Aggregator framework is already live with major Indian banks including SBI, HDFC, Axis, ICICI, Kotak, IndusInd, Federal Bank, and Yes Bank, with more being added regularly. If your bank is not yet on the list, you can still use PiXiu fully with manual entry — and we'll notify you the moment your bank is supported.

Simple logic, no black box. PiXiu takes your current bank balance (or the balance you enter manually), subtracts all upcoming fixed payments — rent, EMIs, bill dues — that fall before your next salary date, factors in your recent spending history, and projects your balance forward day by day. From this, it derives your daily safe spending amount, flags risk dates, and lets you simulate the impact of any purchase. It updates every day so the picture is always fresh and accurate. No mysterious algorithms — just straightforward math you can verify yourself.

Yes. PiXiu supports irregular income — you can set an expected income for the month or update it whenever a payment comes in. The app recalculates your cashflow forecast and spending guidance on the spot. For freelancers, having early visibility into pressure dates and financial risk is arguably more important than for salaried users — PiXiu is built for exactly this kind of uncertainty.

Yes — multiple accounts are supported. You can connect or manually manage your salary account, savings account, and any secondary accounts separately. PiXiu gives you a consolidated view of your total available balance and tracks which account each expense is coming from. No more switching between apps to figure out where you stand.

We receive your transaction history and current balance — the same data you can see on your bank statement. That's it. We cannot see your nominee details, loans taken elsewhere, fixed deposits, or anything beyond basic account transactions. We do not store your net-banking password or OTPs. All data access requires your explicit consent through the Account Aggregator portal, and you can revoke it at any time directly from your bank.

We're currently in closed beta and rolling out access in batches — starting with the earliest sign-ups first. Once you join the waitlist, you'll receive a confirmation email. When your batch is ready, we'll send you an invite with direct access to the app. No vague timelines — we'd rather give you access working software than rush something half-baked. Early access members also lock in a permanent discount on any future paid plan, regardless of when they actually start using it.
🔥 Only 182 beta seats remaining out of 500

Take back control. See your month before it happens.

The people who sign up today will be the first to see their full financial picture — cashflow forecasts, risk alerts, and spending clarity — the moment PiXiu launches. Early beta users also lock in a permanent discount on any future paid plan.

  • ✅  Free to join — no credit card, ever
  • ✅  Built for Indians managing EMIs & rent
  • ✅  Zero data selling — you are a customer, not a product
  • ✅  Bank sync optional — works with manual entry too
  • ✅  No loan offers, no insurance calls — ever
  • ✅  Unsubscribe from emails anytime, no questions asked
We never spam. We never sell your data. We never send you loan offers.

No spam. No loan offers. No data selling. Unsubscribe anytime.