Expensio: Expense Tracker

Expensio is a beautifully designed personal finance tracker built for Indian users — fast, private, and offline-first. Manage your daily spending, monitor credit card bills, set budgets, and back up safely to your own Google Drive.

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KEY FEATURES
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💳 MULTI-ACCOUNT & MULTI-CARD
• Track up to 3 bank accounts and up to 5 credit cards
• Tap any account or card to filter the entire screen — income, expense, transactions, and spending trend update instantly for that one card or bank
• Auto-routed SMS transactions land on the right account using the last-4 digits

💰 SMART TRANSACTION ENTRY
• Quick Add for Expense, Income, or Refund/Cashback
• Brand picker for popular Indian brands — Zepto, Blinkit, Swiggy, Zomato, Amazon, Flipkart, Myntra, Ola, Uber, Netflix, Spotify and more
• Each brand auto-fills the name + the right category
• Tap on any transaction to edit, swipe to delete

📲 SMS AUTO-CAPTURE
• Automatically detects bank & UPI transaction notifications
• Supports HDFC, ICICI, SBI, Axis, Kotak, PNB, BoB, Amex, Yes Bank, IndusInd, IDFC, Federal, Canara, Union, IDBI, Paytm, PhonePe, Google Pay, CRED
• Review and accept detected transactions one tap at a time
• 100% on-device — no notification data ever leaves your phone

📊 CREDIT CARD TRACKING
• Live billing-cycle view per card with Available + Limit
• Per-card transactions filtered to the current cycle
• Bill countdown banner with colour-coded urgency
• "Mark as Paid" tracker that auto-resets each cycle
• Credit Card Usage screen with cycle-by-cycle breakdown and a donut chart

🎯 BUDGETS
• Set an overall monthly budget plus per-category limits
• Visual progress bars: Green / Orange / Red
• Get notified before you overshoot

📈 INSIGHTS
• Day, Week, Month, Quarter, Year, or Custom date ranges
• Total expense + comparison to previous period
• Category donut, daily activity bars, Fixed vs Variable split

☁️ GOOGLE DRIVE BACKUP
• Sign in with Google — your data auto-syncs to a private "Expensio" folder in your own Drive
• Backup is silent: no toasts, no interruptions, no duplicate files
• Drive folder is only visible to Expensio (drive.file scope) — the app cannot read your other Drive files
• Restore is manual and explicit: pick a backup from a list, confirm, then restore
• Reinstall the app, sign in with the same Google account, and restore your data in seconds

📂 CSV EXPORT
• Export all transactions to CSV for Excel or Google Sheets

🏠 HOME SCREEN WIDGETS
• Expensio Stats widget — monthly balance, income, expense, today's spend at a glance
• Quick Add widget — jump straight to adding a transaction

🌙 PERSONALISATION
• Dark mode + light mode
• Indian currency formatting (₹ with Indian comma grouping)
• Customisable notifications and default payment method

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PRIVACY-FIRST
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• 100% offline — every transaction lives in an encrypted local database on your device
• No analytics SDKs, no ad networks, no behavioural tracking
• Expensio does NOT store full card numbers, CVVs, expiry dates, bank account numbers, login credentials, UPI PINs, Aadhaar, PAN, or any government ID
• Permissions are optional and minimal: Notification access (only for SMS auto-capture), Camera (only for card scanning), Storage (only for CSV export), Google Drive (only for
backup)
• The brand list inside the picker is a static catalogue bundled with the app — Expensio is not affiliated with, endorsed by, or operated on behalf of any listed brand

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Expensio is a tracking and budgeting tool. It is NOT a banking app, payment processor, or financial advisor.

Made in India. Built for India.

Have feedback? support.expensio@gmail.com