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Early access · Android and iOS
Track every rupee, keep your cards and EMIs in check, and share costs with your partner, friends or family without the awkward maths. Join the waitlist and we’ll email you a testing link.
Fourteen seconds on why we built XPNSE. Turn the sound on.
Calm personal tracking, and shared money that stays friendly. Every screen below is the real app.
See every feature in detail →Log in seconds
Tap +, pick a quick amount and a category, and you’re done. Penny reacts as your month fills up.
Penny, your money buddy
Penny’s mood follows your budget: relaxed when you’re ahead, a gentle nudge when spending runs fast.
Budgets that look after you
Set a monthly budget per category. XPNSE turns what’s left into a daily allowance and tells you before you overshoot.
Cards, banks & EMIs
Name your own cards and bank accounts and give each a purpose, like Household, Travel or Salary. XPNSE tracks the rest.
Circles
Make a circle for your partner, your friends or your family, as many as you need. Everyone adds shared costs; your personal spending stays yours.
“Who paid for dinner? Did I send you the rent?” (the awkward money talk)
Sorted in a circle. Everyone sees the same numbers.
Insights & forecast
Clear charts of your month, plus a look ahead so a low balance never surprises you.
Goals
A trip, a laptop, an emergency fund. Watch each goal fill up and hit its milestones.
Bills, subscriptions & lent / borrowed
Keep recurring bills and subscriptions in one list with reminders, and track money you lent or borrowed outside your circles.
Made for India, open to everyone
Use XPNSE in English, हिन्दी or తెలుగు, in any of 30 currencies.
Comfort & accessibility
Small things that make a money app easier to live with.
Privacy & security
Your data is yours. Here is exactly how XPNSE keeps it that way.
Your own transactions, budgets, cards and goals are readable only by your account. Circle members see only the shared expenses and payments in that circle, plus your name and the UPI ID you choose to share.
We don’t show ads and we don’t sell or rent your data to anyone.
Synced data travels over TLS (HTTPS) to Google Firebase (Google Cloud), which encrypts it at rest. Strict security rules decide who can read each record.
Export your data any time. Delete your account in the app and your records are erased; shared circle expenses stay with the circle so everyone else’s balances stay right.
Use XPNSE without an account and your data never leaves your device. Add an app lock if you like.
No bank logins, no SMS access, no learning curve.
Leave your email and pick Android or iPhone. We’ll send you a testing link when it’s ready.
Pick your language and currency, add your cards and accounts if you like, and meet Penny.
Add spends in seconds, set budgets, and let Penny tell you how the month is going.
Start a circle with your partner, friends or family, split costs and settle up.
Everything in XPNSE is free during early access. If that ever changes, we’ll tell you well before it does.
₹0
XPNSE is in early access now, with no public launch date yet. Join the waitlist and we’ll email you a testing link (Google Play testing for Android, TestFlight for iPhone) as soon as there’s a spot for you, plus news when it launches.
Android phones and iPhones. Pick yours when you join the waitlist, so we send the right testing link.
Yes. Everything is free during early access. If that ever changes, we’ll tell you well in advance.
No. XPNSE never asks for SMS access and never asks for bank or card logins. You add spends yourself, which takes a few seconds. For cards, you only ever enter a name and, if you like, the last 4 digits.
A circle only sees the expenses and payments you add to that circle. Your personal transactions, budgets, cards and goals are readable only by your account, enforced by our database security rules. People join a circle only when its admin approves them.
If you sign in, your data syncs to Google Firebase (Cloud Firestore), sent over HTTPS and encrypted at rest. In guest mode it stays on your phone only. We don’t sell data or show ads.
In the app: Settings → Delete account erases your account and records. To leave the waitlist, use the unsubscribe link in any email or write to privacy@xpnse.app.
English, हिन्दी (Hindi) and తెలుగు (Telugu), with 30 currencies and Indian digit grouping for rupees.
Yes. Add and edit anything offline; it syncs automatically when you’re back online.
Still have questions?
Get in touchEarly access · Android and iOS
Be first to try XPNSE. We’ll email you a testing link for your phone, then launch news. No spam, no ads, free during early access.