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Personal expense tracker · launching on Android

Know where your money goes.

Expeniqo brings the expenses you add, the receipts you scan and the payment alerts on your phone into one clear picture — with a monthly budget that shows what's left.

Get started See how it works
  • SMS tracking is optional
  • Receipt images aren't stored
  • No bank login needed

All in one place

Your spending is scattered. Your picture shouldn't be.

Some payments you type in. Some arrive as bank alerts. Some are on a paper receipt. Expeniqo brings them together, checks what's unclear with you, and shows you the result.

1Comes in

  • You add it Manual expenses in seconds
  • Bank & UPI alerts Optional SMS tracking on Android
  • Receipts Snap a photo or pick one
  • Email Purchase emails on the web Planned

2Gets understood

Expeniqo
  • Finds amount, merchant and date
  • Suggests a category
  • Skips SMS it has already imported

3You stay in control

  • Needs Review Not sure? It waits for you to confirm or ignore
  • Your expenses One list, grouped by month

4You see the picture

  • Monthly budget What's spent and what's left
  • Reports Where your money went, by category

Needs Review

Not every payment is obvious. You confirm what counts.

Bank alerts can be vague. When Expeniqo isn't sure about a payment, it doesn't guess — it waits in Needs Review, so uncertain payments never distort your totals.

  • Marked “Not sure” with the date and the SMS sender
  • Change the category before you confirm
  • Ignore anything that isn't a real expense
How SMS tracking works

Receipt scanning

Turn receipts into expenses.

Take a photo of a receipt. Expeniqo reads it and suggests the merchant, date, total and category. You check the details, save, and it becomes part of your spending picture.

Explore receipt scanning

Monthly budget

Know what's left before the month is over.

Set one monthly budget. Your Home screen shows what you've spent, how much is left, and when you've gone over — no spreadsheets.

  • Spent, remaining and budget at a glance
  • Clear over-budget state when spending passes the limit
  • Carries forward until you change it
Explore budgets

Reports

Turn transactions into understanding.

See money in, money spent and your net balance for any period — and exactly where your money went, category by category.

  • Any month, the last 3 or 6 months, or a custom range
  • Category breakdown with amounts and shares
  • Export to PDF when you need a copy
See reports

Mobile now, web next

Starts on your phone. More room is on the way.

Expeniqo is built for Android first — where your payment alerts and receipts are. A web experience with more space for transactions, review and reports is in development.

Android app Launching soon
Expeniqo on the web In development

Preview of a product in development. Features and layout may change before release.

Privacy & security

Built to be careful with your money data

Expense data is personal. These are the things Expeniqo does today — no badges, no vague promises.

  • Message text stays on your phone

    SMS are checked on your device. Only the details of a detected transaction are saved — never the message itself.

  • Receipts aren't stored

    Receipt images are processed in memory to suggest details, then discarded. You decide what gets saved.

  • HTTPS and secure sign-in storage

    The app talks to Expeniqo over HTTPS, and your sign-in token is kept in Android's secure storage.

  • Delete your account in the app

    Remove your account, expenses, budgets and preferences from Profile — and sign out on every device.

Learn about security and privacy

FAQ

Questions, answered

Straight answers about what Expeniqo does today.

What is Expeniqo?

Expeniqo is a personal expense tracker. You can add expenses yourself, scan receipts, and — if you choose — let the app pick up bank and payment alert SMS on your Android phone. Everything lands in one list, with a monthly budget and reports that show where your money went.

Expeniqo doesn't connect to your bank account, doesn't move money and doesn't give financial advice.

How does SMS tracking work?

SMS tracking is optional and only starts after you allow it. Expeniqo checks the SMS on your phone for bank and payment transaction alerts. Personal messages are ignored. For each transaction it finds, the amount, merchant, date, category and sender ID (for example VM-HDFCBK) are saved to your Expeniqo account, along with a one-way fingerprint that stops the same message being recorded twice.

The text of your messages is never uploaded or shared. Messages are checked while Expeniqo is open; alerts that arrive while it's closed are added the next time you open the app.

What is Needs Review?

Some payment messages are ambiguous. When Expeniqo isn't sure about one, it doesn't guess — the payment waits in Needs Review, marked “Not sure”. You can change the category and confirm it, or ignore it. Payments in Needs Review aren't counted in your totals until you confirm them.

How does receipt scanning work?

Take a photo of a receipt or choose one from your gallery. Expeniqo reads it and suggests the merchant, date, total and a category. You check the details, choose how you paid, and save — nothing is saved until you do. If a receipt can't be read, you can try again or enter it manually.

Where can I use Expeniqo?

Expeniqo is built for Android phones and is preparing for release on Google Play. A web experience is in development. We'll update this site when each one is available — we won't link to a download before it exists.

Can Expeniqo read my Gmail?

No. Email intelligence is being planned for the Expeniqo web experience. It isn't available today. If it's released, it will be a separate, explicit choice inside the product, and the permissions it needs will be clearly presented before you decide.

Signing in with Google does not give Expeniqo access to your email.

See where your money goes.

Bring the expenses you add, the receipts you scan and the payment alerts on your phone into one clear picture.

Get started See how it works

Expeniqo is launching on Android. A web experience is in development.