Built on RBI-approved Account Aggregator framework

No more guessing!
Stay in control of your money without the mental math.

Built for people who just want to get through the month without money stress.

Your salary comes in — then EMIs, rent, and daily spending quietly eat into it.
PiXiu shows you what’s actually left, what’s coming next, and how much you can safely spend.
See Your Safe-to-Spend → See how it works ↓

🔥 Only 500 beta seats.
318 already claimed.

Live Forecast Know more. Decide better. Stay in control.
Sample Data
Safe to spend today
₹843
After fixed expenses
⚠️ 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've stopped the mid-month panic — engineers, teachers, marketing managers, and freelancers.  ·  No credit card. No commitment. Just clarity.

What PiXiu Does

Your personal finance advisor — without the ₹5,000/hour bill or the complexity.

Stop tracking where money went. Start planning where money needs to go.

Your "Safe-to-Spend" Limit, Daily

Every morning, know the one number that matters: how much you can spend today without risking your rent or EMI going unpaid. No more mentally guessing.

Exhaustion Date Forecast

PiXiu projects your balance day-by-day and tells you precisely when it hits zero — giving you time to act, not react. The "Oh god, the account is empty" moment, eliminated.

"What If" Simulations

Thinking of ordering in tonight? Run a simulation in 3 seconds to see how ₹800 on Swiggy moves your exhaustion date by 2 days. Make informed choices, not guilty ones.

EMI & Bill Dashboard

All your recurring liabilities — home loan, car loan, credit card minimum, Netflix — in one clean view, sorted by due date. Never miss a due date again.

Ghost Subscription Detector

That gym app you signed up for in January and forgot? PiXiu finds recurring "ghost" spend quietly bleeding your account and surfaces it — cancellation is your call.

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

Know exactly how your month looks financially

PiXiu generates your daily Safe-to-Spend limit, exhaustion date forecast, and EMI calendar. Your month, planned out — automatically.

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

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.

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

Prefer total privacy? Simply skip bank sync and use manual entry instead. PiXiu is fully functional either way.

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 purely for managing your day-to-day cash flow. 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. This is the app for people who just want to get through the month — not for investors or finance experts.

Most expense trackers look backward — they show you where your money already went. PiXiu looks forward. It calculates your rolling Safe-to-Spend limit for today, forecasts when your balance will hit zero, and simulates the impact of spending decisions before you make them. 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, and AI analyzes your spending pattern using the data available and divides what's left by the number of days remaining. That's your Safe-to-Spend for today. It updates every day so the number is always fresh and accurate.

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 Safe-to-Spend and exhaustion forecast on the spot. For freelancers, knowing your "danger zone" days before money runs out 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

Stop guessing. Start the month with a plan.

The people who sign up today will be the first to know their exact Safe-to-Spend limit 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 spam. No loan offers. Unsubscribe anytime.