A simple guide to ExpenseTio
From your first expense to your first budget report in a few minutes.
Get started in seconds
Open the app and choose 'Continue without an account' or create a free account. Pick your primary currency, and configure your first cash, bank, or card account with an initial starting balance.
- No mandatory email, password, or verification codes
- Your currency shown correctly, symbol before or after the amount
- Separate Cash, Checking, Savings, and Credit cards
Add your first expense
Tap the prominent + button at the bottom navigation bar. Type the amount with your phone's keyboard, assign a category like Dining or Groceries, select the paying account, and tap Save. Income and transfers work the exact same way.
- See your balance after the transaction before you save
- Pick the category and account in a tap
- Add an expense in just a few taps
Set a budget that keeps you honest
Choose a specific spending category or set an overall monthly, weekly, or yearly limit. Choose the alert level (80% by default) and watch the progress ring track your pace day by day, with optional rollover of unspent money.
- Category envelopes or one unified overall monthly cap
- Near-limit warnings before you go over
- Configurable rollover options for unspent surpluses
Automate repeating payments
Eliminate repetitive manual typing for fixed regular overhead. Create recurring rules for your apartment rent, utility bills, music streaming, and paychecks so they record automatically right on time.
- Daily, weekly, monthly or yearly schedules
- Quick pause and resume switches for paused subscriptions
- A next payment card for upcoming bills
Understand your spending patterns
Open the Stats and Analytics tab for intuitive category breakdowns, cash flow comparisons, and lifestyle trends. Effortlessly toggle between week, month, and year to see where every dollar went without accounting jargon.
- Spending breakdown by category and a trend over time
- Net cash flow: income versus expenses
- Compare with the previous period
Back up and go anywhere
Create an optional free account to back up your data and sync it across your phones. Export your entire transaction history to a clean CSV spreadsheet anytime.
- Sync across your iPhone and Android devices
- Instant one-tap spreadsheet export with no lock-in
- Delete your data and account in the app whenever you want
Get the most out of ExpenseTio
Thoughtful everyday habits to keep your finances clear and effortless.
Smart Search & Multi-Filters
Quickly find any transaction by title or note, then filter by type, date range, category, account or amount.
Receipt Photo Attachments
Attach a photo of a receipt to any transaction for tax season ease (free account needed).
Biometric lock
Lock the app behind Face ID, Touch ID, or fingerprint lock for absolute confidentiality when handing your phone around.
100% Offline by Default
Add expenses anywhere on flights, remote hikes, subways, or abroad without waiting for spotty cell reception.
Common questions about getting started
Find quick answers or explore our full documentation in the FAQ.
Do I really not need an email or phone number to start?
Yes. You can use 100% of core budgeting and tracking features completely locally on your phone without ever providing an email, phone number, or name.
Can I take my data with me?
Yes. Export your transactions to a CSV spreadsheet at any time. Importing from other apps is not supported at the moment.
How does the offline mode sync when I go back online?
All changes are saved on your phone first. When you are back online and signed in, they upload automatically. If the same item was changed on two devices, the most recent change wins.
Is my financial data encrypted?
Your sign-in token is kept in your phone's secure storage, and data you back up travels over an encrypted connection. Your biometric data never leaves your device.
Take control of your money today
Made for iPhone and Android. No sign-up required to get started.