Expense tracker that reads like a statement

In short

What is this?

expenie is a manual-first expense tracker with no bank link. You log expenses, income, and transfers. On Pro, AI capture turns text or a receipt into drafts you confirm. Home shows a monthly statement. 14-day full Pro trial includes AI capture; subscribe after to continue.

What you get

Built into the same workspace

• Amount first

  Type the amount, then account and category. Expense, income, or transfer — no import to wait on.

• AI capture (Pro)

  Describe a spend or attach a receipt. Review the draft, then post — never silent imports.

• Monthly statement

  Spent, received, and net. Lines grouped by day. Like a bank statement, not a KPI wall.

• Your categories

  Flat labels for expenses and income. No deep folder trees. Same labels feed budgets.

How it works

Three steps

1. 01

   Open a workspace

   Pick one currency. Add a first account. Nothing is shared with a household or advisor.

2. 02

   Record a line

   Expense or income by hand — or draft with AI on Pro. Transfers move money between your accounts.

3. 03

   Read the month

   Open Home. Add budgets or loans when you need them — not as day-one homework.

FAQ

Common questions

Related

More ways in

• Manual entry
• Budget app
• Recurring
• Personal finance
• All features

Go deeper

Guides, comparisons, and calculators

• GuideExpense tracker without bank: keep the books yoursHow to track expenses without linking a bank — manual entry by design, cash that still counts, and AI that only drafts until you confirm.
• GuideMonthly category budget that stays honestSet a calendar-month limit on one category. Progress follows expenses you accepted — not a silent bank feed recategorizing the month.
• GuideTrack EMI in a ledger — not only a calculatorCalculators estimate next month's payment. A loan ledger records what you paid and how much principal is left — in the same books as your expenses.
• GuideConfirm-to-post recurring expensesA recurring rule is a schedule and a template — not a silent charge. Confirm to post; skip to advance; budgets only move when you say so.
• CompareMint alternative: what to use now that it is goneMint set the expectation that budgeting means connecting your bank. Its shutdown is a good moment to ask whether that was ever what you wanted.
• CompareYNAB alternative: when zero-based budgeting is more than you needYNAB is a method with software attached. If the method fits you, nothing replaces it. If the monthly ritual is why you stopped, something lighter may last longer.
• CompareCopilot Money alternative that runs anywhereCopilot's design and platform integration are genuinely good. Its constraints are the Apple ecosystem and a bank-sync model that cannot see cash.
• ComparePocketGuard alternative: past the single spendable numberPocketGuard answers one question well — what is safe to spend right now. It is deliberately not built to tell you where the money went.
• Best forBest expense tracker without a bank connectionSome apps are manual by design. Others make you enter things by hand until you pay for sync. The difference matters more than the feature list.
• Best forBest expense tracker for cash spendingNo bank feed can see what a $200 withdrawal became. If cash is a real part of your spending, that is the only criterion that matters.
• Best forBest expense tracker for freelancersMost budgeting apps assume a fixed monthly salary. Freelance tracking needs a floor-based budget, a business split, and somewhere to hold receivables.
• Best forBest app to track money you have lentBill-splitting apps need everyone to participate. A receivable in your own ledger needs nothing from the other person at all.
• CalculatorMonthly budget plannerPlan category limits against monthly income and see what is left — or how far over you are.
• CalculatorSubscription cost calculatorList monthly subscriptions and see the yearly burn — before renewals stack up.
• CalculatorHow much can I spend?Income − fixed bills − savings goal = discretionary leftover for the month.
• CalculatorCredit card minimum payment calculatorBalance, rate, and a percentage-of-balance minimum → how many years it actually takes.