The iPhone expense tracker that fills itself in
Apple Pay payments log themselves, your voice handles the rest, and AI builds the budget. All without a bank login.
- No bank login
- iCloud sync
- 150+ currencies
- No sign-up
Seven things Expensa does for you.
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Logs every Apple Pay payment on its own.
Set up one Shortcut and every tap in Wallet sends the amount, merchant and date to Expensa. Works with Apple Card and any card you've added to Wallet. Setup guide
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Suggests where each payment belongs.
Categories come from your own history, so the longer you use Expensa, the fewer taps it takes. Confirm with one tap or pick another.
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Takes expenses by voice.
“Netflix nine dollars every month, groceries 150, coffee three days ago” becomes three entries, one of them recurring. You review everything before it's saved.
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Keeps your budget honest.
Monthly, weekly or your own cycle. A limit for every category, a forecast from your own history and a warning before you overspend.
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Builds your first budget with AI.
Tell Expensa your total and AI splits it across categories using your region and your habits. Every number stays editable.
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Shares spaces with your family.
Personal, household, business, trips. Invite your partner or family to a space and it syncs through iCloud, with no extra accounts.
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Speaks 150+ currencies.
Live exchange rates, and every transaction keeps its original amount, the converted amount and that day's rate.
A budget app that never asks for your bank login.
Most finance apps want your bank login so an aggregator can read your account. Expensa never asks for it. Your financial data lives on your iPhone and in your own iCloud. Why it's built this way
No bank login
No Plaid, no aggregators, no credentials to leak.
iCloud only
Sync runs on your Apple ID. There's no Expensa account or server.
No sign-up
No email, no password. Open the app and start.
AI only when you ask
Optional AI features send the minimum they need, never your history.
Loved on the App Store
Real reviews from Expensa users around the world.
I tried literally every expense tracker on both iOS and Android in the past 10 years. This is by far the best one.
It's perfect for those who constantly forget to log their expenses. There's no registration required, and it syncs with Apple Pay, which in my opinion is much better than linking a bank account directly.
Great for tracking my budget and daily expenses. It's simple, easy to use, and helps me clearly see where my money goes.
The automation with Commands, which extracts information from the Wallet when paying, is very helpful and saves time on entering data. The UI is amazing.
Very nice UI that makes my experience with the app more enjoyable (yes, even when I log my expenses). Everything is very clear and easy to use!
Highly recommend it to anyone looking for an effective way to track their expenses. Simple and looks great.
It's so intuitive to use and it helps a lot to manage my expenses. There is everything you need to track your balances and limits.
The interface is clean, fast, and super easy to use. Tracking my daily expenses became much simpler.
Does Expensa connect to my bank account?
No. Expensa never asks for your bank login and doesn't use Plaid or any other aggregator. Apple Pay payments arrive through a Shortcuts automation on your own iPhone; everything else you add by voice, by hand or from a file. Why Expensa works this way.
How does automatic Apple Pay tracking work?
You set up one Shortcut, once. When you pay with Apple Pay, Wallet passes the amount, merchant and date to Expensa, and the payment lands in your budget with a suggested category. It works with Apple Card and any card you've added to Wallet. Step-by-step setup guide.
Where is my data stored?
On your iPhone and in your own iCloud. There's no Expensa account and no Expensa server holding your transactions. Optional AI features send only the minimum they need, such as a merchant name, and never your transaction history. Privacy policy.
Is Expensa free?
Yes. The free plan includes 1 space, 2 accounts, 3 recurring transactions and 5 receipt scans. Premium unlocks unlimited spaces and accounts, AI categorization, category budgets, analytics, shared spaces and multi-currency entry.
Can Expensa track subscriptions and bills?
Yes. Add rent, salary or any subscription as a recurring transaction, daily, weekly, monthly or yearly, and see everything due this month. How to track subscriptions on iPhone.
Can I share a budget with my partner or family?
Yes. Invite them to a shared space and every change syncs in real time through iCloud. Nobody has to create an extra account. Shared spaces are part of Premium.
Does Expensa work with other currencies?
Yes, with 150+ currencies and live exchange rates. Each transaction keeps its original amount, the converted amount and that day's rate, so your reports stay accurate.
Can I bring my history from another app?
Yes. Import CSV, PDF or TXT files and export your data any time. How to export your Apple Pay history · Moving over from Mint.
Which iPhones does Expensa support?
Any iPhone running iOS 17 or later. A few features need iOS 18.