Personal finance tracker · Made for India
All your money in one place — bills, cards, EMIs, chits and investments.
Nudge Chapters puts your bank balances, credit card bills, EMIs, chit funds, SIPs, EPF and the money you've lent on one timeline. See what's safe to spend this month, what's due next month, and what you'll have on any date in the future.
Free · No ads · No bank login needed
Everything you track, on one screen
Safe to spend, every month
One number that already takes out this month's bills, EMIs, card payments, budgets and savings — so you know what you can actually spend.
Credit card bills that don't surprise you
Statement and due dates for every card, what's billed, what's unbilled, and a reminder before each payment is due.
EMIs and loans
Every EMI on one calendar, with what's left on each loan and when it ends — including card EMIs and loans you pay for someone else.
Chit funds
Installments, auction dividends and your expected payout, tracked month by month.
Investments, SIPs and EPF
Mutual funds, stocks, FDs, PPF and EPF in one place, with SIPs that show up on the day they're due.
Money you've lent or borrowed
Who owes you, who you owe, and when it's due — split bills, family loans and reimbursements included.
Budgets that reset themselves
Set ₹5,000 for groceries or ₹2,000 for fuel once; every month starts fresh and shows what's left.
Your future, on any date
Ask how much you'll have by March 2028. Income, bills, EMIs, SIPs and goals are all projected forward.
Goals as chapters
A trip, a bike, an emergency fund — see how much to set aside each week to get there on time.
How it works
- Step 1
Add what you have and owe
Bank accounts, cards, loans, chits, investments and IOUs — or import a CSV or Excel file.
- Step 2
Add what repeats
Salary, rent, bills, SIPs and budgets. EMIs and card bills are worked out for you.
- Step 3
Follow the nudges
Each month shows what's due, what's safe to spend, and the one thing worth doing next.
Questions
Is Nudge Chapters free?
Yes. It's free to use, with no ads. If it helps you, you can support the developer with a coffee.
Do I need to link my bank account?
No. You add your own accounts, cards and bills, so no bank login or SMS access is needed. You can also import transactions from a CSV or Excel file.
Can it track credit card bills and EMIs in India?
Yes. It's built around how money works in India: credit card statement and due dates, EMIs (including no-cost and card EMIs), chit funds, EPF, PPF, SIPs and amounts in rupees with lakh-style formatting.
How does it work out what's safe to spend?
It starts from the cash in your accounts, adds income still expected this month, and takes out bills, EMIs, card payments, remaining budgets and money you've set aside. What's left is safe to spend.
Can I try it without signing up?
Yes. Open the demo with sample data, or start with an empty setup that stays only on your device.
Does it work on my phone?
Yes. It runs in any browser and can be installed to your home screen like an app, with an optional Face ID or fingerprint lock.
Small nudges. Bigger chapters.
Know where your money is today, and where it's heading.
Start free