Track income and expenses, set smart budgets, and see exactly where your money goes — with charts, reports, and insights that actually make sense.
No credit card required
Income
£8,240
↑ +12% vs last month
Expenses
£3,510
↓ -4% vs last month
Spending overview · last 6 months
Salary — March
+£3,289.01
Tesco Groceries
−£54.30
Netflix
−£9.32
Dining Out
95% of budget used
Savings rate
57% this month
£0
Forever free
5 min
To get started
0
Bank credentials shared
100%
Your data, your control
Everything you need
From daily expenses to year-end reports, Expensio gives you complete control over your financial picture.
Log every penny. Search, filter by category or date, and always know exactly what you spent. Import hundreds of transactions from your bank CSV in seconds.
Learn moreSalary — March
Income
+£3,289.01
Tesco Groceries
Groceries
−£54.30
Netflix
Subscriptions
−£9.32
Freelance Payment
Income
+£450.00
Set monthly spending limits per category. Get warnings at 80% and alerts when you go over.
Learn moreBeautiful bar, line, and donut charts that show your income vs expenses over any time period.
Learn moreUpload your bank statement and import hundreds of transactions in seconds with automatic matching.
Learn moreInvite family members or roommates. Everyone sees the same budgets, transactions, and reports.
Learn moreSee your top spending categories, savings rate, and net balance trends on a clean dashboard.
Learn moreBuilt for everyone
Track your personal spending, set budgets per category, and finally understand where your money goes each month.
Share a joint account with your partner. Both see the same transactions and budgets in real time — no more surprises.
Create shared accounts for the whole household. Set budgets together and track progress with role-based access.
Separate income streams, track business expenses, and see your net balance at a glance. No accountant needed.
Getting started
Your bank credentials never leave your bank. No Open Banking, no account access — just import your CSV and go.
Sign up with your email in under 30 seconds. No credit card, no bank credentials required.
< 1 minute
Add transactions manually or import via your bank's CSV export. Your credentials never leave your bank — works with any bank, worldwide.
~ 5 minutes
Create category budgets and instantly see charts showing your income vs expenses over any time period.
Immediately
We never sell your data or spending habits. Read our privacy policy.
Your dashboard
A clean, powerful dashboard that shows you exactly what matters — income, expenses, budgets, and trends.
Total Income
£8,240
+12% vs last month
Total Expenses
£3,510
-4% vs last month
Net Balance
£4,730
This month
Savings Rate
57%
On track
Spending Overview
Last 6 monthsBudget Progress
Recent Transactions
View allSalary — March
Income · Today
+£3,289.01
Tesco Groceries
Groceries · Yesterday
-£54.30
Netflix
Subscriptions · 4 Mar
-£9.32
Freelance Payment
Income · 3 Mar
+£450.00
Shared finances
Create shared accounts for your family or household. Everyone sees the same transactions, budgets, and reports — with role-based permissions to keep things organised.
Invite members
Add family, partners, or roommates to shared accounts with one click.
Role-based access
Admins, members, and viewers — everyone gets the right level of control.
Shared budgets
Set budgets that everyone contributes to and track progress together.
Family Budget
3 members · 4 categories
Alex added a transaction — Tesco £54.30
2 min ago
Jordan updated the Dining Out budget
1 hour ago
Morgan imported 42 transactions via CSV
Yesterday
Simple pricing
FAQ
Free to use. Your bank credentials stay private. No Open Banking, no account access, no credit card.
No credit card required