🇬🇧 The household budget app for UK families

Log money you send to family abroad in both currencies — the rate you got, the fee you paid, and a monthly send-home budget per person.

Your savings circle in one place: your turn, contributions paid, when your payout lands, and a reminder before every round.

Living in the US, UK or Canada? See how much of this year’s tax-free allowance is left, with catch-ups for your age and the deadline.

Every EMI, card due date, premium and renewal in Google, Apple or Outlook Calendar — plus phone notifications before payments are due.

Invite a friend: they get an extra free month, and when they subscribe you get a free month too — taken off your next bill.

Snowball or avalanche — see which loan or card to clear first, your debt-free date, and how much interest you save.

Track how much of your 80C and 80D limits you have used and compare the old and new tax regimes side by side.

Every OTT, app and membership in one list, with renewal reminders and a nudge to cancel the ones you no longer use.

Health, life and motor policies in one place — cover amount, premium and a reminder before every renewal.

Project your EPF, NPS and PPF — or 401(k) and pension abroad — to retirement age and see if you are on track.

Use HAM in 7 languages, including Arabic right-to-left, and track your household in any of 18 currencies.

A one-time code is emailed at sign-in, and the account locks after repeated wrong passwords — your money data stays yours.

Track FDs, mutual funds, gold, stocks and property alongside your loans and cards. One number for what you actually own minus what you owe — updated live.

One person pays the electricity bill, another covers groceries — split any expense across household members and see a simple, settled-up balance. No spreadsheet math.

EMI due dates, card payments, and budget overruns — pushed to your email (WhatsApp coming soon), not just waiting quietly in a dashboard nobody opened this week.

Drop in a CSV or PDF statement from your bank — HAM parses every transaction and suggests categories automatically. Confirm and done, no manual typing.

Photograph any receipt and HAM reads the vendor, amount, and category automatically — no manual entry, no guesswork on what you actually spent.

No app, no login — message what you spent (or forward a receipt) to HAM's WhatsApp number and it's logged, categorized, and matched to the right person automatically.

See who owes who from a split expense, then pay back with Monzo, PayPal or a bank transfer right from the Settlements screen. No manual transfer tracking.

Category, payment method, frequency, and status are all one-tap chips now — not blank dropdowns to scroll through. Logging an expense takes half the taps it used to.

Add a ticker or AMFI scheme code to any stock or mutual fund holding and HAM pulls the real market price — refresh one at a time or all at once, plus an automatic nightly refresh so your net worth never goes stale.

Pick up any conversation right where you left off, watch answers stream in live, and ask by voice or snap a receipt photo instead of typing. It now knows your emergency fund, FIRE number, retirement plan, investments, and settlements too — not just budget and net worth. (Premium)

See your household's balance projected day-by-day, up to 6 months out — every EMI, card due date, subscription renewal, and insurance premium plotted on one timeline, with a heads-up the moment you're projected to go short.

See exactly how many months of expenses you've cushioned. HAM computes your 3x, 6x, and 9x targets from real trailing spending and tracks progress against whichever savings goal you mark as your emergency fund.

See how many years until your net worth covers 25x your annual expenses — the classic 4% rule, projected from your real net worth trend with an 8% growth assumption. No spreadsheet required.

One page, once a year: total income, expenses, and savings, your biggest spending category, lifetime debt paid off, and how your net worth moved — plus a printable letterhead report to keep for your records.

A real consecutive-month budget streak, a debt-free countdown, and a savings ladder measured in months of expenses — small nudges that make sticking to a budget feel like progress, not a chore.

Toggle any savings goal to show its inflation-adjusted target — what that ₹10,00,000 will really cost by the time you hit it, so you're saving for tomorrow's prices, not today's.

Big or unusual purchase? Flag it right from the expense list — your spouse or co-owner gets an email and can approve or decline from their own login. Never blocks the spend, just keeps everyone in the loop.

A live breakdown of equity, debt, gold, and real estate across every holding, an estimated annualized return, and a heads-up if too much sits in one place — all without telling you what to buy or sell.

Model a lump sum today or a bit more every month on any active loan, and see exactly how many months and how much interest it saves — before you commit a rupee.