Expenso: AI Expense Tracker

Expenso is a fast, private AI expense tracker and money manager built for how people actually pay - multiple bank accounts, credit cards, UPI and cash. A daily expense tracker, budget planner and credit card manager in one app.

SPEAK IT, IT'S SAVED
Say "had tea from the corner cafe, 30 rupees, SBI" - in Malayalam, Hindi, Tamil, Telugu, Kannada or English - and Expenso fills in the amount, account and category for you. A voice expense tracker that understands how you actually talk. AI mode is optional, off by default, and runs on your own free Gemini key.

TWO TAPS, NO TYPING
A built-in calculator keypad, auto-categories that learn your merchants, and one-tap repeat for the spends you make every day. Logging a chai takes about three seconds.

CATCH SPENDS AS THEY HAPPEN
Turn on notification capture and Expenso reads your bank's spend alerts on the phone itself, then offers them to you as one-tap entries. The text never leaves your device. A UPI expense tracker that keeps up with you instead of asking you to remember.

BUILT FOR CREDIT CARDS
Track every card's billing cycle, credit limit and outstanding balance. Reward milestones with live progress - "spend 5,000 more this cycle for the voucher". Annual-fee waiver tracking, so you know exactly how much more spending skips the fee. Bill reminders before the due date, not after.

TRIPS AND FESTIVALS
Tag spends to a holiday, wedding or festival without losing their category - dinner in Goa stays Food and gains Goa. Set a trip budget and watch what's left, live, in your notification shade.

SEE WHERE IT WENT
Monthly insights by category and subcategory. Biggest spends. Six-month trend. A calendar heat-view of daily spending. Budgets per category with overspend alerts. Full-text search and hashtags. Everything an expense tracker should show you without a subscription.

ALSO INSIDE
- Bank and card issuer picker with 60+ Indian banks, bundled offline
- Loans and EMI tracking with payoff progress
- Savings, chit funds and fixed deposits
- Transfers between your own accounts
- Income, refunds and balance corrections
- Home-screen widget and a quiet spend summary in your notification shade

YOUR DATA STAYS YOURS
No account. No sign-in. No ads. Your amounts, merchants and accounts are stored on your phone and are never uploaded. An offline expense tracker in the real sense: it works with aeroplane mode on.

One-tap CSV export, automatic weekly backups to Downloads, and erase-all with a final safety backup. Your money, your phone.

The only thing Expenso collects is anonymous usage counts - which screens get opened, so the app can improve - and you can switch that off in Settings. AI mode is off by default; when you turn it on, only what you submit goes to Google's Gemini using your own key.

Free. No subscription. Nothing to sign up for.