02 · Activity 01 / 03
Lunch, logged in two taps.
Amount, category, done. Tags, notes and a receipt photo when you want them. No signal? It saves on your phone and syncs later.
WhatLunch
Amount₹180
FoodTravelBills+ tag
Saved · 6 Nov, 1:42 pmMoney workspace · In development
Know where it went.Know what’s safe to spend.
Track spending, plan to payday and split shared bills, in one workspace that never confuses money you have with money you’ve planned.
- Amounts kept in paise
- Splits rounded on the server
- Web · iOS · Android
- English · हिन्दी
01 · Today
One numberyou can trust today.
Balances minus what’s already promised. Rent, cards and bills come out before you see what’s left. Until your balances are reconciled, Expensia says Not ready yet instead of guessing.
Today · 6 Nov
₹12,480
Not ready yet · reconcile balances
safe to spend until payday · 20 Nov
Coming up
- Rent−₹18,0007 Nov
- Phone−₹59910 Nov
- Electricity−₹1,10112 Nov
- Card payment−₹6,42015 Nov
₹38,600 in accounts
The idea
Most money apps blur two different things: the cash in your account, and the plans you’ve made for it. Expensia keeps them apart, so the number you see is the number you can actually spend.
02 / 03
Statements, previewed first.
Map your bank’s columns on the web, or paste a statement on your phone. Check every row, then import. Nothing posts until you say so.
date,description,debit 04/11,SWIGGY*ORDER 8812,412.00 04/11,UPI-RAHUL K,1200.00 05/11,BESCOM ELEC,1101.00 05/11,UBER TRIP,249.00 06/11,NETFLIX.COM,649.00
DateMerchantAmountCategory
4 NovSwiggy₹412Food
4 NovRahul K₹1,200Transfer
5 NovBESCOM₹1,101Bills
5 NovUber₹249Travel
6 NovNetflix₹649Subscriptions
5 rows · 4 matched by merchant rulesImport 5
03 / 03
Fix it once.It remembers.
Move one wrong category. A merchant rule suggests the same fix for repeats and shows why. Preview a bulk fix, and undo it if it’s wrong.
2 NovSwiggy₹386Shopping Food
28 OctSwiggy₹298Food
21 OctSwiggy₹540Food
14 OctSwiggy₹212Food
Rule suggested · 3 matchesReview
03 · Plan
See the low pointbefore you hit it.
A dated forecast from your balances, bills and budgets. Test a purchase without spending a rupee.
In accounts₹38,600
Holiday goal · planned₹1,000
Short by ₹5,855 on 19 Nov. Waiting until payday on 20 Nov keeps you positive.
Scenario only. Nothing is posted.
View daily values
| Date | Balance (no purchase) |
|---|---|
| 6 Nov | ₹38,600 |
| 7 Nov | ₹19,805 |
| 8 Nov | ₹19,010 |
| 9 Nov | ₹18,215 |
| 10 Nov | ₹16,821 |
| 11 Nov | ₹16,026 |
| 12 Nov | ₹14,130 |
| 13 Nov | ₹13,335 |
| 14 Nov | ₹12,540 |
| 15 Nov | ₹5,325 |
| 16 Nov | ₹4,530 |
| 17 Nov | ₹3,735 |
| 18 Nov | ₹2,940 |
| 19 Nov | ₹2,145 |
- Debts, EMIs & BNPLPrincipal, interest and fees kept apart. See what an extra payment changes.
- Subscriptions & renewalsA repeat charge becomes a bill only after you confirm it.
- Travel moneyForeign wallets, at the rate you actually paid, fees included.
Planning money doesn’t create money.
04 · Groups
Split dinnerto the paisa.
A group for the flat, the trip or tonight’s dinner. Invite people by email or a code, and everyone can add and fix expenses. Split equally, exactly, by percentage or by weight. When you pay someone back, they accept it and the balance clears. Expensia never moves the money.
Amounts are stored in paise. Splits round on the server, so every device shows the same figure.
₹101.00Alex paid
Alex’s share₹50.50
Your share₹50.50
You owe Alex ₹50.50
05 · Everywhere
Same amounts.Every screen.
Web, iPhone and Android share one backend, so a correction on one device means the same thing on all of them. Light or dark, English or हिन्दी, coral, teal or amber.
- Web
- iOS
- Android
- Light
06 · Who it’s for
Built for tight monthsand shared costs.
01 · Student · Shared flat
Quick entry. Fair shares.
Log the ₹120 chai, split the ₹2,350 groceries, see who’s square.
Shared expenses
02 · First job
Rent, cards and savings, together.
See what’s left after rent and the card bill, before the month surprises you.
Today
03 · Household
One record both of you understand.
Shared bills, clear payers, settlements you can look back on.
Shared expenses
04 · Irregular income
Know your lowest day first.
Forecast the dip before deciding on a purchase.
Plan · Forecast07 · Roadmap
What works today.What’s coming next.
Dashed means planned, the same as in the app.
Now
- Accounts, transfers & reconciliation
- Budgets, goals, bills & subscriptions
- Dated forecast & purchase scenarios
- Groups with invited members, splits & settlements
- Statement import, merchant rules & bulk fixes
- Debts, EMIs & travel money
- Receipt photos, offline entries, English & हिन्दी
Next · In progress
- Bank connections, with your consent
- Receipt scanning (reads the receipt for you)
- Spending coach (opt-in)
- Net worth & investments
FAQ
Straight answers,before you sign up.
Expensia is still being built. Here’s exactly what that means for you.
Read the privacy note →Can I use Expensia today?
Not yet. It’s in development. The web app and the iOS and Android apps run on one shared backend in our current build. Join the waitlist and we’ll email you once, when early access opens.
Does it connect to my bank?
Not yet. Today you add transactions by hand or import a CSV statement, which you preview and map column by column before anything is posted. Live bank connections are planned, not built.
What does “safe to spend” mean?
Your recorded balances minus what’s already promised before payday: rent, card payments and bills. If your opening balance is unknown, Expensia shows an estimate and labels it as one.
If I put ₹1,000 toward a goal, does it move?
No. Allocating money to a goal changes your plan, not your bank balance. The money only leaves your account when you actually spend or transfer it.
Does Expensia move money when we settle a split?
No. It records who paid, who owes and when it was settled. You pay each other however you normally do.
How much will it cost?
There’s a free plan, and free stays free. Paid plans only raise limits, such as entries a month, people in a group and receipt storage. Prices aren’t final yet; the waitlist hears first.
Which languages does it speak?
English and Hindi today, with amounts and dates in your local format.
Does it work offline?
Yes, on your phone. New entries and fixes are saved securely on the device and sync when you’re back online.
Can I keep receipts?
Yes. Attach a photo to any transaction. Expensia stores a private copy and strips the photo’s hidden location and camera details.
What happens to my email?
We use it to tell you when early access opens. We don’t sell or share it.
08 · Early access
Your next rupeedeserves a plan.
One email when early access opens. No spam, unsubscribe anytime.