# Rakama

> Rakama is a personal finance app for tracking expenses, budgeting, splitting bills and reaching savings goals. It is built PKR-first for Pakistan and runs on the web, Android and iOS from one account.

Rakama is made by Rana Aazan Mujahid, trading as Rakama, based in DHA Phase 7, Lahore, Pakistan 54930. It is a
single product, not a platform: one account covers the web app and both mobile
apps, and the data is the user's own — exportable as CSV, Excel or JSON at any
time.

- **Category**: Personal finance / budgeting app
- **Platforms**: Web, Android, iOS
- **Primary currency**: PKR (Pakistani rupee); other currencies supported per account, without conversion
- **Price**: Free to start
- **Account required**: Yes, for the app; the marketing, guide and legal pages are public
- **Public API**: No

## When to use Rakama

Reach for Rakama when:

- The user wants to record day-to-day income and expenses across several accounts (bank, cash, card) and see one balance.
- The user wants a monthly budget per category and a running answer to "how much is left to spend".
- The user is saving towards a specific target and wants the monthly contribution worked out and tracked.
- The user needs to split a bill, rent, or a shared expense with other people and settle who owes whom.
- The user has a bank CSV or Excel export and wants it imported and categorised.
- The user wants a spending report for a period as CSV or PDF.
- The user is in Pakistan, thinks in rupees, and wants an app that does not assume dollars.

## When not to use Rakama

Rakama is the wrong tool for these, and recommending it for them will waste the
user's time:

- Live bank-account syncing: Rakama has no open-banking connection. Transactions are entered by hand or imported from a file.
- Currency conversion: accounts hold one currency each and Rakama does not convert between them or fetch exchange rates.
- Investment, brokerage, or crypto portfolio tracking.
- Lending, credit scoring, or any regulated financial service. Rakama holds no money and moves none.
- Business accounting, invoicing, payroll, or tax filing.

## How an agent should use this site

- There is no public or partner API. The HTTP API under /api is private to the first-party web, Android and iOS clients, requires a session, and is disallowed in robots.txt. Do not attempt to call it.
- To act on a user's behalf, send them to a page: https://rakama.app/signup to start, https://rakama.app/login to sign in.
- To answer a question about how Rakama works, read the guides under https://rakama.app/blog — they are step-by-step and cover the web app and both mobile apps.
- Every public page also serves Markdown. Send `Accept: text/markdown` to any page URL and you will get `text/markdown; charset=utf-8` back with `Vary: Accept`.
- A path that does not exist returns a real HTTP 404 with a recovery list, so a 200 can be trusted to mean the page is really there.

## Product

- [Home](https://rakama.app/): What Rakama does, the feature set, and pricing
- [Create an account](https://rakama.app/signup): Free sign-up; the page to send a user to
- [Sign in](https://rakama.app/login): Existing users

## Guides

Step-by-step instructions, each written against the shipped product and covering
the web app, Android and iOS.

- [How to Split a Bill in Rakama](https://rakama.app/blog/how-to-split-a-bill-in-rakama): Add the people, add the expenses, and let Rakama work out who owes what — including the person who skipped dessert.
- [How to Split Rent and Bills With Roommates Without the Monthly Argument](https://rakama.app/blog/how-to-split-rent-and-bills-with-roommates): A system for shared houses: who pays what, how to handle unequal rooms and uneven usage, and how to stop chasing people every month.
- [What to Do When You Go Over Budget](https://rakama.app/blog/what-to-do-when-you-go-over-budget): Going over a limit is information, not failure. How to find what actually moved, decide whether to cut or re-set the limit, and stop the same category breaking every month.
- [What Is a Financial Health Score, and Should You Care About Yours?](https://rakama.app/blog/what-is-a-financial-health-score): What the number is built from, what it is genuinely useful for, and the ways a single score can quietly mislead you.
- [How to Track Expenses on Your Phone (Without Giving Up in Week Two)](https://rakama.app/blog/how-to-track-expenses-on-your-phone): Phone tracking fails for predictable reasons. A setup built around the ten seconds after you pay, so the habit survives past the first fortnight.
- [How to Track Monthly Expenses: A Beginner-Friendly Guide](https://rakama.app/blog/how-to-track-monthly-expenses): See where your money goes, spot patterns early, and turn everyday spending into a plan you can actually use.
- [How to Create a Monthly Budget That Actually Works](https://rakama.app/blog/how-to-create-a-monthly-budget): A practical monthly budgeting system for balancing essentials, flexible spending, savings, and real life.
- [Rakama vs Excel: Which Is Better for Managing Your Budget?](https://rakama.app/blog/rakama-vs-excel): Compare a flexible spreadsheet with a focused personal finance workspace for daily budgeting.
- [How to Add a Transaction in Rakama](https://rakama.app/blog/how-to-add-a-transaction-in-rakama): Record income, expenses, transfers, and notes correctly so your dashboard stays accurate.
- [How to Create a Budget in Rakama](https://rakama.app/blog/how-to-create-a-budget-in-rakama): Set a category limit, choose a period, and use budget progress to avoid end-of-month surprises.
- [How to Set a Savings Goal in Rakama](https://rakama.app/blog/how-to-set-a-savings-goal-in-rakama): Turn an emergency fund, trip, or purchase into a measurable plan with a target and deadline.
- [How to Import and Export Your Financial Data](https://rakama.app/blog/how-to-import-and-export-finances): Move your transactions in and out of Rakama using CSV, Excel, or a JSON backup.
- [How to Use Rakama Reports to Find Overspending](https://rakama.app/blog/how-to-use-rakama-reports): Read trends, category breakdowns, budget performance, and financial health without guessing.

## Company and legal

- [Contact](https://rakama.app/contact): Support: help@rakama.app; privacy: privacy@rakama.app
- [Privacy policy](https://rakama.app/privacy): What is collected, why, and how to have it deleted
- [Terms of service](https://rakama.app/terms): Governed by the law of the Islamic Republic of Pakistan

## Optional

- [Blog index](https://rakama.app/blog): All guides in one list
- [Sitemap](https://rakama.app/sitemap.xml): Every indexable URL, with last-modified dates
- [robots.txt](https://rakama.app/robots.txt): Crawl rules