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Subscriptions · card dues · bills

Every recurring payment. One conclusion.

Nigaman reads your credit card statements and bills, puts everything you pay for again and again in one list, tells you what's due, and shows what to change to pay less.

Sign in to Nigaman

Nigaman is invite-only for now.

  • One list of everything you pay again and again.
  • Know what's due, and on which card.
  • See what to change to pay less.

How it works

About a minute with a statement.

  1. 1

    Drop in a statement

    A credit card statement PDF, a UPI AutoPay screenshot or a photo of a bill. Nigaman reads it once and fills in the card, the subscriptions and the bills paid on it.

  2. 2

    Check and save

    You see everything it found and tick what to keep. Nothing is saved until you say so.

  3. 3

    Know what's due

    One list of what you pay, when it's due and on which card, with what you've committed each month.

Statement import

From statement to list in about a minute.

  • Reads a credit card statement PDF, a UPI AutoPay screenshot or a photo of a bill.
  • Password-protected statements work too: you type the password, or let it try your name and date of birth. It is used once and never stored.
  • Finds the card (issuer, last 4 digits, statement day, due date, amount due), the subscriptions and bills paid on it, and dollar charges with their forex markup.
  • Spots what you've already added, so nothing is counted twice.
  • Nothing is saved until you tick and save. The statement itself is not kept.

Features

Everything you pay for, again and again.

  • Subscriptions

    Monthly or yearly, in rupees or dollars, with the cost per month.

  • Bills

    Electricity, phone, broadband, insurance, rent. Amounts that change are shown as they change.

  • Credit cards

    Due dates, statement amounts, annual fees, forex markup and what each card pays for.

  • Mark paid

    One tap moves the due date on, and can be undone.

  • Households

    Share cards and bills with family, each with their own sign-in, as owner, member or viewer. Your personal space stays private.

  • What to change

    What cancelling a plan you no longer use would save, and what dollar subscriptions cost in forex markup, with the reasons shown.

Households

Share the bills, keep your own space.

  • Everyone has a private personal space. Create a household and invite family.
  • Owners manage everything, members add, edit and mark paid, viewers only look.
  • Someone already on Nigaman accepts the invitation in the app; someone new is approved by the site admin first.
  • Move a card into the household and choose whether its subscriptions and bills come with it. Only owners can move things back out.
  • Every shared item shows who added it, who last changed it and who marked it paid.

Your money stays yours.

Nigaman helps you decide. It never pays, cancels or changes anything for you.

  • Last 4 digits only

    Only the last 4 digits of a card, never the full number, CVV or any login.

  • Read once

    Statements and photos are read once by Anthropic's Claude to fill in the forms, then thrown away.

  • Two-step sign-in

    Signing in needs a password and a code from your authenticator app every time, with one-time backup codes if you lose your phone.

  • Strong passwords

    Passwords must be 12+ characters with a capital, a small letter and a number or symbol, and are checked against known data breaches.

  • Lock-out

    Five wrong tries lock the account for 15 minutes.

  • Stored in India

    Your data is stored in India (Mumbai) and backed up, encrypted.

FAQ

Questions, answered.

Who can use Nigaman?

It's invite-only for now; someone already using it invites you.

Do I connect my bank?

No. Nigaman never logs in to your bank or card account; you add statements, screenshots or photos yourself, or type things in.

Which statements work?

Credit card statement PDFs from Indian card issuers, including password-protected ones; UPI AutoPay screenshots; photos of bills.

Is my statement stored?

No. It is read once and thrown away; only what you tick and save is kept.

Does Nigaman pay or cancel anything?

No. It shows what's due and what you could change; you decide and act.

Can my family use it with me?

Yes, with a household; each person has their own sign-in and their own private space.

Can I use it on my phone?

Yes, in your phone's browser. There's no app to install.

How do I delete my account?

Ask the person who invited you, or the admin; your account and data are removed.

See where it all goes.

Already invited? Sign in and add your first statement.

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