Track expenses, manage budgets, and gain insights with Expensio — the private, offline-first money tracker that logs your spending before you even open the app.
By downloading, you agree to our Terms & Privacy Policy.
Every time a debit, credit or UPI notification hits your phone, Expensio reads it on-device — pulling the amount, merchant and account automatically. Recognised accounts are logged instantly; everything else waits as a one-tap confirmation.
This one is Android-only. Apple doesn’t allow any app to read notifications or SMS, so on iPhone you capture a spend by voice or by asking Siri instead.
Rs.486.00 debited from a/c ••4821 to ZOMATO via UPI on 12-Jun. Not you? Call 18001234.
Every piece working together so you always know exactly where your money goes.
Stop typing. Expensio reads your bank & UPI notifications — pulling the amount, merchant and account for you. Recognised accounts post automatically; the rest are one tap. 100% on-device.
Android only. Apple doesn’t let any app read your notifications or SMS. On iPhone you add a spend by voice inside the app, or just ask Siri — no typing either way.
Just say it — "paid 480 for groceries at DMart on the ICICI card". Expensio hears the amount, merchant, category and account, and drops the entry in ready to confirm. No typing, no menus.
Both platforms. Tap the mic on Android; on iPhone say "Log an expense in Expensio" and Siri takes it from the lock screen, Spotlight or the Action button.
Track your real net worth across every bank account, cash wallet, UPI and credit card — not just one pile of expenses.
Follows your actual billing cycle — not the calendar month — with utilisation %, available credit and bill-due countdowns. Even scan a card with your camera to add it.
Split a credit-card purchase into an EMI plan and track every installment — paid, due and remaining — automatically.
Overall and per-category limits with alerts at 80% & 100%, smart suggestions and month-over-month comparisons — so you course-correct before overspending.
Spending trends, category breakdowns, fixed vs. variable, monthly summaries, savings goals and exportable PDF statements.
A built-in AI assistant that answers questions about your money — "How much did I spend on food this month?" — using your real data, privately.
Fully offline, no ads, no tracking, no selling data. Optional App Lock (fingerprint/face) and encrypted Google Drive backup you control. Card numbers & CVVs are never stored.
Track in ₹ and view in USD, EUR, GBP and more — every amount converted at live exchange rates.
See your balance and latest transactions at a glance — and log a spend in one tap — straight from your home screen, without even opening the app.
Android only for now. Widgets land on iPhone in a later release.
Long-press the Expensio icon on your home screen and go straight to Quick Add, Add Income or the voice capture — the spend is logged before the app has finished opening.
Android only for now. On iPhone, Siri fills the same gap — ask it from the lock screen and you never touch the icon at all.
Swipe through the screens — pixel-faithful to the real app.
No spreadsheets, no friction. A clean, spacious interface puts the number that matters — what's left — front and centre. Adding a transaction takes one tap; most are added for you.
Fully native on each platform — instant cold starts and charts that animate at 60fps. On Android, two home-screen widgets and an app-icon shortcut let you log a spend without even opening the app; on iPhone, Siri does the same in a sentence.
Expensio is offline-first. There are no ads, no third-party trackers and no analytics SDKs. Your finances stay on your device, encrypted in an optional backup only you control on your own Google Drive.
Credit-card billing cycles, EMI plans, brand-level spending and month-over-month comparisons give you the full picture — not just a pile of receipts. You see patterns you'd otherwise miss.
Credit-card utilisation alerts, EMI tracking and clean monthly statements keep you ahead of every bill — turning tracking into lasting habits and, eventually, real savings.
Tailored with zero cloud vulnerability. Expensio is engineered offline-first by default, ensuring your transaction & bank credentials never leave your physical device.
No data packets ever cross the physical radio.Zero centralized servers. Locked via client-side keys.
> [INITIALIZED] Sandboxed SQLite core interface.
> Parsing ICICI / HDFC local inbox messages…
> STATUS: 100% On-Device storage locked. zero network outbound logged.
> [E2EE GENERATED] AES-256 client master password hash created.
> Authenticating to Private Google Drive application folder via OAuth…
> STATUS: Databases synced safely. Encrypted blocks written securely!
Real numbers from a privacy-first app in its early days.
Premium-grade tools in a free app — budgets, cards, EMIs, AI & more
100% perfect score across all 4 organic reviews
Built in lightweight native code; starts instantly
Stored in physical device memory; zero cloud trackers
A steady drumbeat of features, polish and fixes.
A peek at the roadmap we're building toward.
Track personal loans and borrowings — principal, interest, EMI due dates and repayment progress — separate from your everyday accounts and cards.
Estimate your tax liability, track deductions and tax-saving investments, and stay ready for filing season with a clear year-round summary.
Keep freelance or small-business income and expenses in a dedicated profile, separate from personal finances, with its own reports.
Industry-standard AES-256 cloud backup sync across multiple devices without sacrificing physical privacy.
The full tracker on iOS, with Siri quick add built in — say "log an expense in Expensio" and it’s recorded. Widgets, icon shortcuts and the web app follow after launch.
Tell us what to build next.
Request a feature →"Excellent app for daily expense tracking. It makes logging transactions so friction free that I'm actually sticking to the habit this time. Seeing my monthly expenses neatly organized is a game changer for my budget."
"One of the best budget planner apps I've tried. The reports and expense summaries are very helpful for understanding monthly spending. Highly recommended for students and professionals."
"Excellent expense tracker with a clean interface and useful features. Adding expenses is fast, and the reports help me understand where my money goes. Great app for daily expense tracking and savings management."
"Expensio is simple, clean, and super easy to use. It helped me track my daily expenses effortlessly and stay organized with my spending. Highly recommended for anyone looking to manage their finances better! It's fully free with all pro features."
"Expensio app works like my guide to spending management. I can better understand where my most unwanted, day-to-day expenses are going, plus it gives me a great overall view of my finances. I am now in better control. Thanks to its makers."
"Fast, reliable, and easy to understand. One of the best expense tracker apps I've used."
"It is a good app to track daily expenses."
"What makes Expensio stand out from other expense tracker apps is that it isn't just another app for manually adding expenses — it actually helps users manage money intelligently. The feature I liked the most is the automatic SMS transaction detection. Instead of entering every expense manually, the app can detect eligible bank transaction messages and convert them into expense records, which saves a lot of time."
On Android, with your permission, Expensio reads incoming bank and UPI notifications on your device, extracts the amount, merchant and account, and logs the transaction. Recognised accounts are captured automatically; anything ambiguous waits as a one-tap confirmation. The parsing happens entirely on your phone — nothing is ever uploaded.
On iPhone this isn’t possible — Apple doesn’t let any app read notifications or SMS. Instead you add a spend by voice in the app or by asking Siri, which takes about as long as reading the notification would.
Expensio is on Android today, and lands on iPhone in September 2026. Everything core is identical on both — accounts, credit-card cycles, EMIs, budgets, insights, backups and offline-first privacy.
Two things differ at iOS launch. Automatic capture from bank notifications is Android-only, because Apple doesn’t permit it — iPhone users add a spend by voice or via Siri. Home-screen widgets and app-icon shortcuts are also Android-only for now, and follow on iOS in a later release.
Yes. Expensio is offline-first with no ads and no third-party trackers. Your data lives in a local database on your device, protected by an optional biometric App Lock. Backups go only to your own Google Drive, and full card numbers and CVVs are never stored.
Completely. Every core feature — tracking, budgets, analytics, cards and EMIs — works fully offline. An internet connection is only needed for optional extras like Google Drive backup and live currency rates.
Yes — the core experience is free, including expense & income tracking, budgets and App Lock. Expensio Pro unlocks unlimited accounts & cards, advanced statistics, PDF statements, custom categories and Expensio AI, with a free trial.
Absolutely. Auto and manual backups sync to your own Google Drive, and you can export your full history to CSV or JSON at any time. You own your data, always.
Take control of every rupee — privately, beautifully, automatically.