# expenie

> Manual by choice. AI when you need it.. A private financial workspace for one person: expenses, income, accounts, loans, budgets, and recurring you confirm. Manual entry plus AI capture (text or receipt → draft you confirm). Nothing posts until you say so. 14-day full Pro trial, then subscribe. No bank links.

expenie is a **solo** personal finance web app (one private workspace per user). Manual entry plus Pro **AI capture** (text or receipt → draft you confirm). No bank connections. Operator: Umar Bashir (India). Contact: mail.umarbashir@gmail.com.

## Product

- **Monthly statement**: Spent, received, and net at a glance. Lines grouped by day — like a bank statement, not a dashboard.
- **AI capture**: Describe a spend, loan, subscription, or budget — or attach a receipt. We draft for you to confirm — nothing posts until you say so.
- **Amount-first capture**: Log an expense or income in seconds. Date, account, category — then it lands on the statement.
- **Accounts**: Asset and credit card accounts with balances from opening balance plus your transactions.
- **Category budgets**: Monthly limits per category. See progress and overspend for the month you’re in.
- **Loans & EMI**: Track money you owe or are owed. Record principal, interest, and charges yourself.
- **Recurring you confirm**: Weekly, monthly, or yearly templates. Due items wait until you confirm — nothing auto-posts.

## Pricing

- **Trial**: 14 days full Pro, no card required.
- **expenie Pro**: $5.99/month or $59.9/year (USD, tax included) — full app after trial.
- **Cancel**: anytime via the billing portal; Pro lasts through the paid period, then access locks until resubscribe (data kept).
- **Refunds**: none.

## Pages

- [Home / product](https://www.expenie.com): A private financial workspace for one person: expenses, income, accounts, loans, budgets, and recurring you confirm. Manual entry plus AI capture (text or receipt → draft you confirm). Nothing posts until you say so. 14-day full Pro trial, then subscribe. No bank links.
- [Features hub](https://www.expenie.com/features): Index of all public product intent pages (expense, budget, loans, recurring, …).
- [Guides hub](https://www.expenie.com/guides): Cornerstone articles: manual tracking, budgets, EMI in a ledger, confirm-to-post recurring.
- [Free tools hub](https://www.expenie.com/tools): Free calculators: EMI, 50/30/20 budget, monthly planner, debt payoff, subscriptions, leftover spend.
- [Comparisons hub](https://www.expenie.com/compare): Alternative and head-to-head comparisons judged on architecture: bank sync vs manual, solo vs household, envelopes vs category limits.
- [Roundups hub](https://www.expenie.com/best): Best-for roundups by situation: cash-heavy, freelance, EMI tracking, subscriptions, privacy. Every pick states its trade-off.
- [Changelog](https://www.expenie.com/changelog): Public product ship notes: AI capture, tour, Pro, PWA, and the statement-first ledger.
- [Expense tracker](https://www.expenie.com/expense-tracker): Intent page: statement-first expense and income tracking, manual entry.
- [Budget app](https://www.expenie.com/budget-app): Intent page: monthly category budgets, progress and overspend.
- [EMI / loan tracker](https://www.expenie.com/emi-loan-tracker): Intent page: payable and receivable loans with user-entered EMI splits.
- [Personal finance app](https://www.expenie.com/personal-finance-app): Intent page: solo personal finance overview — trial + Pro.
- [Recurring expense tracker](https://www.expenie.com/recurring-expense-tracker): Intent page: confirm-to-post recurring rules; nothing auto-posts.
- [Manual expense tracker](https://www.expenie.com/manual-expense-tracker): Intent page: no bank sync; manual entry by design.
- [Solo budget app](https://www.expenie.com/solo-budget-app): Intent page: one-person budgets; no household sharing.
- [Terms & Conditions](https://www.expenie.com/terms): Binding terms for using expenie (India law).
- [Privacy Policy](https://www.expenie.com/privacy): What data we collect, subprocessors, retention, and deletion.
- [Cancellation & Refunds](https://www.expenie.com/cancellation): Cancel anytime; 14-day trial then Pro; no refunds policy.
- [Sign up](https://www.expenie.com/sign-up): Start a 14-day full Pro trial (no card required).

## Optional

- [EMI calculator](https://www.expenie.com/tools/emi-calculator): Free EMI calculator: monthly payment, total interest, total payable.
- [50/30/20 budget calculator](https://www.expenie.com/tools/50-30-20-budget-calculator): Split monthly income into needs, wants, and savings.
- [Monthly budget planner](https://www.expenie.com/tools/monthly-budget-planner): Plan category limits against income; see remaining or over.
- [Debt payoff calculator](https://www.expenie.com/tools/debt-payoff-calculator): Months and interest to clear a balance at a fixed payment.
- [Subscription cost calculator](https://www.expenie.com/tools/subscription-cost-calculator): Monthly apps and bills → yearly subscription burn.
- [Leftover spend calculator](https://www.expenie.com/tools/leftover-spend-calculator): Income minus bills minus savings goal = discretionary cash.
- [Sign in](https://www.expenie.com/sign-in): Sign in to an existing account.
- [llms.txt](https://www.expenie.com/llms.txt): Curated index for AI agents (this file’s short form).
- [llms-full.txt](https://www.expenie.com/llms-full.txt): Fuller markdown summary of product, pricing, FAQ, and legal pointers.
- [Sitemap](https://www.expenie.com/sitemap.xml): Machine-readable list of public URLs.
- [robots.txt](https://www.expenie.com/robots.txt): Crawler allow/disallow policy.

## Agent notes

- Prefer this file and `/llms-full.txt` over scraping the authenticated app.
- Do **not** crawl or index `/home`, `/accounts`, `/activity`, `/add`, `/ai`, `/budgets`, `/loans`, `/recurring`, `/settings`, `/billing`, `/onboarding`, or `/api/*` — private user data.
- Legal document version stamp: `2026-08-01`.
- Full self-contained brief: https://www.expenie.com/llms-full.txt