What is Lipi

Lipi is a personal finance app. It keeps your day-to-day money in one place: what comes in, what goes out, what you owe, what you own, and what you share with other people. You record your money across your accounts, in the currencies you actually use, and Lipi turns those records into budgets, reminders, loan schedules and a clear picture of where you stand.

It is a manual-first app, and that is a deliberate choice. Lipi does not pull transactions out of your bank on its own. You add entries yourself, scan a receipt, share a bill photo or a bank text into a prefilled entry, or import a statement. Records you add are yours to check and correct, and the app works the same whether your money sits in a bank, a wallet or cash in a drawer.

What Lipi does

Day-to-day money

Every account you hold money in gets a place: bank accounts, wallets and cash. Spending and income are recorded against an account and a category, transfers move money between accounts, and the dashboard pulls it together into a monthly overview, spending by category and your recent transactions. The dashboard is built from widgets you can add and arrange, so the figures you care about sit where you can see them.

Getting records in is the part that decides whether a finance app survives its first week, so Lipi gives it several doors. Type an entry by hand when you want full control. Scan a paper receipt. Share a photo of a bill, or the text message your bank sent, and review the prefilled entry before saving it. Bring older records across with a statement import instead of starting from an empty book.

Budgets, bills and reminders

A budget in Lipi is a limit you set on a category for the month, watched as you spend rather than judged afterwards. Bills and recurring payments are set up once and reminded on time, so the regular costs of a household stop depending on memory. Reminders cover the repeating pattern of real money: rent, subscriptions, loan payments, the amounts that leave whether you think about them or not.

Loans and EMI

Loans get their full schedule, not just a balance. A loan in Lipi carries its interest rate, its tenure and a payment table showing what each EMI covers in interest and principal and what remains after it. When you can pay extra, a prepayment can be applied two ways: fewer EMIs, which ends the loan sooner, or a smaller EMI, which lowers the monthly payment over the same term. The guide to loans and EMI in Lipi works through a full example with real figures. Bank loans are a Premium feature; people ledgers, for money lent or borrowed between people, and the loan calculator are free.

Splits and shared accounts

Money is rarely a solo activity. A split records one shared bill, who paid it, and how the cost divides, then keeps track of who has settled and who has not; our guide to splitting expenses covers the flow step by step. Splits are free. Shared accounts go further: an account another person can also add to and edit, so a household or a small team keeps one book instead of two partial ones.

Gold, shares and assets

Spending is only half a person's money. Lipi tracks gold and silver by weight in tola, lal or grams, with a bought-at price and a live value from the app's estimated price feed; the dashboard's Gold & silver widget shows today's estimate to every user. Share portfolios sit alongside. Asset and net-worth tracking as a whole, including the 30-day metal price trends, is a Premium feature. The gold tracking guide explains the units and the live value in detail.

Who Lipi is for

Lipi suits people who want to know their own numbers rather than glance at them: a household running a monthly routine, a freelancer whose income arrives in uneven lumps, a family sharing accounts and bills, friends who split costs often enough that memory fails, anyone whose money includes gold or shares as well as a bank balance.

It is honest to say who it is not for. If you want an app that connects to your bank and files everything with no effort from you, Lipi will feel like work, because the recording is the point here. Manual entry is slower on day one and more accurate by month two: every figure in the app is one you have seen, which is why the budgets and schedules built on top of it can be trusted.

Free and Premium

The core of Lipi is free: tracking, accounts, budgets, bills, splits, the dashboard and its Gold & silver widget. Premium adds bank loans, asset and net-worth tracking and the 30-day metal price trends, among its advanced features.

Premium costs Rs 1 or US$1 a month. Payment is manual: there is no card on file and no automatic subscription charge quietly renewing in the background. You arrange the upgrade, it is applied to your account, and that is the whole transaction.

Offline and privacy

Lipi keeps working without a connection. Entries recorded offline are stored on your device and sync when you are back online, so a dead signal never means a lost record.

Your money details are personal, and the app treats the screen itself as part of that. An app lock keeps the book closed until you open it. Flip the phone face down and privacy mode hides your figures instantly, useful on a shared table or a crowded bus. Your records can be exported when you want them outside the app.

Questions people ask

Is Lipi free?

Yes, for the core app: tracking, budgets, bills, splits and the dashboard are free. Premium, at Rs 1 or US$1 a month, adds bank loans, asset and net-worth tracking and metal price trends.

How do I pay for Premium?

Manually. There is no automatic card subscription; you arrange payment and the upgrade is applied to your account.

Does Lipi connect to my bank automatically?

No. Lipi is manual-first by design. You add entries by hand, scan receipts, share bill photos or bank texts into prefilled entries, or import statements. Nothing is pulled from a bank without you putting it there.

Does Lipi work offline?

Yes. Entries are recorded on your device while you are offline and sync when the connection returns.

Can my family use it with me?

Yes. Shared accounts let another person add to and edit the same account, and splits divide a shared bill between any group and track who has settled.

Which languages does Lipi use?

The interface is available in English and Nepali.

Can Lipi track gold and shares?

Yes. Gold and silver are tracked by weight in tola, lal or grams with live estimated values, and share portfolios are supported. Asset and net-worth tracking is a Premium feature.

Start

Open Lipi, add your accounts, and record the first entry. The book builds from there, one honest figure at a time.