Know where your money goes.
ExpenseTio is the simple expense tracker and budget planner that works on your phone, even without internet or an account.
Free to start · Your data stays on your phone until you choose to back it up
Welcome back,
September 2026
Current Balance
$3,420.50
Income
+$4,200.00
Expenses
-$779.50
Recent Transactions
Whole Foods
Groceries · Today
Metro Card
Transport · Today
Salary Deposit
Income · Yesterday
Blue Bottle Coffee
Dining · Yesterday
Works offline
No internet needed
Start without account
Zero registration friction
Private by design
No ads, never sold
Sync across devices
Optional seamless cloud sync
Up and running in a minute
Expense tracking shouldn't feel like paperwork. Start instantly and stay in control without the friction.
Open the app and start
No sign-up forms, no phone numbers, no email verification. Launch the app and you are already in.
Add expenses in seconds
Tap +, enter the amount, pick a category. Quick enough to log at the counter.
See the full picture
Budgets, category breakdowns, and reports calculate in real time. Never wonder where your money went.
Everything you need to stay in control
Carefully designed tools without the overwhelming complexity of legacy software.
Smart budgets
Set monthly, weekly, or yearly category limits. Optional rollover ensures leftover funds carry over smoothly to the next cycle.
Multiple accounts
Separate cash, bank accounts, credit cards, and savings stash with ease. Move money between them with transfers.
Recurring transactions
Automatically log repeated expenses like rent, subscriptions, gym memberships, utility bills, and monthly salary.
Clear reports
Understand spending trends at a glance. Visual breakdown charts and timelines make patterns crystal clear without confusing math.
Receipts and notes
Attach a photo of a receipt (with a free account) and add notes to any transaction, for tax time or just to remember.
Export your data
You hold the keys. Export your complete transaction history to a CSV spreadsheet whenever you want. No lock-in, ever.
Optional free account to back up and sync your phones.
Saved on this phone
Last saved: 1 minute ago
Built to work anywhere
Many finance apps need an internet connection and an account just to record a coffee. ExpenseTio keeps your data on your phone first.
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Add and edit transactions with no signal — they sync automatically when you are back online.
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Try the full app without creating an account.
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Create a free account whenever you want and everything you entered moves to it seamlessly.
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Your data is yours: export or delete it anytime.
Why people switch to ExpenseTio
A calmer alternative to cluttered personal finance apps.
Fully usable offline
ExpenseTio works anywhere on earth, in basements or flights.
Start instantly without sign-up
Download, open, and record your first expense in moments.
Clean calm design with no clutter
Focused strictly on helping you budget and understand spending.
$1,620.00
Biometric Lock active
Face ID / Touch ID
Unlock with your face or fingerprint
Easy on the eyes, uncompromising on privacy
Light and dark themes, and an optional biometric lock to keep your numbers private.
Light and dark modes
Follows your phone's appearance, or pick light or dark yourself, in a calm palette that is easy on the eyes.
Biometric protection
Instant biometric lock support via Face ID and Fingerprint sensors. Keep curious eyes away from your numbers.
Encrypted connection to your account
When you back up to an account, your data travels over an encrypted connection and each account can only reach its own data.
Frequently Asked Questions
Clear, honest answers about ExpenseTio.
Is ExpenseTio free?
Yes, ExpenseTio is free to start. You can use the app without an account, and creating an account to back up your data is free too.
Do I need an account?
No. You can download the app and start tracking immediately. An account is optional: create one when you want to back up your data, sync it across devices, or attach receipts.
Does it work offline?
Yes. Entries, budgets and categories are saved on your phone first, so you can keep adding and editing without a connection. If you have an account, your changes sync automatically when you are back online.
Is my data safe?
Your data lives on your device, and with an account it is backed up over an encrypted connection and only you can access it. We do not sell your data or show ads. You can export or delete it at any time.
Can I export my data?
Yes, anytime. You can export your complete transaction history to a CSV spreadsheet in seconds. You are never locked in and can take your data wherever you need.
Take control of your money today
Made for iPhone and Android. No sign-up required to get started.