Transactions: expense and income tracker
Yes, Lipi tracks expenses, income and transfers: each is saved on your device first, grouped by day and month, with Spent, Earned, Net and Not counted totals. Unlimited on the Free plan.
Features
Everything Lipi does.
Each feature below has its own page: what it is, how to use it, and what problem it solves. Free and Premium are marked on every card.
Lipi at a glance
Every feature in one list. Each name opens its page.
Dashboard and reports
- Dashboard widgets
- Accounts widget
- Budgets widget
- Spending by category widget
- Expense calendar widget
- Currency widget
- Gold and silver price widget
- Metals trend widget
- Assets overview widget
- Cash-flow projection widget
- Category movers widget
- Bills radar widget
- Loan widgets
- Monthly overview widget
- Income vs expense widget
- Recent transactions widget
- 7-day spending widget
- Money health widget
- Net worth widget
- Net-worth trend widget
- Savings rate widget
- Spending forecast widget
- Recurring expenses widget
- Splits widget
- Unusual spend widget
- Reports and summaries
Money in and out
Log income and spending in seconds, and find any entry later.
Quick add: log an expense in a few taps
Yes, Lipi has quick entry: one sheet with a keypad, Expense, Income and Transfer tabs, and chips for day and account, so most entries take a few taps. Free, no limit.
Categories and spending intent
Yes, Lipi has expense and income categories, plus a spending intent on expense categories (essential, unavoidable, avoidable, goodwill) so reports show what you could cut. Free allows 5 custom categories, Premium unlimited.
Attachments and receipts for expenses
Yes, Lipi lets you attach a photo or PDF bill (up to 10 MB) to a transaction. Free allows 5 attachments a month, Premium is unlimited.
Search in Lipi
Yes, Lipi has one search over transactions, accounts, categories, splits and loans, with quick actions and currency conversion. The Transactions page also has its own search box that works offline.
Accounts
Cash, banks, wallets and cards in one place, with transfers between them.
Accounts: bank, wallet, cash, card
Yes, Lipi has accounts: bank, wallet, cash, investment and credit card, each with its own currency and live balance. Free allows 2 accounts, Premium is unlimited.
Multiple accounts and currencies
Yes, Lipi handles multiple accounts and multiple currencies. Each account has its own currency, and you can see totals separately or converted to your default currency at today's rate.
Transfers between accounts
Yes, Lipi supports transfers between your own accounts, including a fee and cross-currency moves at the rate you got. A transfer is not counted as spending or income.
Shared accounts for families
Yes, Lipi has shared accounts: the owner invites a person by email or QR code, and that person can add and edit transactions in the account. Shared activity counts only in the owner's reports.
Budgets
Monthly limits per category that count every expense as it happens.
Budgets and spending limits
Yes, Lipi has budgets by category, for all spending, or for a trip, weekly, monthly or yearly. Expenses link in automatically and you get an alert near the limit; Free allows 3.
Planning ahead
Recurring bills, one-time scheduled payments and a calendar of what is due.
Recurring transactions
Yes, Lipi has recurring transactions: a monthly expense series (rent, internet, Netflix, gym) that posts automatically each month. It is a Premium feature and covers monthly expenses only.
Scheduled transactions
Yes, Lipi can schedule a one-time expense for a future date, such as tuition or a bluebook renewal, and posts it that day. Premium, expenses only.
Bills radar
Yes, Lipi shows upcoming bills: Bills radar lists everything due in the next 30 days and the amount committed this month, from recurring series and scheduled expenses. It is a Premium widget.
Expense calendar
Yes, Lipi has an expense calendar: a free dashboard widget that shows a month grid coloured by daily spending. Tap a day to see its transactions.
People and sharing
Splits, lending and borrowing, settling up and share links.
Split bills with friends
Yes, Lipi splits shared expenses: enter one bill, pick who paid and each share, and Lipi tracks who owes whom until everyone settles. Free, and guests need no account.
Lending and borrowing tracker
Yes, Lipi tracks personal lending and borrowing: each person gets a ledger with a running balance, optional simple interest, a shared or read-only view and CSV or PDF export. Free.
Settle up and mark as paid
Lipi settle up: a member taps I paid and the payer confirms or denies, or the payer marks cash as paid, and only confirmed payments change balances. Free.
Share links and invite codes
Lipi has four kinds of share link: a read-only ledger link, an invoice link, a split invite code or QR, and a one-time account link, each with its own life span and power. Free.
Loans and EMI
Bank loans with an EMI schedule, prepayment and a loan calculator.
Bank loan tracker with EMI
Yes, Lipi tracks bank loans: it builds the EMI schedule from the loan terms, lets you tick EMIs as paid, records prepayments and shows what is left to pay. Premium.
EMI schedule and amortization
Lipi shows each loan as an amortization table with due date, EMI, interest, principal, balance and rate per row, and you can edit any row to match the bank. Premium.
Loan prepayment and foreclosure
Lipi records loan prepayments and early closure: choose fewer EMIs or a smaller EMI, add a bank penalty, and see the interest saved before you confirm. Premium.
Loan and EMI calculator
Lipi has a free EMI and amortization calculator: enter amount, rate, tenure and interest type, add what-if prepayments and see EMI, total interest and a chart. Nothing is saved.
Wealth and net worth
Gold, land and NEPSE shares, and a net worth you can track and set a goal for.
Net worth tracking
Yes, Lipi tracks net worth: your assets total plus your active account balances, on the dashboard, with loans shown separately. The trend over time is Premium.
Net worth trend and goal
Lipi charts your liquid net worth over 12 months, projects it from your savings pace and can show months to a goal you set. Premium; it covers accounts only, not assets or loans.
Assets tracker: gold, land, shares
Yes, Lipi tracks assets: gold, silver, property, shares, retirement funds and other things you own, with total value and gain. Premium.
Gold and silver price per tola
Lipi shows gold and silver prices per tola, gram or ounce in rupees, and values the gold and silver you own by weight. The price widget is free; gold and silver assets are Premium.
Track land and property value
Lipi lets you record land or a house as a Property asset with a value you keep up to date, counted in net worth, with no area field or automatic valuation. Premium.
NEPSE index, alerts and shares
Lipi shows the NEPSE index, sends NEPSE index alerts and lets you keep shares as a manual Investment asset, with no per-stock tracking or Meroshare import. Premium.
Invoices and clients
Send invoices, record payments and bill clients on repeat.
Invoice maker for freelancers and small business
Yes, Lipi has invoicing: invoices with lines, discount and VAT, shared as a link or PDF, with full or partial payments and clear draft, sent, partly paid, paid and overdue states. Free for everyone.
Client list for invoices: who you bill, who owes
Yes, Lipi keeps a client list for invoicing, with contact and tax details and each client's invoices, payments received and amount still owed. Free.
Custom invoice layout: logo, colours, labels, paper
Yes, Lipi lets you design how your invoice PDF looks: move and hide blocks, rename labels in any language including Nepali, pick a font, paper size and margins. Premium adds your own logo, signature, colours and no Lipi footer.
Record invoice payments and show how to pay
Yes, Lipi records full and partial payments on invoices and can create the matching income transaction in the account you choose, converted at today's rate. Free for everyone.
Share an invoice by link, WhatsApp or PDF
Yes, Lipi shares an invoice as a private link for WhatsApp, Viber or email; the client sees the amount due, how to pay and a PDF with no account, and you can set an expiry or turn it off. Free.
Recurring invoices: a draft made for you on schedule
Yes, Lipi has recurring invoices: pick a template or an existing invoice and a schedule, and on each run date Lipi makes a draft and notifies you. It never sends anything to your client.
Dashboard and reports
Widgets and reports that show where your money went and where it is heading.
Dashboard widgets
Yes, Lipi has an advanced dashboard: 26 widgets you add, order and configure, from spending and budgets to net worth, bills, loans, gold prices and exchange rates. Free accounts get 3 widgets, Premium is unlimited.
Reports and summaries
Lipi reports are built into the app: the Transactions month summary (spent, earned, net, not counted, by category), dashboard widgets, CSV and JSON exports (Premium) and report tools for AI assistants.
Import, scan and backup
Receipt scanning, CSV import, and export of everything you entered.
Receipt and bill scanner
Yes, Lipi scans receipts and bills: it reads vendor, amount, date and a suggested category from a photo or PDF and proposes a transaction you review. Free gets 5 scans a month, Premium gets 100 a day.
Import transactions from CSV
Yes, Lipi imports transactions and transfers from a CSV file, with a preview, error report and duplicate skipping before anything is saved. Import is a Premium feature.
Export, backup and restore
Yes, Lipi exports your data: a full JSON backup of the account and a CSV of every transaction, plus restore from a backup. Export, backup and restore are Premium features.
Rates and markets
Exchange rates, gold and silver rates and the NEPSE index.
Multi-currency and exchange rates
Yes, Lipi is multi-currency. Each account has its own currency, transactions keep the rate used on their date, and a free Currency page converts and charts rates.
Currency rate alerts
Yes, Lipi has currency rate alerts: pick two currencies, a target rate and a direction, and get a push notification when the rate crosses it. Free.
NEPSE index and gold rates in Lipi
Lipi has Nepal market data built in: the NEPSE index and gold and silver per tola in rupees, with price alerts. The Gold & silver widget is free; index data, history and alerts are Premium.
AI assistants
Use Lipi from Claude, ChatGPT and other assistants.
Use Lipi with ChatGPT and Claude
Yes, Lipi works with ChatGPT, Claude and coding agents through a hosted MCP server at api.lipi.com.np/mcp with 99 tools, in read-only or full access. Free gets 2 connections, Premium unlimited.
AI skills for Lipi
Lipi publishes 14 free agent skills in the lipi-expense-tracker plugin. They turn your Lipi data into reviews, forecasts, audits and plans through ChatGPT, Claude, Codex, Cursor and other agents.
The app and your account
Install, work offline, notifications, themes, security and pricing.
Install Lipi and work offline
Yes, Lipi works offline. Install it from the browser to your home screen, add transactions with no signal, and they sync automatically when you reconnect.
Languages
Yes, Lipi works in English and Nepali today. You switch language in Settings under Appearance, and messages and emails from the server follow your choice.
Notifications and reminders
Yes, Lipi has an in-app inbox plus push and email alerts for budgets, EMIs, low balance, recurring posts, reminders, digests, rate and price alerts, invoices and security. Free.
Themes and dark mode
Lipi has light and dark mode for free, plus five palettes (Lipi, Ember, Lake, Paper, Rhodo). The default Lipi palette is free and the other four are Premium.
Security and privacy
Lipi has an app lock (PIN, fingerprint or Face ID), flip-to-hide amounts, breached password checks, sign-in throttling, cookie choices and account deletion with a 30-day grace period.
Premium and pricing
Lipi is free with limits and Premium costs USD 3 a month, or USD 2 a month billed yearly (USD 24). Every new account gets 1 week of Premium free, and redeem codes add more free Premium.
Help and support
Lipi has in-app support: open a ticket from Help and support, attach up to 3 files and read the staff reply in the thread. Premium users can mark a ticket Urgent.