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The Expense Tracker App for everyday life.

Track every expense five different ways — manual entry, AI bill scan, SMS auto-capture, bank statement import, and voice. Any currency, one app.

Start Tracking FreeTry the Budget Planner
Five ways to capture

Log expenses however feels natural.

Most apps give you one way to record an expense. Nami gives you five — pick whichever fits the moment.

Manual entry, in seconds

Tap the + button, pick a category, type the amount — done. Built so you can log an expense before the coffee gets cold.

AI Bill Scanner

Point your camera at any receipt or bill. Our AI reads line items, totals, and merchant in one shot — no typing required.

SMS auto-capture (Android)

Bank, UPI, and credit-card SMS messages turn into draft expenses automatically. Review, approve, and move on.

Bank statement import

Upload any CSV or PDF bank statement. AI parses and categorises hundreds of transactions in seconds, no matter which bank issued it.

Voice → Expense

Say “350 rupees, auto, yesterday” and Nami parses the amount, category, and date into a ready-to-save expense.

Beyond the log

Tracking is step one. Insight is the goal.

Smart categorization

Every expense lands in the right bucket — Food, Transport, Bills, Entertainment, Health, and dozens more. Edit anything, retrain anytime.

Category budgets with alerts

Cap each category monthly. Get nudged at 50%, 90%, and the moment you cross — before the salary disappears.

Trend insights

See where your money actually goes — month over month, category over category, with charts that make patterns obvious.

Family & trip splits

Share a household budget with your spouse, or split a Goa trip across friends. Settle up in two taps.

Private by design

Your transactions are encrypted in transit and at rest. We don't sell data, we don't run ads on your expenses.

Pair it with

Free planning tools and guides.

Budget Planner (50/30/20)

Split your salary into Needs, Wants, and Savings in two minutes.

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SIP Calculator

Project the future value of monthly mutual fund investments.

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Emergency Fund Calculator

Find the right 3–12 month cash buffer for your household.

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Guide: How to actually stick with expense tracking

The psychology and habit design that makes tracking last past week one.

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Daily expense tracking — the playbook

Why writing down every rupee rewires how you think about money.

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Audit your subscriptions

Find and kill the silent ₹3,000/month subscription bleed.

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FAQ

Expense tracker FAQs

Yes. The core expense tracker — manual logging, bill scanning, budgets, categories, charts, and bank statement import — is completely free. There's no credit card needed to sign up.
Any currency. Nami uses your locale's number formatting (₹, $, €, £, and many more) and lets you categorise spending the way your country actually works. The default experience is currency-neutral.
Yes. Upload any CSV or PDF bank statement and our AI auto-categorises every transaction, so you can backfill weeks of history in minutes — regardless of which bank issued the statement.
On Android, yes. Grant SMS permission and Nami quietly turns every bank, UPI, or card-transaction SMS into a draft expense for you to review. iOS does not allow SMS access; iOS users can use the bill scanner, manual entry, or voice instead.
Yes. Data is encrypted in transit (TLS) and at rest. We never sell your transaction data, never show ads against it, and you can export or delete everything at any time from Settings.
Nami combines five capture methods (manual, bill scan, SMS, bank statement import, voice) into a single app — most competitors pick just one. It pairs that with free planning calculators (SIP, EMI, emergency fund, 50/30/20 budget) so you can both track today's spending and plan tomorrow's finances in the same place.
Both. Nami runs as a Progressive Web App in any modern browser (Chrome, Safari, Edge). You can also install it to your home screen on Android and iOS for a near-native experience.
The habit beats the method. Pick whichever feels easiest — for most people, that's enabling SMS auto-capture on Android or doing a one-time bank statement import to see the last 3 months at a glance. Then add a 50/30/20 budget on top.
Track every transaction the same day (or let Nami auto-capture it from SMS or a bank import), categorise it once, and review the monthly view on the 1st of each month. Nami groups your monthly expenses by category so you can see at a glance where the salary went and what to cut next month. Most people miss the small recurring spends — coffees, OTT, food delivery — which is where 80% of monthly expense leakage lives.

Take control of your finances, starting now.

Free, on web and Android, in your language. Start with what you spent today, the rest follows.

Start tracking free