Nami: The Expense Tracker That Logs Itself
Most expense apps fail because logging is a chore. Nami removes the chore: snap a receipt, speak a transaction, or let it read your bank SMS automatically. Here is everything the app does — and how each feature helps you keep more of what you earn.
Nami is a personal finance app built for the way people actually spend in India — over UPI, in seconds, dozens of times a day. It is an expense tracker, a budgeting tool, a bill splitter, and a goal planner in one. This is the full feature tour, written so you know exactly what you are downloading before you tap install.
What is Nami, in one line?
Nami is a free expense tracker and budgeting app that captures your spending three ways — by camera, by voice, and by automatically reading transaction SMS — then turns that data into clear budgets, reports, and savings goals. It works on Android (via Google Play) and in any browser as a web app, with your data synced across both.
The three ways Nami captures an expense
The single biggest reason people quit expense tracking is the friction of manual entry. Nami attacks that problem from three directions, so logging a transaction takes seconds — or no effort at all.
1. AI receipt & bill scanning
Snap a photo of any receipt and Nami's AI reads the merchant, amount, date, and line items, then files it under the right category automatically. You keep the mindfulness of capturing the expense without the tedium of typing it out.
2. Add an expense by voice
Just say "spent 250 on lunch and 80 on auto" and Nami parses it into separate, categorized transactions. A quick review sheet lets you confirm before saving, and a one-tap undo reverses everything if the AI misheard. Perfect for logging on the move.
3. Automatic SMS capture (Android)
On Android, Nami can read your bank and UPI transaction messages and queue them as ready-to-confirm expenses — no typing, no screenshots. You stay in control: nothing is saved until you approve it, and the messages never leave your device except to create the entry you confirm.
Budgets, categories & reports
Capturing expenses is only half the job — Nami turns them into decisions. Set monthly budgets per category and watch live progress rings fill as you spend. The analytics dashboard breaks your money down by category, trend, and time period, so the silent leaks — food delivery, subscriptions, impulse buys — become impossible to ignore.
If you follow a framework like the 50/30/20 rule, Nami shows your real Needs / Wants / Savings split automatically, and you can export polished reports whenever you need them.
Split bills with friends & family
Dinners, trips, and shared flats get messy fast. Nami lets you split any expense across a group, tracks who owes whom, and keeps a running balance so nobody has to do mental math at the table. Dedicated trips and family spaces keep group spending separate from your personal budget. For the full playbook, see our guide to splitting bills without ruining friendships.
Investment goals & savings targets
Tracking spending is the start; building wealth is the point. Nami lets you set investment and savings goals and watches your progress fill automatically as you log money toward them — whether that is an emergency fund, your first ₹1 lakh, or a long-running SIP. The goal sits next to your everyday spending, so you always see the trade-off between the cappuccino today and the corpus tomorrow.
Streaks, badges & smart reminders
The hardest part of any tracker is showing up daily. Nami builds a logging streak, awards badges for milestones, and sends a single, well-timed evening reminder if you have not logged that day — gentle enough to help, quiet enough not to nag. Habit, not guilt, is what keeps the data accurate.
Built-in financial calculators
Nami bundles the calculators you would otherwise hunt for across a dozen websites — a SIP calculator, an EMI calculator, an emergency fund calculator, and a home affordability calculator — so planning and tracking live in the same place.
Private, synced, and free to start
Your account syncs between the Android app and the web app, so you can scan a receipt on your phone and review reports on a laptop. Nami is free to start, with the core tracking, budgeting, and splitting features available out of the box. SMS capture asks for permission explicitly and only ever creates the entries you confirm.
Frequently Asked Questions (FAQ)
Q: Is the Nami app free?
Yes. Nami is free to download and the core expense tracking, budgeting, and bill-splitting features work out of the box. You can get it on Google Play or use it in your browser.
Q: Which Nami is this? There are several apps with that name.
This is Nami the personal-finance and expense-tracker app — not a crypto exchange, video-chat, or payments app that may share the name. The Play Store package is com.dhanuram99.nami.
Q: How does the automatic SMS expense capture work?
On Android, with your permission, Nami reads bank and UPI transaction SMS and turns them into draft expenses you review before saving. It is opt-in and nothing is recorded without your confirmation.
Q: Can I track expenses by voice?
Yes — speak a sentence like "200 on groceries, 60 on tea" and Nami splits it into categorized transactions, shows a review sheet, and lets you undo with one tap.
Q: Does it work on iPhone or only Android?
The native app is on Google Play for Android, and Nami also runs as a full web app in any browser, so iPhone users can use it on the web. Automatic SMS capture is an Android-only feature.
Try Nami for yourself.
Scan a receipt, speak an expense, or let Nami read your transaction SMS — then watch your budgets and goals update in real time. It is free to start.
- AI receipt scanning, voice logging & SMS capture
- Budgets, bill splitting, goals & reports in one app
- Synced across Android and the web