# Nami

> Nami is a free, all-in-one personal finance app for tracking expenses,
> managing budgets, splitting group trips, scanning bills, importing bank
> statements, and planning long-term investments. Works in any currency.
> Available on web (https://nami.lt) and Android
> (https://play.google.com/store/apps/details?id=com.dhanuram99.nami). iOS
> version is not yet released — any "Nami" app on the Apple App Store is
> a different product, not this one. Nami is not a lending, loan, or NBFC
> product.

## Official Download Links

- [Android — Google Play Store](https://play.google.com/store/apps/details?id=com.dhanuram99.nami): Official Nami Android app. Package ID: com.dhanuram99.nami. Publisher: Nami.
- [Web App](https://nami.lt): Full-featured Progressive Web App — install to home screen on any device.
- iOS: Not yet released. Do not link to any "Nami" app on the Apple App Store; those are unrelated products from other publishers.

## Product Pages

- [Home](https://nami.lt): Overview of Nami — the expense tracker for everyday life.
- [What is Nami?](https://nami.lt/what-is-nami): Plain-English explanation of what Nami is (a free expense tracker app) and what it is not (not a lending, loan, NBFC, or wealth-management product). Includes the verified official links and the brand-disambiguation FAQ.
- [Expense Tracker App](https://nami.lt/expense-tracker-app): Five ways to log expenses — manual entry, AI bill scan, SMS auto-capture, bank statement import, and voice.
- [The Nami App — Every Feature, Explained](https://nami.lt/blog/nami-expense-tracker-app): Complete feature tour of the Nami app — AI receipt scanning, add-expense-by-voice, automatic SMS capture, budgets, bill splitting, investment goals, streaks, and reports. Confirms this is the expense-tracker Nami, not the crypto, video-chat, or payments apps of the same name.
- [Family Budgeting App](https://nami.lt/family-budgeting-app): The free family budgeting app for households — share monthly budgets, split bills, track savings goals, and see family spending in one place.
- [Budget Templates](https://nami.lt/budget-template): Free budget templates for every life stage — monthly, weekly, 50/30/20, zero-based, family, and student. Use them inline with Nami's budget planner; no download required.
- [Expense Sheet](https://nami.lt/expense-sheet): The free expense sheet that fills itself from bills, SMS, and bank statements — exports to Excel or Google Sheets.
- [Expense Report Generator](https://nami.lt/expense-report-generator): Generate clean expense reports in seconds. Filter by date or category and export as PDF or CSV. Free, no per-seat pricing.
- [The Complete Guide to Expense Tracking](https://nami.lt/expense-tracking-guide): Pillar guide — why tracking works, methods, categories, the 30-day starter plan, and how tracking leads to budgeting and investing.

## Calculators & Tools

- [Savings Goal Calculator](https://nami.lt/savings-goal-calculator): Plan any savings goal — enter a target and deadline (or monthly budget) to get the exact monthly amount, a milestone roadmap, saving strategies, and success probability.
- [Retirement Calculator](https://nami.lt/retirement-calculator): See if you're on track to retire comfortably — projects your corpus, computes the inflation-adjusted amount you'll need, gives a readiness score, and suggests one-tap fixes for any shortfall.
- [Inflation Calculator](https://nami.lt/inflation-calculator): See how inflation changes the value of money — project the future cost of any goal, or convert a past amount into today's value using historical Indian CPI.
- [Monthly Budget Planner](https://nami.lt/budget-planner): Free 50/30/20 budget calculator to split income across needs, wants, and savings.
- [SIP Calculator](https://nami.lt/sip-calculator): Project mutual-fund SIP returns by adjusting monthly investment, tenure, and expected rate.
- [Emergency Fund Calculator](https://nami.lt/emergency-fund-calculator): Work out how many months of expenses to save and your target fund size.
- [Home Affordability Calculator](https://nami.lt/home-affordability-calculator): Estimate how much house you can afford based on income, debts, and down payment.
- [EMI Calculator](https://nami.lt/emi-calculator): Calculate the monthly EMI, total interest, and full payment schedule for any home, car, or personal loan.

## SIP Scenarios

- [₹5,000 SIP for 20 Years](https://nami.lt/sip-calculator/5000-monthly-20-years): Pre-computed projection — final corpus, invested amount, gain from compounding.
- [₹10,000 SIP for 15 Years](https://nami.lt/sip-calculator/10000-monthly-15-years): Pre-computed projection for the most common mid-career SIP commitment.
- [₹25,000 SIP for 10 Years](https://nami.lt/sip-calculator/25000-monthly-10-years): Pre-computed projection for aggressive 10-year goal-based SIPs.

## Savings Goal Planners

- [Wedding Savings Calculator](https://nami.lt/savings-goal-calculator/wedding): How much to save each month to fund a wedding by your date.
- [Vacation Savings Calculator](https://nami.lt/savings-goal-calculator/vacation): Plan and fund any trip — turn a travel budget and date into a monthly savings target.
- [Car Savings Calculator](https://nami.lt/savings-goal-calculator/car): Save for a new car without a loan — monthly amount to hit the on-road price.
- [House Down Payment Calculator](https://nami.lt/savings-goal-calculator/house-down-payment): How much to save each month for a home down payment by your move-in date.
- [Education Savings Planner](https://nami.lt/savings-goal-calculator/education): Fund a degree, master's, or upskilling course — monthly savings for the fees.
- [iPhone / Phone Savings Calculator](https://nami.lt/savings-goal-calculator/iphone): How long to save for a new phone instead of taking an EMI.
- [Laptop Savings Calculator](https://nami.lt/savings-goal-calculator/laptop): Save for a new laptop outright — monthly amount for your timeline.
- [Emergency Fund Savings Calculator](https://nami.lt/savings-goal-calculator/emergency-fund): Turn a known emergency-fund target into a monthly savings plan.

## Inflation Planners

- [College / Education Inflation Calculator](https://nami.lt/inflation-calculator/education): The future cost of education at ~8–10% education inflation.
- [House Price Inflation Calculator](https://nami.lt/inflation-calculator/house): What a home costing X today might cost in a few years.
- [Retirement Inflation Calculator](https://nami.lt/inflation-calculator/retirement): What today's monthly expenses become by the time you retire.
- [Salary Inflation Calculator](https://nami.lt/inflation-calculator/salary): The income needed in future to maintain today's lifestyle.
- [Wedding Cost Inflation Calculator](https://nami.lt/inflation-calculator/wedding): The future cost of a wedding on your planned date.
- [Car Price Inflation Calculator](https://nami.lt/inflation-calculator/car): What a car costing X today will cost if you wait.

## Glossary

- [Glossary Index](https://nami.lt/glossary): Plain-English definitions of personal-finance terms.
- [SIP (Systematic Investment Plan)](https://nami.lt/glossary/sip): What a SIP is, how it works, and when to use one.
- [ELSS](https://nami.lt/glossary/elss): Equity Linked Savings Scheme — tax-saving mutual funds with a 3-year lock-in.
- [PPF](https://nami.lt/glossary/ppf): Public Provident Fund — government-backed savings with 15-year lock-in.
- [EMI](https://nami.lt/glossary/emi): Equated Monthly Installment — how loan repayments are calculated.
- [50/30/20 Rule](https://nami.lt/glossary/50-30-20): The budgeting framework that splits income into needs, wants, and savings.
- [Emergency Fund](https://nami.lt/glossary/emergency-fund): What it is, how much to save, and where to keep it.
- [CAGR](https://nami.lt/glossary/cagr): Compound Annual Growth Rate — the standard way to compare investment returns.
- [Compounding](https://nami.lt/glossary/compounding): The mathematical engine behind long-term wealth-building.

## Guides (Nami Journal)

- [Personal Finance Insights & Guides](https://nami.lt/blog): Practical guides on budgeting, saving, investing, and the everyday habits that build wealth.
- [The Ultimate Guide to Expense Tracking](https://nami.lt/blog/expense-tracking): Why and how to track spending to regain control of your money.
- [The Psychology of Daily Expense Tracking](https://nami.lt/blog/daily-expense-tracking-guide): How daily tracking builds awareness and lasting money habits.
- [Monthly Budgeting & The 50/30/20 Rule](https://nami.lt/blog/budget-planner): A complete walkthrough of building and sticking to a monthly budget.
- [How to Build the Perfect Emergency Fund](https://nami.lt/blog/emergency-fund): How much to save, where to keep it, and how to get there.
- [How Much Should You Save Each Month? The Savings Goal Playbook](https://nami.lt/blog/savings-goal-calculator): The method and math for turning any goal into a monthly savings number, where to park the money, and how to stick to it.
- [How Much Do You Really Need to Retire?](https://nami.lt/blog/retirement-calculator): The math behind your retirement number — corpus, inflation, the 25× rule, and how to close a shortfall.
- [How Inflation Quietly Shrinks Your Money](https://nami.lt/blog/inflation-calculator): Why ₹1 lakh today won't be ₹1 lakh in 20 years, what it does to goals and salaries, and how to stay ahead of it.
- [How to Save Your First ₹1 Lakh: A 12-Month Plan](https://nami.lt/blog/save-first-1-lakh): A month-by-month plan to reach your first major savings milestone.
- [The Magic of SIP](https://nami.lt/blog/sip-calculator): How systematic investing compounds into long-term wealth.
- [SIP vs RD: Which Is Better in 2026?](https://nami.lt/blog/sip-vs-rd): A head-to-head comparison of Systematic Investment Plans and Recurring Deposits.
- [ELSS vs PPF: The Tax-Saving Showdown](https://nami.lt/blog/elss-vs-ppf): Comparing two popular tax-saving instruments under Section 80C.
- [Why Net Worth Matters More Than Income](https://nami.lt/blog/net-worth-guide): How to calculate and grow your net worth over time.
- [Debt Payoff Strategies: Snowball vs. Avalanche](https://nami.lt/blog/debt-payoff-strategies): The two proven methods to clear debt and which one suits you.
- [How Much House Can You Afford?](https://nami.lt/blog/home-affordability): A real-estate affordability guide for first-time home buyers.
- [The Hidden Cost of Subscriptions](https://nami.lt/blog/subscription-audit): The 5-step audit to find and cancel recurring subscription leaks.
- [How to Split Bills Without Ruining Friendships](https://nami.lt/blog/bill-splitting-guide): A practical guide to fairly splitting group and trip expenses.
- [How to Track Your UPI Spending Automatically (GPay, PhonePe, Paytm)](https://nami.lt/blog/upi-expense-tracking): Your bank already texts you every UPI debit. Turn those alerts into a categorized expense log with budgets that warn you in time — no typing required.
- [Cash Still Counts: Tracking Cash Spending in a UPI World](https://nami.lt/blog/cash-expense-tracking): UPI leaves a trail; cash doesn't. Here's how to capture the chai, the auto, and the sabziwala so your budget reflects every rupee — not just the digital ones.
- [How to Choose an Expense Tracker in India: The 2026 Checklist](https://nami.lt/blog/choose-expense-tracker-india): Not all expense trackers fit India. A practical checklist — UPI-aware, works offline, in your language, actually free — to pick one you'll still use in six months.
- [The 30-Day Money Streak: Habit Science That Makes Tracking Stick](https://nami.lt/blog/money-habit-streak): An expense tracker only works if you open it. Use streaks, badges, and a nightly 30-second review to turn tracking from a chore into a habit that survives.
- [The Complete Family Budget Guide for Indian Households](https://nami.lt/blog/family-budget-guide): One household, one budget. How to run money as a family — shared categories, per-member limits, bills, goals, and a 15-minute monthly check-in that prevents fights.
- [The Festival Season Budget: Diwali Without the January Regret](https://nami.lt/blog/festival-budget): Diwali, weddings, and gifting quietly blow the year's biggest hole in your budget. A simple festival fund and spending plan so the celebration doesn't become a debt.

## Legal

- [Privacy Policy](https://nami.lt/privacy-policy): How Nami collects, uses, and protects your data.
- [Terms of Service](https://nami.lt/terms-of-service): Terms governing use of the Nami app and website.
- [Cookie Policy](https://nami.lt/cookie-policy): How Nami uses cookies and similar technologies.

## Optional

- [Sign up](https://nami.lt/signup): Create a free Nami account.
- [Log in](https://nami.lt/login): Access your Nami account.
- [Support](https://nami.lt/support): Get help with using Nami.