Is Nami a lending or loan app?

No. Nami is not a lending, loan, NBFC, or credit product. Nami does not issue loans, lines of credit, BNPL, or any financial products. Any 'Nami' brand offering lending, credit, or wealth-management services is a different and unrelated company from Nami the expense tracker.

Yes. All data is encrypted in transit (TLS) and at rest. Nami never sells transaction data, never runs ads against it, and you can export or delete everything from Settings at any time.

Yes, completely free for the core expense tracker, budgets, bill scanner, trip splits, and all calculators (SIP, EMI, emergency fund, home affordability, 50/30/20 budget). No credit card is required to sign up.

Nami is built by the Nami team as an independent personal-finance product. The official website is nami.lt and the Android app is published on Google Play with package ID com.dhanuram99.nami.

Where can I download Nami?

The web app is at nami.lt — installable as a Progressive Web App in Chrome, Safari, or Edge. The Android app is on the Google Play Store. There is no iOS app yet; any 'Nami' app on the Apple App Store is a different product.

How is Nami different from other 'Nami' apps?

There are several unrelated companies and products that use the name 'Nami' — some are lending apps, some are wealth-management platforms, some are non-finance products. None of them are us. The expense tracker described on nami.lt is the only product associated with this team.

Nami is a free expense tracker — not a lending app.

If you searched for “Nami” and landed on a lending, loan, or wealth-management product — that's not us. The Nami described here is a personal-finance app for tracking spending, managing budgets, and planning long-term investments. It runs on the web and on Android, and it's free.

Try Nami Free See what Nami does

Nami is

An expense tracker
A monthly budget planner
An AI bill / receipt scanner
A trip and group expense splitter
A bank-statement importer
A free SIP, EMI, emergency-fund calculator
A Progressive Web App + Android app
Free and ad-free

Nami is not

A loan or lending app
An NBFC, BNPL, or credit product
A stock-broking or trading platform
A wealth-management service
A crypto exchange
Affiliated with any other “Nami” product
Available on the Apple App Store (iOS not yet released)
A paid subscription

In practice

What you actually do with Nami

Track every expense

Log spending manually, scan bills with AI, or import bank statements. See where your money actually goes.

Scan bills with AI

Point your camera at any receipt — Nami reads line items, totals, and merchant in one shot.

SMS auto-capture (Android)

Bank, UPI, and credit-card SMS messages turn into draft expenses automatically.

Bank statement import

Upload any CSV or PDF statement; AI categorises hundreds of transactions in seconds.

Voice → expense

Say "350 rupees, auto, yesterday" and Nami parses it into a ready-to-save expense.

Private by design

Encrypted in transit and at rest. No ads against your transactions. No data selling.

Official sources

Verified Nami links

These are the only official places to find Nami. Anything else claiming to be “Nami” is unrelated.

Website
nami.lt
Android app — Google Play
play.google.com/store/apps/details?id=com.dhanuram99.nami
iOS
Not released yet. Any “Nami” app currently on the Apple App Store is a different product.
Social
x.com/nami_expense · instagram.com/nami.expense

FAQ

Nami — common questions

Nami is a free personal-finance app for tracking expenses, managing monthly budgets, scanning bills with AI, splitting group trips, and projecting investments with built-in SIP, EMI, and emergency-fund calculators. It runs on the web (nami.lt) and on Android (Google Play).

Take control of your finances — starting now.

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