Expense TrackerPWA

Take control of your money

100% OFFLINE • PRIVATE • SECURE

Your Money Data Never Leaves This Phone.

A simple and powerful expense tracker that works entirely offline. Your data stays on your device, always.

100% Offline

Your data never leaves your phone

Total Privacy

No sign up.
No cloud. Ever.

Smart Insights

Understand your spending better

Budget & Alerts

Stay on track with smart alerts

Get the AppSee How It Works
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Trusted by 2,500+ users4.8/5 from 120+ reviews ★★★★★
Expense Tracker app interfaceExpense Tracker app interface
Built with privacy-first approach No Cloud Sync No Tracking No Data Collection Just You & Your Data

See How It Works

From curious to in control in 60 seconds

No account. No cloud. No learning curve. Just four tiny steps — try them right here.

Step 1 · 0 seconds

Tap one link and you're in

There's no signup wall because there's no server to sign into. Your private ledger is created inside your own browser — instantly, offline-capable, invisible to us.

Open the App
Try It Live — FreeSee All Features

Your Data Stays Yours — Here's How

100% Local No Servers No Third Party No Encryption Needed

When you open the app, here's what happens: Your data goes from your fingers → to your phone's memory. That's it. Full stop. No server. No cloud. No third party. No "we encrypt your data" — because there's nothing to encrypt on our end. Just you and your phone. Your financial data is physically incapable of being hacked from our end, because we don't have it.

App Screenshots

Explore the complete expense tracking experience

Home Dashboard

Track daily expenses and income with smart filters

Home dashboard screen with expense tracking

Transaction List

Browse and manage all your expenses and income

Transaction list screen with expense entries

Quick Add Expense

Add transactions fast with smart categorization

Quick add expense form screen

Analytics Summary

Visual insights with charts and spending patterns

Analytics summary screen with charts

Accounts/Wallets

Organize and track multiple accounts and wallets

Accounts and wallets management screen

Budget Management

Set and track monthly budgets with progress indicators

Budget management screen with progress tracking

Expiry Tracking

Monitor product expiries with smart reminders

Expiry tracking screen with reminders

Shopping Lists

Organize purchases and convert to expenses

Shopping list screen with multi-select

Recurring Expenses

Automate regular transactions with schedules

Recurring expenses schedule screen

Dark Mode

Comfortable viewing with theme customization

Dark mode interface preview

Voice Recording

Record expenses hands-free with voice input

Voice recording expense entry interface

Why This Is Different

The problem with most finance apps

Other Finance Apps

  • Store your data on their servers (hackable)
  • Require email + password (phishable)
  • Sell anonymized spending data (profitable for them)
  • Need bank logins (risky)
  • Track your behavior (for ads)

Expense Tracker

  • Data stays on YOUR device only
  • Zero accounts — no login to steal
  • Zero data collection — nothing to sell
  • Zero bank connections — nothing to breach
  • Zero tracking — your spending is YOUR business
Start Tracking PrivatelyRead Our Privacy Policy

Security-First Features

Everything you need — nothing you don't

Every feature runs on YOUR device. Your data never leaves your phone.

Showing 14 of 14 tools

Privacy shield icon
Privacy

Your data never leaves your device

All financial data is stored in your browser's IndexedDB. No servers, no cloud sync, no accounts. Your expenses are physically incapable of being accessed by anyone but you.

Lock icon
Privacy

Zero accounts, zero risk

No email, no password, no credentials to steal. Open the app and start tracking instantly. There's nothing to phish because there's no login.

No tracking icon
Privacy

Zero tracking, zero analytics

No cookies, no behavioral tracking, no analytics scripts. Your spending patterns are your business, not ours. We literally can't see what you do.

Money tracking icon
Track

Expense calculator & unified money tracking

Use the built-in expense calculator to log income, expenses, and investments with quick editing, custom descriptions, and categories. Your numbers stay private on your device.

Date range filter icon
Track

Smart filtering and date range analysis

Filter records by type, category, search text, and date windows including custom ranges so you can review spending patterns and monthly trends faster.

Budget analytics icon
Plan

Budget management with visual analytics

View donut charts, monthly totals, budget progress, over-budget warnings, and copy budgets between months from one clean budget tracking workflow.

Recurring schedule icon
Plan

Automated recurring schedules and expiry tracking

Create recurring schedules for transactions and track product expiries with reminder timing and urgency views so important payments and household items are easier to manage.

Shopping cart icon
Plan

Smart shopping list with expense conversion

Capture purchase ideas, long-press to multi-select items, and convert one or many items into expenses when a planned purchase becomes a real transaction.

Data portability icon
Own

Professional data portability and backup

Premium users can import CSV backups, export data, and download report-style CSV files whenever needed. Your data remains yours forever with unlimited export capabilities.

Debit card icon
Own

Multi-account wallets with credit card management

Create separate accounts for cash, bank, and credit cards with unique balances and opening amounts. Credit cards include billing cycle tracking, spending limits, and payment history.

Debt tracking icon
Own

Full debt paid and owed tracking

Track both money you lend and borrow with complete payment history, outstanding balances, repayment progress, and full settlement tracking for every debt.

Receipt scan icon
Track

Receipt scanning with OCR and PDF viewer

Scan paper receipts using your camera with built-in OCR text extraction. Upload and view PDF receipts directly in the app.

Voice recording icon
Track

Voice-powered expense recording

Record expenses hands-free using voice input. Tap the microphone and speak your transaction details instead of typing.

App lock icon
Own

App lock with passcode and biometric unlock

Secure your financial data with a 4-digit passcode. Supports Face ID and fingerprint unlock on supported devices. Your data stays private even if someone else uses your phone.

Investments & Loans

Track your portfolio and loan repayments — all in one place

Monitor SIPs, gold, property investments and manage EMI schedules with automated tracking.

Investment growth icon

Investment portfolio tracking

Track gold, property, mutual funds, LIC, and custom investments with current value, returns, and linked transactions.

Loan management icon

Loan & EMI management

Track home, vehicle, and personal loans with EMI amounts, repayment progress, interest rates, and due dates.

Linked recurring schedules icon

Automated recurring link

Connect recurring schedules to investments or loans — repayments track themselves when transactions generate.

How Investment & Loan Tracking Works

Set up automated tracking for your investments and loans in five simple steps. Once linked, repayment counters update automatically — no manual editing needed.

1
Add an investment or loanEnter details like amount, interest rate, and EMI schedule.
2
Create a recurring scheduleSet up automatic transaction generation for SIPs or EMI payments.
3
Link them togetherConnect the recurring schedule to your investment or loan entry.
4
Auto-update on generationRepayment counters update automatically when transactions generate.
5
Review progress at a glanceSee paid vs remaining, total returns, and upcoming payments from one dashboard.
Get Started

How Loan Calculations Work

Every loan entry generates a full amortization schedule using the standard reducing balance method. Here's the math behind your repayment tracking.

1
EMI calculationEMI = P x r x (1+r)^n / ((1+r)^n - 1) where P is principal, r is monthly rate, n is tenure in months.
2
Interest on remaining balanceEach month, interest is charged only on the outstanding balance — not the original loan amount.
3
Principal vs interest splitEarly EMIs are interest-heavy. Over time, more of each EMI goes toward reducing the principal.
4
Prepayment supportMake a prepayment to either reduce tenure (shorter loan) or reduce EMI (lower monthly payment).
5
Live remaining balanceTrack your exact outstanding principal, total interest paid, and months remaining at any time.
Try Loan Tracking

Built-in Expense Calculator — Your Numbers Stay Private

Our free expense calculator does the math for you. Every time you log a transaction, the app automatically recalculates your totals, category breakdowns, and budget progress. No separate calculator app needed. Your numbers never leave your device.

1
Auto-calculates total expensesSee your running total across all categories instantly.
2
Income vs spending comparisonKnow exactly how much you save each month.
3
Budget progress trackingThe expense calculator shows how much budget remains in each category.
4
Category-wise breakdownSee where your money goes with automatic category totals.
5
Monthly & custom date rangesCalculate spending for any period you choose.
6
CSV export with pre-calculated totalsDownload reports with all math already done.
Try the Private Expense Calculator

How Our Expense Calculator Works

Unlike traditional expense calculators that send your data to the cloud, our calculator runs entirely in your browser. Every calculation is instant, private, and happens on-device. No accounts needed, no waiting for server responses — just fast, accurate results you can trust.

1
Add any transactionEnter income or expense with a category like Food, Transport, or Rent.
2
Calculator runs automaticallyYour total, category breakdown, and budget update in real time.
3
Filter and analyzeUse date ranges and filters to calculate spending for any period.
4
Export reportsDownload pre-calculated CSV reports with all your data organized.
5
Track budgets in real timeWatch your budget progress update instantly as you log new expenses.
6
Review monthly summariesGet a clear picture of your income, expenses, and savings at a glance.
Open Private Expense Calculator

Pricing

Start free, upgrade when you need more

Free

For personal day-to-day tracking

  • Up to 40 entries
  • Advanced analytics included
  • Monthly budget and Recurring Expenses
  • Default categories
  • Summary, expiries, and shopping tabs
  • No account required
Use Free Plan

Premium

Unlimited usage and data portability

  • Unlimited entries
  • Custom categories
  • Import and export data
  • CSV backup and report download
Upgrade flow:

Pay via Razorpay link, then activate in app using unlock code or Razorpay Payment ID.

Customer Reviews

Loved by Thousands of Users

See what people are saying about taking control of their finances with our expense tracker.

A
@arjunmArjun M. · Freelance Designer

Finally, an expense tracker that respects my privacy. No sign-up, no data leaving my phone. The budgeting tools are exactly what I needed.

S
@sarahkSarah K. · Small Business Owner

I've tried every budgeting app out there. This one wins because it works offline, has no ads, and the recurring tracker saves me hours.

R
@rahulpRahul P. · Software Engineer

Investment and loan tracking surprisingly powerful for a free app. Expenses, EMIs and SIP returns — all in one place now.

K
@kavyasKavya S. · Teacher

The monthly budget warnings changed how I spend. I get a gentle nudge before I overshoot, not after. So simple, so effective.

V
@vikramrVikram R. · Startup Founder

CSV export is a game changer at tax time. One click and my accountant has everything. Clean, fast, no lock-in.

A
@ananyadAnanya D. · Doctor

12-hour shifts leave zero time for bookkeeping. Logging an expense takes 5 seconds. It just fits into my day.

J
@josephgJoseph G. · Delivery Partner

Works in low network areas without complaint. My fuel and daily earnings tracking finally stays consistent.

M
@meeralMeera L. · Marketing Manager

Switched from a subscription app and couldn't be happier. One-time upgrade, no recurring fees, and I own my data.

D
@davidtDavid T. · College Student

The expiry tracker alone is worth it. Fewer wasted groceries, real reminders, and I save money every month.

P
@priyanPriya N. · Accountant

Clean UI, fast PWA install, feels native. Recommended it to my whole family — the budget warnings keep us on track.

S
@snehavSneha V. · Homemaker

Finally I can see where the household money goes each month. Categories in my language of thinking. Very intuitive.

A
@adityanAditya N. · Sales Executive

Travel, food, fuel — I log everything between meetings. Offline-first means it never fails me on the road.

F
@farahqFarah Q. · Content Creator

It's an incredible piece of software. Dark mode is beautiful and everything just feels smooth and private.

N
@nikhilbNikhil B. · Engineer

Cross-platform with zero setup. Open the link and you are tracking. No account, no friction, no excuses.

Why Us

Why Choose Our Expense Tracker?

Built for people who value privacy, simplicity, and full control over their finances.

  • Complete data ownership — Your data stays on your device, never on our servers.
  • No sign-up required — Start tracking instantly with zero personal information.
  • Works offline, always — Full functionality without internet, anywhere, anytime.
  • Professional tools, free forever — Budgeting, analytics, and recurring expenses included.
  • Install as an app — Native PWA experience on any device, no app store needed.
Read Our Privacy Policy

Get Started in Seconds

1
Open the appNo registration, no email, no tracking
2
Add your first expenseData stays on your device
3
Set your budgetDefine monthly limits
4
Own your dataExport anytime, delete anytime
Track Privately NowSee Best Expense Trackers 2026

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Expense Calculator FAQ

Common questions about the expense tracker & calculator

What is Expense Tracker used for?

Expense Tracker helps you record daily expenses, track income, manage budgets, review summaries, maintain shopping lists, and keep recurring entries in one place.

Does this expense tracker work offline?

Yes. The app is built as a progressive web app and supports offline use after it has loaded.

Do I need to sign up before using the app?

No. You can open the expense tracker and start adding transactions immediately without creating an account.

Can I export or import my data?

Yes. Data portability features include import, export, and downloadable reports.

Does this app work as an expense calculator?

Yes. It automatically calculates totals, category breakdowns, income vs spending, budget progress, and savings so you never need to do manual math.

Is this a free expense calculator app?

Yes. All expense calculator features are free with no account required. Start tracking and calculating your spending instantly.

Is my financial data safe with this app?

Your data never leaves your device. We don't have servers storing your information, so there's nothing to hack. Your expenses live only in your browser's local storage.

Can you see my expenses or bank balance?

No. We have zero access to your data. There's no server, no account system, and no way for anyone — including us — to see what you enter.

What happens if I clear my browser data?

You'll lose your records. That's actually by design — it proves your data was never copied anywhere else. We recommend using the export feature regularly.