A bank SMS arrives
You pay by UPI or swipe a card. Your bank sends its usual alert, just like today.
VM-KOTAKB · 9:12 AM
Sent Rs.1,250.00 from Kotak Bank AC X4470 to ZEPTO on 28-09-26. UPI Ref 426598114420.
Android Coming soon on Google Play
Expenses that track themselves.
Nimbu reads the transaction SMS your bank already sends and turns every UPI payment and card swipe into a tidy, categorised entry, right on your phone. No sign-up. No servers. No typing.
No account needed
Data stays on your phone
30+ banks recognised
Recognises alerts from 30+ banks in India
How it works
From bank SMS to sorted, in a blink.
Your bank already texts you every time money moves. Nimbu reads those alerts and does the bookkeeping for you.
Nimbu reads it on your phone
It picks out the amount, account, merchant and date. It all happens on the device.
Sent Rs.1,250.00 from Kotak Bank AC X4470 to ZEPTO on 28-09-26.
AmountAccountMerchantDate
It lands, already sorted
Category, account and tags filled in. A quick review notification lets you change anything.
−₹1,250
quick-commercezepto
Everything in one place
A complete money app, minus the chores.
Auto-capture is only the start. Nimbu covers budgets, bills, investments and loans, and backs it all up.
Review in a single tap
Every captured spend shows a notification with your most-used categories as buttons. Pick one, add a note, or ignore it. If you do nothing, it's saved on its own.
0:60
Transport
Food
Ignore
Just say it
Paid in cash? Tap the mic and say what happened. Nimbu fills in the amount, category and account, and you confirm.
“spent 500 on groceries, paid via GPay”
Amount₹500CategoryGroceriesAccountGPay wallet
Budgets that nudge
Set a monthly limit overall or for each category. Nimbu tells you where you'll end up at your current pace.
Food & Dining₹5,760 / ₹8,000
Shopping₹2,700 / ₹6,000
Fuel₹3,640 / ₹4,000
Bills & SIPs on autopilot
Rent, subscriptions and SIPs are logged by themselves when they're due, so the month always adds up.
₹649
₹1,640
₹5,000
Money lent, remembered
Record what you lend and when you expect it back. Nimbu reminds you after the due date and clears it when it's repaid.
₹2,000
₹1,200
Investments, priced every day
Search any mutual fund by name and Nimbu updates its value from AMFI's daily NAV. Crypto uses live prices; add stocks and gold by hand. SIP instalments are logged when they're due.
Portfolio value
₹3,84,920
▲ ₹41,280 · 12.0%
₹1,62,400+14.2%
₹1,08,760+11.8%
₹61,480+9.4%
₹52,280+6.1%
Home-screen widgets
Balance, spending, income and a category donut, visible without opening the app.
Tags, filters & search
Tag a trip or a project, then filter by date, category, account, tag or amount. Search even matches amounts like “4,660”. Common merchants such as Zepto, Swiggy and Uber are tagged for you.
goa-trip
quick-commerce
cabs
food-delivery
work
Export & import anything
Export any filtered list as a PDF report with charts, an Excel sheet or a CSV. You can also bring in an old bank statement or spreadsheet; duplicates are skipped.
PDFReport
XLSXExcel
CSVSheet
Import
Insights
See where it actually goes.
Pick a week, month, year or your own dates. Nimbu compares it with the same days last period and tells you, in plain words, what changed.
Spent · September₹18,240
▼ 12% vs last month
IncomeSpending
Net worth, month end
At this pace you'll finish about ₹2,400 under budget this month.
A closer look
Designed to be glanced at.
Dark by default, with a light theme too. Every screen shows you what matters first.
Private by design
Your money data lives on your phone.
There's no Nimbu server and no account to create. Your transactions are stored in the app on your phone, and nowhere else unless you choose to back them up.
SMS reading is off until you turn it onYou choose when Nimbu starts reading messages, and you can sync past messages for just the period you pick.
Encrypted backups, to places you ownBack up to a file or to your own Google Drive, encrypted with AES-256 and a password only you know.
App lock and hidden balancesLock the app with a PIN or your fingerprint, and hide every balance with one tap.
No ads, no analytics, no trackingThe only internet use is fetching fund and crypto prices, and your Drive backups if you turn them on.
0banks in India recognised
0accounts to create
0home-screen widgets
0AES encryption for backups
FAQ
Good questions.
How does Nimbu know what I spent?
Your bank sends an SMS for every UPI payment, card swipe and credit. Once you turn on Auto-capture, Nimbu reads those alerts on your phone and adds each one as a transaction. You can also import past messages for a period you choose; you review everything before it's saved.
Which banks does it work with?
More than 30 banks in India, including HDFC, ICICI, SBI, Axis, Kotak, PNB, AU, Bank of Baroda, Yes Bank and IndusInd. If a message isn't recognised, paste it into Nimbu once and it learns that format for next time.
Is my data uploaded anywhere?
No. There's no Nimbu server and no account. Your data stays in the app on your phone. It only leaves if you back it up, either to a file you save or to your own Google Drive, and those backups are encrypted with your password. Read the privacy policy for details.
What does Nimbu use the internet for?
Three things: downloading daily mutual fund NAVs from AMFI, fetching crypto prices from CoinGecko, and Google Drive backups if you turn them on. There are no ads and no analytics.
What happens when I change phones?
Back up to a file or to Google Drive, install Nimbu on the new phone and choose “I have a backup”. Transactions, accounts, budgets, investments, receipts and settings all come back. You'll need your backup password; without it, the backup can't be opened.
Can I add cash spends too?
Yes. Tap + to add one by hand, use the mic to say it out loud, or import a CSV or Excel file. You can attach a receipt photo or PDF to any transaction.
Is there an iPhone version?
Not at the moment. Nimbu is Android-only because iOS doesn't let apps read SMS, which is what makes auto-capture possible.
Coming soon
Stop typing expenses. Start seeing them.
Nimbu is coming soon to Google Play. Drop us a line and we'll let you know the day it's live.