Expense Tracker: Budget No Ads

THE ONLY COMPLETELY FREE EXPENSE TRACKER - NO ADS, NO ACCOUNT, NO SUBSCRIPTION, EVER.

Expense Tracker is a beautifully crafted offline expense tracker and budget app that logs your spending FOR you: with your permission, it reads your bank and mobile money SMS on your phone and turns them into transactions automatically, so your books stay up to date without typing. Your money data stays on your device. Always. No ads, no account, no subscription, no cloud sync you never wanted.

AUTOMATIC EXPENSE LOGGING FROM SMS (ANDROID)
The heart of Expense Tracker: let your phone do the typing. The app reads incoming bank SMS and mobile money notifications - MTN MoMo, Telecel Cash, AirtelTigo, Ecobank, GCB, Fidelity, Absa, Stanbic, ECG, DSTV, Netflix, Spotify and more - and turns them into expense and income entries automatically. Routed to the right cashbook. Deduplicated across SMS and app notifications. Held in a Review Queue when the parser isn't sure. Parsing happens 100% on your phone: your messages are never uploaded, and you can pause or turn it off anytime.

YOUR DATA, YOUR CONTROL
• 100% offline - nothing leaves your phone
• No account, no sign-up, no email required
• No ads, no tracking, no analytics SDKs
• Backup and restore from a file you keep
• Export any cashbook as CSV any time you want

MULTIPLE CASHBOOKS - ONE APP, EVERY AREA OF YOUR LIFE
Most expense tracker and budget apps lock you into a single wallet. Expense Tracker gives you separate cashbooks for personal spending, side hustles, a small business, savings goals - anything you want to keep apart. Each cashbook has its own currency, categories, and running balance. A real cashbook app, not a single-budget tool with a "tag" workaround.

FIVE CURRENCIES, NO COMPROMISES
GHS, NGN, USD, EUR and GBP - each cashbook holds its own, and you can change a cashbook's currency any time. Built for freelancers, migrants, students, and small businesses managing money across more than one currency. The Ghana budget app and the Naira (₦) expense tracker that the big finance apps still don't take seriously.

SMART DASHBOARD
Your complete financial picture in one screen. Net balance, income vs expense, weekly growth, top categories, recent activity - all grouped by currency, all animated, all clean.

BUDGETS THAT ACTUALLY WORK
Set weekly or monthly limits per category. A gentle nudge appears the moment you cross a limit - no popups, no nag screens. See exactly where you overspend with category breakdowns and donut charts.

RECURRING TRANSACTIONS
Salary, rent, subscriptions, recurring bills - set them once and they log themselves on schedule. A genuine recurring expense tracker built into the app, not a buried add-on.

DEBT TRACKER - TO THE PENNY
Track what you owe and what you're owed. Per-person, per-currency, with full partial-payment history. A simple debt tracker between friends, family, and clients - no awkward conversations, no missed paybacks.

BANK-LEVEL SECURITY
Your PIN is encrypted inside your device's secure enclave. Biometric unlock uses fingerprint or Face ID through the system API - your biometric never leaves your phone. The app locks automatically when you switch away.

REMINDERS THAT ACTUALLY MAKE YOU SMILE
Daily reminders in a rotating mix of tones - funny, motivational, gentle, and serious. Always a nudge to keep your money story up to date.

LIGHT, DARK, OR AUTOMATIC THEME
Easy on the eyes, day and night.

PERFECT FOR
• MoMo and bank users who want every transaction captured automatically
• Freelancers tracking income across currencies
• Small business owners running multiple cashbooks
• Couples and families splitting expenses
• Privacy-focused users who refuse to hand their money data to a cloud finance app

DOWNLOAD EXPENSE TRACKER TODAY
Turn money management into a habit you'll actually enjoy. Free forever. No credit card, no account, no surprises.