01
Core feature
Smart Insights & AI coach
Weekly recaps, anomaly alerts and a chat coach that answers “where can I cut back?” — computed on your phone.
End-to-end encrypted(01) — The private money app
Money that answers to no one but you.
A private, end-to-end encrypted money tracker with an on-device AI coach that actually understands your spending — and never phones home.
4.9· 12k+ ratings · no ads, ever
9:41
Insights
Your money, understood
This week
Spent ₹8,240 — 18% above your average. Dining is the main driver.
For you
Dining up 18%₹3,120
this week · tap to see why
Unusual charge₹1,299
to CloudSync — first time
Save ₹2,400/mo
3 unused subscriptions
Ask about your money…
Home
Insights
Cards
Coach
Every rupee you spend tells a story. Expensa reads it on your device — so the only one who learns from it is you.
Zero-knowledge encryption✦On-device AI✦No ads, ever✦You hold the keys✦DPDP & GDPR ready✦Zero-knowledge encryption✦On-device AI✦No ads, ever✦You hold the keys✦DPDP & GDPR ready✦
(02) — Features
A tracker that thinks like a money coach.
Eight features that turn raw transactions into decisions — every one private by default.
01
(03) — In motion
Everything, at a glance.
Your real balance, a safe-to-spend number and today's activity — the moment you open the app.
Live balanceSafe-to-spendToday's activity
On-device AIEncrypted
9:41
R
Good evening
Hi, Raj R
Safe to spend today
₹840
after bills, goals & buffer
Spent · June
₹42,600
Income
₹78,000
Recent
S−₹276
Swiggy
Food · today
U−₹184
Uber
Transport · today
₹+₹78,000
Salary
Income · Jun 1
Home
Insights
Cards
Coach
9:41
Insights
Your money, understood
This week
Spent ₹8,240 — 18% above your average. Dining is the main driver.
For you
Dining up 18%₹3,120
this week · tap to see why
Unusual charge₹1,299
to CloudSync — first time
Save ₹2,400/mo
3 unused subscriptions
Ask about your money…
Home
Insights
Cards
Coach
9:41
Subscriptions
7 active · 3 flagged
Monthly recurring
₹4,196
Yearly
₹50,352
Next 7d
₹1,048
Unused
₹2,400
Upcoming renewals
N
Netflix
Renews Jun 28
₹649
Active
S
Spotify
Renews Jun 30
₹119
Unused
G
Gym Pass
Renews Jul 5
₹1,499
Unused
Home
Insights
Cards
Coach
9:41
Forecast
June · 8 days left
Safe to spend today
₹840
after bills, goals & buffer
Projected balance to Jun 30
TodayRent −₹18kJun 30
End balance
₹6,320
Upcoming bills
₹22,400
Home
Insights
Cards
Coach
(04) — Try it
Take it for a spin.
The real interface — no download, no signup. Tap a prompt, or drive the phone yourself.
✦ No signupLive & interactive
9:41
R
Good evening
Hi, Raj R
Safe to spend today
₹840
after bills, goals & buffer
Spent · June
₹42,600
Income
₹78,000
1 new insight this week
Dining is up 18% — tap to see why
Recent
S−₹276
Swiggy
Food · today
U−₹184
Uber
Transport · today
₹+₹78,000
Salary
Income · Jun 1
Live preview · tap a prompt on the left, or drive the phone directly
(05) — The whole app
One app. Your whole money life.
Beyond tracking — groups, trips, savings, debts and a health score, all in one private place.
Financial health
0/100 · ▲5
Split & groups
ASM+2
+₹3,150
you're owed · 3 groups
Round-ups
₹0
auto-saved · +₹38 this week
Net worth▲ 4.2%
₹0
Trips & currencies🌴 Bali Trip · 5 days left
₹42,600spent of ₹70,000
Debts & loansDebt-free by Nov 2027
Home loan₹3,60,000
Credit card₹42,000
Savings streak
🔥 0 weeks
On average, members save ₹0/mo
That's ₹28,800 a year that quietly stays yours.
Zero-knowledge🔑 Your keys
9:41
Your money data, end-to-end encrypted
Encrypted on your device before it ever leaves. Only your keys can unlock it.
Encrypted on your device
Only your keys can read it
Not even we can see it
(06) — Security
Your money, nobody else's business.
Your data is encrypted on your phone before it syncs. We store only ciphertext — we couldn't read your finances if we wanted to.
Can the server read this?
Your transactions & balancesNo
Categories & notesNo
Your insights & AI answersNo
Anonymous crash logs (opt-in)Yes
0
AES encryption
0
trackers & ads
0
on-device AI
(07) — How it works
Three steps. That's it.
01
Set your keys
Create an encryption key and a 12-word recovery phrase. Unlock with Face ID from then on.
02
Add your money
Log expenses in seconds, scan receipts, and let Expensa auto-detect your subscriptions.
03
Let it coach you
Weekly recaps, safe-to-spend and a private AI coach do the thinking — you make the calls.
Take back your money.
Free to start. Private forever. Download Expensa or join the waitlist for the next release.
or join the waitlist