Track household expenses, EMIs, credit card balances and savings goals — all in one dashboard built for how families actually manage money together.
7 days free · Then ₹149/month · Cancel anytime
Most apps track only expenses. HAM tracks the full picture — income, debt, credit cards, and savings — so you always know exactly where you stand.
A health score out of 100, budget utilisation, spending trend charts for the last 6 months, and upcoming EMI alerts — all on one screen the moment you sign in.
DashboardAdd all your home loans, car loans, and personal loans. See outstanding balances, monthly EMIs, and a full amortization schedule showing exactly when each loan ends.
LoansTrack outstanding balances and minimum due amounts across all your cards. Get alerts when payment is due in 7 days or less — never miss a payment and avoid interest.
Credit CardsSet goals like Emergency Fund or Family Vacation with target amounts and deadlines. See exactly how much you need to save per month to hit each goal on time.
GoalsAdd every earning member of your household. See combined income, combined EMI burden, and total amount remaining after all obligations — as one family unit.
HouseholdSet monthly limits per category (Groceries, Rent, Transport, etc.) and get instant overspend alerts. Export everything to CSV for tax filing or your own analysis.
ExpensesFifteen new features, one update — the gaps users kept asking about are closed. Here's what's new.
Track FDs, mutual funds, gold, stocks and property alongside your loans and cards. One number for what you actually own minus what you owe — updated live.
One person pays the electricity bill, another covers groceries — split any expense across household members and see a simple, settled-up balance. No spreadsheet math.
EMI due dates, card payments, and budget overruns — pushed to your email or WhatsApp, not just waiting quietly in a dashboard nobody opened this week.
Drop in a CSV from your bank, GPay, or PhonePe — HAM parses every transaction and suggests categories automatically. Confirm and done, no manual typing.
After paying all your EMIs, credit card minimums, and monthly expenses — how much is actually left? HAM shows you this number instantly.
No spreadsheets to import. No bank account linking. Just add your numbers and go.
Register with a username and password. Your data is yours — isolated completely from every other account.
Add every earning member — yourself, spouse, parents. Set their income and monthly budget.
Add your home loan, car loan, and credit cards. HAM calculates total obligations automatically.
Log expenses daily or weekly. Watch your health score improve as you pay down debt and hit savings goals.
Finally I can see our total EMI burden vs actual take-home. The household combined view is exactly what we needed — my wife and I both add expenses and everything syncs up.
The credit card payment due alerts alone are worth it. I used to miss minimum payments on two cards every few months. Haven't missed one since I started using HAM.
The amortization schedule for my home loan blew my mind. I never realised how much interest I was paying. Now I'm putting an extra ₹5,000/month toward principal.
Two plans. No hidden limits, no surprise fees — cancel anytime.
Billed monthly via Razorpay · Cancel anytime · Data export available before cancellation
HAM is built and run by a small team, not a bank or an ad network — here's exactly how that shows up in the product, not just in a promise.
Every household's data is isolated to its own account. Nothing is pooled, shared, or sold to third parties — ever.
No bank-linking, no OTP access, no reading your SMS. You decide exactly what gets logged, and nothing else.
Subscriptions are processed by Razorpay. Cancel anytime in one click, and export every record before you go.
Installed as a PWA, so logging an expense doesn't depend on having signal or Wi-Fi at the moment you need it.
Join families already tracking their finances with HAM. 7 days free, no card required.
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