Track FDs, RDs and EMIs, plan your monthly budget, and settle who-owes-whom with friends and family — all in one app built for how Indian households actually manage money.
Track every FD and RD across banks — principal, profit, maturity date, all in one view, with alerts before anything matures.
Built-in FD, RD and Home Loan calculators with instant, visual principal-vs-interest breakdowns.
Track Home and Personal Loans with a live EMI split — see exactly how much of each payment is principal vs interest, and what a prepayment actually saves you.
Log monthly income and spending by category — see exactly where the money goes, and how much you're actually saving.
A running ledger for money lent or borrowed — linked to a phone number, confirmed by both sides. Set a promised repayment date and both of you get reminded before it's due.
Every FD, RD and loan comes with an automatic principal-vs-interest breakdown — see your real return, or exactly what a loan is costing you, without doing the math yourself.
Type it the way you'd say it — "FD of 50000 at 7% for 12 months at HDFC" — and AI fills in the form for you.
Run a group RD with friends or family — fixed monthly contribution, a fixed turn order for the payout, and a verification step so everyone can see who's paid before the money moves.
Share any investment with a family member's email, and it appears on their phone too — live. Everyone sees the same maturity date, the same profit, updated the moment it changes, exactly as if it were their own.
Every Udhar entry needs a confirmation from the other side, so it's never just your word against theirs. Open any ledger and see at a glance who's confirmed and who hasn't — before it becomes an awkward conversation.
Fixed monthly contribution, a fixed turn order decided upfront — no bidding, no negotiation. Everyone can see who's paid this round, and the payout only moves once it's verified. Own it as the organiser, or join one someone else runs.
No. Nivesh is a personal tracking tool — it doesn't hold your money, lend it, or give financial advice. It simply helps you see your own numbers clearly, in one place.
No. Every payment in a Committee happens directly between members — by UPI, cash, or however your group already settles up. Nivesh never holds, moves, or has access to anyone's money; it only tracks who's paid and whose turn it is, so the group has one shared, transparent record instead of a chat thread full of screenshots.
Yes — cross-confirmation (shared investments, mutually-confirmed Udhar entries) requires both people to be on Nivesh. You can still track your own entries solo either way.
Your data is stored securely and is only visible to you and anyone you explicitly choose to share it with. See our Privacy Policy for full details.
Yes, Nivesh is free to use and supported by ads.
Nivesh is now live on Google Play — download it and start tracking your family's money today. On iPhone or don't want to install anything? Use it right in your browser instead.