Install it like an app
One tap to install on Android. On iPhone, simple steps show you how to add it to your Home Screen. It works offline and tells you when an update is ready.
Nijdhan
Plan your retirement and track every spend — without giving anyone your data.
A simple money app for Indian families. Log what you spend each day, plan your monthly budget, see what you own, and find out if your savings will last — in your own language, right on your phone. Your data stays on your device.
- Free
- Daily spend tracking
- No sign-up
- 23 languages
- Works offline
- Install on your phone ↓
New: daily tracking
Track every spend, not just plan it
Log what you spend each day — cash, UPI or card — and see it next to your monthly plan.
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Log a spend in seconds
Tap “Log spend”, type the amount on the big keypad and pick a category. Choose Cash for cash, UPI or bank, or Card for a credit card.
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Scan a bill
Take a photo of a printed bill and Nijdhan fills in the total, date and shop. The photo is read on your device and is not saved.
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Card spends counted once
When you add your card statement, Nijdhan matches each card spend you logged (same card, amount within ₹1, within 3 days), so nothing is counted twice.
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Real spending vs your plan
See this month’s real spending next to your monthly plan — cash and UPI, card spends and statement lines you did not log — and whether you are on track.
New
New in Nijdhan
Easier to use on your phone and in your own language — and still private.
A short video tour
A short video on the Dashboard explains each part in plain words, with a voice in 11 languages. Tap the video to play or pause.
In your language
Choose from 23 languages, including Hindi, Bengali, Tamil, Telugu and Marathi. Menus, setup and help switch to your language; some detailed screens are still in English.
Made for your phone
Simple tabs at the bottom of the screen: Dashboard, Expenses, Portfolio, Goals and More. Everything is one tap away.
A monthly spending plan
List your regular monthly costs, then add a yearly buffer for surprises like repairs or doctor bills. Nijdhan spreads it across the months for you.
Try first, start fresh anytime
Explore a sample family’s plan without touching your own. When you are ready, Clean slate in Settings gives you a fresh start.
Built for Indian households
Everything you need to plan and track your money in one place — no account and no spreadsheets.
Can I retire?
See if your savings are enough to stop working today, and from what age you could retire.
All your savings in one place
Mutual funds, shares, gold, PF, PPF, NPS and property, added up into one number: your net worth.
Add funds from your statement
Add your mutual funds and shares from your CAS statement PDF. The file is read on your device and never uploaded.
Will the money last?
See year by year whether your savings last until age 100, after you stop working.
Plan as a family
Add each person at home with their own income, spending and retirement age, and see one family plan.
Goals that matter
Plan for a home, a child’s education or a wedding, and see how each goal fits into your plan.
Install Nijdhan on your phone
Free, and no app store needed. It opens full screen, works offline, and your plan stays on your phone.
Android
- Open Nijdhan in Chrome.
- Tap the Install button (a phone with a down arrow) at the top.
- Tap Install to confirm. Nijdhan appears on your home screen.
iPhone
- Open Nijdhan in Safari.
- Tap the Install button at the top. Nijdhan shows you each step.
- Tap Share, then “Add to Home Screen”, then Add.
Open Nijdhan to install
When a new version is ready, a small bar asks you to update. One tap and you are done.
Your money stays private
Your plan and spends are saved in this browser, on your device. There is no account, and nobody else can see your numbers.
- The app, its fonts, videos and bill scanner all come from Nijdhan’s own site. No ads, no trackers, and analytics is turned off.
- Refreshing prices is optional. Only stock symbols and fund codes go out, through Nijdhan’s server — never your amounts.
- Statement PDFs, their passwords and bill photos are read on your device and not stored. If a card statement cannot be read, you can choose to send it to Nijdhan for a fix — it is only sent if you agree.
- Google Drive sync is optional. If you turn it on, your plan is encrypted on your device with your passphrase and saved as one file in a “Nijdhan” folder in your own Drive. Nijdhan can only see the files it creates, and its servers never see your data.
- Open Internet calls in the app anytime to see every request it made.
- Feedback and ratings are sent only when you tap Send — just what you typed and basic app/device details, never your numbers.
Inside the app
Real screens from the app with sample data, on a phone and on a computer.
Dashboard
Retirement charts
Expenses
Goals
FAQ
Do I need an account?
No. Nijdhan works in your browser without signing up. To move to another device, download a backup from Settings and upload it there.
How do I install it on my phone?
Open Nijdhan and tap the Install button at the top. On Android it installs in one tap; on iPhone, follow the short steps in Safari. No app store needed.
Is my statement uploaded?
No. Mutual fund and demat statement PDFs are read on your device. Passwords are not stored.
Why does it ever call the internet?
To get today’s prices when you refresh them, and to check for app updates. For prices, only stock symbols and fund codes are sent, through Nijdhan’s own server — never your amounts or names. Open Internet calls in the app to see every request.
Can I try without my real numbers?
Yes. Tap “Try with sample data” to explore a sample family’s plan. Your own saved plan is not changed.
Is it free?
Yes. Nijdhan is free to use, with no ads.