The private expense organiser: encrypted, on-device, no account, no tracking.

Open Budgets → Accounts (or you'll be prompted the first time you add an entry). Add one account per real place your money sits — a bank account, a wallet of cash, a credit card. For each one, set:

What to fill in

1. Type — Bank, Cash, or Card. This only affects grouping in reports, not behaviour.
2. Opening balance — what's in it right now. For a credit card, enter the current balance owed as a negative number.
3. Monthly salary (optional, bank accounts only) — feeds the Dashboard's Budgeted/Savings/Unallocated split. Skip it if income is irregular; log it as entries instead.

You can add, rename, or delete accounts any time from the same screen — deleting an account keeps its historical entries in the Ledger, it just stops appearing as a destination for new ones.

ExpensO ships with eight expense categories and one income category already built for an Indian household — Housing, Food, Transport, Shopping, Entertainment, Health, Family & Education, and Debt & Investments — each with five ready-made sub-categories (Rent, EB bill, Fuel, Tuition, Loan EMIs, and so on).

Making it yours

1. Go to Settings → Category Manager.
2. Tap the pencil on any category or sub-category to rename it in place — your historical entries update to match automatically.
3. Need something that doesn't exist yet? You can add up to two of your own top-level categories (across expense and income combined), each with up to six sub-categories of your own.

Category ids are stable once created — renaming is instant and safe, but plan your two custom top-level slots deliberately, since they're the two you get.

Tap the + button from Dashboard or Ledger. Choose Expense or Income at the top — everything below adapts to that choice.

Step by step

1. Tap the amount field — a calculator sheet opens. Type the amount and confirm; the system keyboard is never used for money, so there's no risk of a stray decimal.
2. Pick a category. The list loads fully collapsed for a clean first look — tap a parent's chevron to expand it, or just start typing in Search to jump straight to a match, expanded or not.
3. Pick the account the money moved through.
4. If that category currently has more than one active budget (see Envelope budgets), you'll be asked which one this entry counts against — this is the only extra step, and only when it's genuinely ambiguous.
5. Optionally add a payee, a note, or a #tag (tags power the "Spending by tag" report — useful for a trip, a project, or anything reimbursable).
6. Save. The entry appears immediately in the Ledger and folds into every Dashboard number and report.

To edit or delete later: find the entry in the Ledger and use the pencil or trash icon on its row.

The Dashboard is deliberately the very first screen — everything on it is scoped to the current month.

What each number means

• Income / Spending / Net — total money in, total money out, and the difference. Tap any of the three for its exact value.
• Budgeted — the share of this month's income already covered by a budget cap somewhere. Not the same as spent — a category can be "budgeted" even before a rupee of it is spent.
• Savings — the share of income actually booked under a Savings-flagged category this month. Zero until you log something there — it will never show a number you haven't earned.
• Unallocated — the rest: income with no budget claim on it yet. Not a bad number — just an honest one.
• Where your money went — a donut of this month's spend by category. Tap any slice to see the exact amount, its share of total, and a button straight into the filtered entry list.

Three views of the same data, switched with the toggle at the top:

• Day — every entry on one specific date. Best for "what did I actually spend today."
• Month — a running list for the month, newest first. This is where you'll spend most of your time.
• Year — a twelve-row table, income and expense per month, for a year-at-a-glance view (and the source for the Net-worth and Monthly-trend reports).

Use the arrows either side of the date/month/year label to move back and forward — there's no limit on how far back you can browse.

Open Budgets and tap + Budget.

Step by step

1. Give it a name (optional — leave it blank and ExpensO falls back to the category's own name).
2. Applies to — pick a category, a sub-category, or "Overall (all spending)" for a single whole-wallet cap.
3. Set the monthly limit.
4. Roll unspent money into next month — turn this on for categories where under-spending should build up a cushion (an annual insurance premium you're saving toward, for instance).
5. Hard cap — turn this on to get warned before an entry would push you over the limit, rather than finding out after the fact.

A category can hold a parent-level budget and its own sub-category budgets at the same time — the sub-budgets nest visually underneath, and the Dashboard's "Budgeted" figure counts each rupee only once.

Every month is editable going forward, plus the current month and the two months before it — older months stay locked as a clean historical record. Use Copy previous month (top-right) to carry last month's limits forward as this month's explicit values in one tap.

Sometimes one category genuinely covers two things you want to track separately — bike petrol and car petrol are both "Fuel," but you'd like to know each on its own terms. ExpensO's answer: create two budgets on the same category.

How it behaves

1. Create the first budget as usual — name it something specific, like "Bike petrol" — applied to the Fuel category.
2. Create a second budget, also applied to Fuel, named "Car petrol."
3. From now on, every new entry under Fuel asks which of the two it belongs to.
4. Each envelope paces independently — its own progress bar, its own remaining amount, its own rollover and hard-cap settings.

Entries logged before the second envelope existed (or from an older version of the app) aren't forced to guess — their spend is split between the envelopes in proportion to each one's limit, so historical totals still add up correctly.

Open Reports and choose a period at the top (This month, Last month, Last 3/6 months, This year, or a custom range). Every card below updates to that period.

The nine report types

• Cash flow — a Sankey diagram: every income source flowing in on the left, every category flowing out on the right, with the surplus flowing to "Unaccounted."
• Where your money went — a treemap, area sized by spend, for a shape-based read on the month.
• Spending by category — a ranked, numbered list, biggest first.
• Monthly trend — income vs. spending as a line, over the last six months.
• Top merchants — who you paid the most, by payee name.
• Spending by tag — only the entries you tagged, grouped by tag — perfect for isolating a trip or a project.
• Spending by account — which account the money actually came out of.
• Budget vs. actual — limit against spent, for every budget, side by side.
• Daily heatmap, Recurring vs. one-off, and Net-worth trend round out the set for anyone who wants to go further.

Tap "Fullscreen" on the Cash flow or treemap card to pinch-zoom — both are built to be read on a real screen, not squinted at in a small card.

Open Savings → Add a savings goal.

1. Name the goal — "Sweet Home," "Car," "Emergency fund," whatever it actually is.
2. Set a target amount and a target date.
3. ExpensO shows the amount saved so far, the percentage complete, and the days remaining — recalculated every time you open the screen.

A goal doesn't move money on its own — pair it with a budget under a Savings-flagged category (or your own custom "Savings" category) so the amount you actually log there is what counts toward it, and toward the Dashboard's Savings% figure.

Open Settings → Appearance.

• Theme — Classic (the original teal Material look), Vault Aurora (dark, brass accents), Daylight Frost (bright, frosted white), or Ledger Ink (cool paper, oxblood, editorial serif). Switch any time — nothing about your data changes.
• Display size — scales text and spacing app-wide, independent of your phone's own system text size.

Under Settings → Security: turn on Biometric app lock to require your fingerprint, face, or device PIN every time ExpensO opens. Your data is encrypted on-device either way — this adds a lock on the door on top of that. Financial screens are also screenshot-blocked by default, so they never appear in your recent-apps thumbnail or in an accidental screenshot.