Features
Everything Numero does for your money
Track it, understand it, plan it and keep it organized. Most of it is free, and none of it needs your bank login.
Badges show the lowest plan that includes each feature.
Track
Automatic expense tracking
Every payment lands on its own, from the places your money already talks to you.
- Free
Bank SMS tracking
UPI, card and transfer alerts become expenses by themselves.
- Read on your phone; only the facts are uploaded
- Personal chats and OTPs are skipped
- Bring in 30, 90 or 180 days of history (Android phones)
- Free
Gmail and Outlook
Receipts, bills, renewals and refunds, found in your inbox.
- Read-only access, Google certified for Gmail
- The email itself is never stored
- One inbox free, up to five on Premium
- Free
Counted once
One payment, one entry, however many messages it sent.
- Bank SMS and the shop's email are matched
- Card bill payments are never counted twice
- When it can't be sure, it keeps them apart
- Free
Cash and manual entry
Add the chai, the tip, the market stall in seconds.
- Amount, merchant and category, nothing more
- Counts toward your budgets like everything else
- Works without connecting anything
- Pro
Receipt scan
Photograph a paper bill and review the details before saving.
- Upload or take a photo
- Numero drafts merchant, amount and date
- Nothing is saved until you confirm
Understand
Ask Numero and AI Insights
Answers in plain words, and a second pair of eyes on your month.
- Free3 questions a month
Ask Numero
Ask anything about your money and get the answer with the payments behind it.
- “How much did I spend on food this month?”
- Answers come from your own recorded payments
- 10 questions a month on Pro, 50 on Premium
- Pro
AI Insights
Numero connects changes across your month that are easy to miss.
- Spots patterns, not just totals
- Every insight shows the evidence behind it
- Refreshes when your activity changes
- Free
Categories and spending patterns
See where your money goes and which categories are changing.
- Month by month, category by category
- The merchants driving each shift
- Correct a category in one tap
- Free
Merchants
Every shop, app and biller, with everything you've paid them.
- Top merchants this month
- Each merchant's full history
- Correct a merchant name when it's wrong
- Free
Timeline and search
Money in, money out and every record, in order and searchable.
- Search by merchant, amount or category
- Filter by date range
- Free on every plan
- Pro
Financial DNA
Your money personality, drawn from how you actually spend.
- Your financial archetype
- Evolves as each month adds new activity
- Built from your own patterns
Plan
Budget planner
Limits you can live with, and a heads-up before the month gets away.
- Free
Monthly and category budgets
One limit for the month, one per category, or both.
- Suggested from your last three months
- Change anything; nothing saves until you say so
- Starts fresh each calendar month
- Free
Budget alerts
A heads-up at 80%, a nudge at 100%. No guilt trips.
- In the app and on your phone
- One alert per threshold, never repeated
- On every plan, including Free
Organize
Subscriptions, bills, refunds and more
The recurring and the easy-to-forget, kept in order for you.
- Free
Subscriptions
Every plan, its price and its next charge.
- Your monthly total at a glance
- Free trials and plans that quietly stopped
- Each plan's next charge date
- Free
Bills
Electricity, phone, broadband and rent, month by month.
- What's due and what you paid
- “Paid on … via …” for every cycle
- Each biller's earlier bills
- Free
Refunds
Followed from cancellation until the money is back.
- Every step of each refund
- Cancelled orders still waiting on money
- Netted from your spending once it lands
- Free
Investments
SIPs, mutual funds, stocks and fixed deposits in one list.
- Everything you've put in, month by month
- Never counted as spending
- Grouped by account and holding
- Free
Credit cards
Statement balances, payment state and card spending.
- Spending counted at the swipe
- Bill payments are never counted twice
- Only masked card numbers, never the full one
- Free
Loans and EMIs
EMI payments and due dates for each loan.
- Recognized EMI activity by loan
- Payment dates and amounts
- Never an estimated balance
Control
Privacy and control
Your data, your rules, and the extras for people who want more.
- Free
Private by design
Read-only access, facts only, never sold.
- SMS text and emails are never stored
- Disconnect a source anytime
- Delete your data or account from Settings
- Free
Export your data
Take your financial history anywhere.
- CSV or JSON, from Settings
- Your recognized activity, never raw messages
- Never behind a paywall
- Premium
Family Sharing (beta)
Bring your household's inboxes into one view.
- Up to five connected inboxes
- One shared Financial Memory
- Manage who belongs from Settings
How it works
How automatic expense tracking works
Set it up once. About a minute.
STEP 01
Connect once
Turn on SMS tracking in the app, or connect Gmail or Outlook read-only. Numero can never send, delete, or change anything.
STEP 02
Pick how far back to go
Choose how much history to bring in. Your past months sort themselves out while you wait.
STEP 03
Set a budget, if you like
Take Numero's suggestion or pick your own limits. Then just live your month.
Start free. Upgrade when you want more.
Pro adds unlimited history, AI Insights, receipt scan and more questions for Ask Numero.