The Expense Tracker
for everyday life.
Track every expense five different ways — manual entry, AI bill scan, SMS auto-capture, statement import, and voice. Any currency, one app — in 10 languages.
Core Engine Capabilities.
Built for the rigorous demands of modern finance, our platform leverages advanced algorithms to automate the mundane and highlight the critical.
SMS Auto-Capture
Bank, UPI, and credit-card SMS messages turn into draft expenses automatically on Android. Review and approve.
Scan Bill & Split
Point your camera at any bill — AI reads line items so you can assign and split instantly.
Voice → Expense
Talk an expense — AI parses the amount, merchant, and category in under a second. Tap to confirm.
Bank Statement Import
Upload CSV or PDF bank statements and let AI categorize every transaction instantly.
Recurring Templates
Save rent, EMIs, and subscriptions as templates. One tap to log a repeat — never re-type a regular bill.
Budget Management
Category-level budgets with smart alerts at 50%, 90%, and overflow thresholds.
Family Finance
Shared family budgets, goals, and bills with role-based access for every member.
Trip Expense Split
Split group expenses equally, by percentage, or exact amount across participants.
10 Languages
Use Nami fully translated in English, Hindi, Tamil, Marathi, Telugu, Gujarati, Kannada, Odia, Malayalam, or Bengali.
Streaks & Badges
Log daily to build a streak, unlock badges, and watch savings goals fill themselves from real spending.
Home-screen Widgets
Check your balance and add an expense — typed or spoken — straight from the Android home screen.
Offline Mode
No signal? Keep logging. Expenses queue on your phone and sync automatically once you're back online.
Budget that actually warns you in time.
Set category-level budgets and get smart alerts at 50%, 90%, and 100% thresholds. Spot overspending patterns before they become habits.
- Category-specific budget limits
- Smart alerts at 50%, 90%, and 100% thresholds
- Monthly and annual budget history
- Budget adherence score tracking
Monthly Budgets
₹16.3k/ ₹26k
₹9.7k remaining
Entertainment is at 96% — you're close to your monthly limit.
Manage the whole family's money in one place.
Create a family group, assign roles, set spending limits per member, and track shared goals and bills together. A family financial health score shows where you're thriving and where to improve.
- Admin, Member, and Child role types
- Per-member spending limits
- Shared family budgets and goals
- Shared bill tracking with payment status
- Family health score across 4 metrics
Sharma Family
3 members
Split trip expenses without the awkwardness.
Create a trip, add participants, log expenses, and choose how to split — equally, by percentage, or exact amounts. Everyone sees what they owe in real-time. No more WhatsApp calculations.
- Equal, percentage, and exact amount splits
- Participant roles: owner, manager, viewer
- Category breakdown per expense
- Real-time settlement tracking
Goa Trip 2026
4 participants · ₹10,800 total
Scan the bill, split it instantly.
Point your camera at any restaurant or store bill. AI reads every line item, you assign who owes what, and the trip expense is logged automatically — no typing, no arguments.
- AI reads printed & handwritten bills
- Assign individual items to each person
- Shared items split equally or by custom ratio
- One tap to add to trip expense
Bill Scanner
Spice Garden · Table 7
Total
₹1,089
Import your bank statements in seconds.
Upload your CSV or PDF bank statement and our AI engine categorizes every transaction automatically. Review, adjust, and confirm — your entire financial history in minutes, not hours.
- CSV and PDF bank statement support
- AI-powered automatic categorization
- Review and edit before confirming
- Bulk import with job status tracking
- Handles multiple banks and formats
Drop your bank statement here
CSV or PDF · HDFC, SBI, ICICI, Axis and more
HDFC_March2026.pdf
156 transactions · AI categorized
Swiggy Food Order
Food & Dining
HDFC Salary Credit
Income
Netflix Subscription
Entertainment
PhonePe Transfer
Transfer
Habits that make tracking stick.
An expense tracker only works if you open it. Streaks, badges, and category-linked savings goals keep you coming back — plus one smart reminder at 8 PM that only fires if you haven't logged yet.
- Daily logging streaks with personal-best records
- Badges for real milestones — first log, week streaks, budgets kept
- Savings goals linked to categories — progress fills in on its own
- One smart daily reminder, skipped when you've already logged
12day streak
Longest: 21 days
Badges
Nothing logged today — 30 seconds keeps your 12-day streak alive.
Lifetime Insights
Analyse your lifetime expense, income and learn from the past.
Every rupee you've tracked, in one view. Export any period as a PDF or CSV report, or compare two months side by side to see what changed.
10 Languages
Money talk, in your language.
The whole app and website are fully translated — English plus nine Indian languages. Switch anytime from your profile, and every screen, budget, and reminder follows instantly.
Same account, same data — just a different language.
Free financial planning tools.
Plan, project, and protect your finances. No sign-up required — more tools coming soon.
Savings Goal
Plan any goal — see how much to save each month to hit your target.
Retirement
See your projected corpus and whether you're on track to retire comfortably.
Inflation
See what your money will be worth in the future — or what past money is worth today.
Budget Planner
Plan your monthly budget with the 50/30/20 rule and get a health score.
Home Affordability
See how much house you can afford based on income, EMIs, and lifestyle.
EMI Calculator
Work out the monthly EMI, total interest, and payment for any loan.
Emergency Fund
Find your safety-net target based on expenses and risk profile.
SIP Calculator
Project how monthly SIP investments compound into wealth over time.
Security & Trust
Your financial data is protected at every layer.
Security built in from day one. Biometric authentication, PIN protection, encrypted storage, and granular privacy controls keep your data where it belongs — with you.
Biometric Auth
Use Face ID or fingerprint to access your account on trusted devices.
PIN Protection
Set a custom PIN as an additional layer of security for your account.
Privacy Controls
Control what family members can see with per-member privacy settings.
Works Offline
Log expenses with no connection — they're stored on-device and sync the moment you're back online.
What is Nami? — common questions
Take control of your finances — starting now.
Track every rupee with surgical precision. Built for individuals, families, and creators who demand clarity over chaos.