Personal finance app for one person

In short

What is this?

expenie is a solo personal finance web app. 14-day full Pro trial (no card): AI capture, recurring, unlimited room. Then Pro at $5.99/month or $59.90/year USD (tax included). Cancel anytime; Pro lasts through the paid period.

What you get

Built into the same workspace

• One ledger

  Expenses, income, transfers, accounts, budgets, loans, recurring — aimed at a readable month.

• AI capture (Pro)

  Text or a receipt becomes a draft. You confirm before anything hits the statement.

• Manual on purpose

  No bank aggregator. You decide what is true in the books.

• Clear Free and Pro

  expenie Pro is $5.99/month or $59.90/year USD, tax included. Cancel anytime. Free stays free with caps.

How it works

Three steps

1. 01

   Start free

   No card for the 14-day full Pro trial. Then subscribe to continue.

2. 02

   Build a rhythm

   Capture through the month — by hand or with Pro AI. Use budgets and loans when they help.

3. 03

   Confirm, don't auto-post

   On Pro, AI drafts and recurring dues wait for you. Nothing posts until you say so.

FAQ

Common questions

Related

More ways in

• Expense tracker
• Manual entry
• Budget app
• Loans & EMI
• 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.
• GuideAI expense drafts you still confirmAI can cut typing. It shouldn't cut review. Draft from text or a receipt, edit if needed, then confirm — or skip.
• 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.
• CompareMonarch Money alternative: when you are budgeting aloneMonarch's strengths are collaboration and aggregation. If you are one person who does not want a bank feed, most of what you pay for goes unused.
• 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.
• CompareMoney Manager app alternative you can open on any deviceMobile-first ledgers are excellent at fast capture and awkward everywhere else. A web app trades some of that speed for a month you can actually read.
• 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 EMI and loan paymentsMost budget apps treat a loan as a monthly expense. That loses the remaining principal, the payment split, and what the debt costs you from here.
• CalculatorEMI calculatorPrincipal, annual rate, and months → monthly EMI, total interest, and total payable.
• CalculatorSavings goal calculatorGoal amount, starting balance, timeline, and interest rate → the monthly amount you need to set aside.
• CalculatorCompound interest calculatorStarting balance plus a monthly contribution, compounded monthly, over any number of years.
• CalculatorEmergency fund calculatorMonthly fixed costs and months of cover → target, shortfall, and how long to get there.