Needs50%
The essentials
Rent, groceries, utilities, transport — the non-negotiables. Expensei keeps these steady so the rest of the month can breathe.
- Rent
- Groceries
- Utilities
- Transport
Budget · Expenses · Savings
See your money clearly.
A budget-first expense tracker built around Needs, Wants, and Savings — so you always know where the month is going.
Available on iPhone & Android · Free to start
May 2026
Hey, Mia
Left this month
On track$1,248.40
of $3,200 planned · 12 days to go
Needs$992/$1,600
Wants$460/$960
Savings$528/$640
Recent
See all
Rent
RecurringMay 1 · Needs
−$1,250
Groceries
Today · Needs
−$42.80
Emergency fund
Auto · Savings
+$120.00
Morning coffee
Yesterday · Wants
−$5.40
Home
Expenses
Bills
Goals
Fast entry
Log an expense in seconds
Works offline
Syncs when you're back online
No bank login
You stay in control of your data
50/30/20
Needs, Wants, and Savings
The 50 / 30 / 20 system
Three pillars. One honest view of your month.
Instead of endless categories, Expensei groups every expense into Needs, Wants, or Savings. You always know where the month stands — without spreadsheets.
Wants30%
The good life
Coffee, dinners, streaming, the occasional treat. Spend guilt-free — as long as Wants stay in their lane.
- Dining
- Coffee
- Streaming
- Shopping
Savings20%
Future you
Emergency fund, a trip to Kyoto, a new laptop. Savings aren't leftovers — they're a line item, funded first.
- Emergency fund
- Travel
- Investing
- Goals
Free plan uses the classic 50 / 30 / 20 split. Premium unlocks custom splits tuned to your life.
How it works
A calmer way to run your month.
Three simple loops — track, plan, adjust — wired into one product you actually want to open.
Track expenses fast
Capture spending in seconds — not after the fact.
A single-tap entry, smart categories, and a keypad built for money. Logging an expense feels as quick as sending a text.
- Quick-add from anywhere in the app
- Pillar assignment at a glance
- Offline-first — syncs when you're back
May 2026
Hey, Mia
Left this month
On track$1,248.40
of $3,200 planned · 12 days to go
Needs$992/$1,600
Wants$460/$960
Savings$528/$640
Recent
See all
Rent
RecurringMay 1 · Needs
−$1,250
Groceries
Today · Needs
−$42.80
Emergency fund
Auto · Savings
+$120.00
Morning coffee
Yesterday · Wants
−$5.40
Home
Expenses
Bills
Goals
Stay on top of bills
Recurring bills as a first-class plan, not a surprise.
Rent, utilities, subscriptions — set them once and Expensei projects them across every month. See what's paid, what's due, and what's coming.
- Clear monthly schedule
- Smart forecasts for the full month
- Pressure gauge before anything surprises you
Recurring
Monthly bills
Due this month
May$1,684.00
$1,080 paid$604 left
Schedule
May · 7 bills
Rent
May 1 · Paid
$1,250 Paid
Internet
May 3 · Paid
$68 Paid
Electric
May 14 · Due in 3 days
$94Due
Phone
May 18
$42Upcoming
Gym
May 22
$35Upcoming
Understand and save
Insights you can act on. Goals you'll actually hit.
Calm, readable summaries of where your money went — and how it's moving toward the things you're saving for. No hype, no scolding.
- KPI-style monthly trends
- Savings goals with honest progress
- Reflection tones, not alarms
Savings
Your goals
Saved this year
$4,860
+$528 in May · ahead of plan
Active goals
NewEmergency fund
12 months · on track
$3,200 savedof $6,000
Japan trip
Aug 2026
$1,120 savedof $3,500
New laptop
Sep 2026
$540 savedof $1,800
The monthly loop
Every month, the same calm rhythm.
Expensei is built around a five-step monthly loop. Nothing revolutionary — just a clear, repeatable way to stay in control.
- 01
Set your plan
Start the month with your Needs, Wants, and Savings in place.
- 02
Add bills
Recurring expenses get projected across the whole month.
- 03
Track spending
Log expenses fast and watch pillars update in real time.
- 04
Adjust with insights
Calm KPIs show trends and where to tune your plan.
- 05
Save toward a goal
Every month moves a real goal forward — not just a balance.
Savings
Your goals
Saved this year
$4,860
+$528 in May · ahead of plan
Active goals
NewEmergency fund
12 months · on track
$3,200 savedof $6,000
Japan trip
Aug 2026
$1,120 savedof $3,500
New laptop
Sep 2026
$540 savedof $1,800
Goals & planning
More than a tracker — a quiet plan for what’s next.
Emergency funds, a trip, a new laptop, a down payment. Expensei turns vague intentions into a monthly rhythm you can see and trust.
Real targets, not vibes
Every goal has an amount, a date, and a monthly contribution so progress is visible, not imagined.
Planned across months
See how this month's Savings feeds next quarter — your plan stays coherent past the first week.
Saved first, not last
Savings is a line item in your plan, not what happens to be left over. Future you gets funded on purpose.
Questions
The short, honest answers.
Does Expensei connect to my bank?
No. Expensei is budget-first and manual by design. You log expenses in seconds, and your data stays in your hands — not shared with an aggregator.
Can I customize the 50 / 30 / 20 split?
The free plan uses the classic 50 / 30 / 20 as a calm starting point. Premium unlocks custom splits so you can tune the mix to your life.
Does it work offline?
Yes. Expensei is offline-first. Add expenses on the subway or a plane — everything syncs cleanly when you're back online.
Is it just for individuals?
Couples and small households use Expensei too. Shared recurring bills, joint goals, and a shared monthly view stay coherent without extra tools.
Which currencies are supported?
Expensei ships JPY-friendly by default and formats for multiple currencies. Pick your currency in setup.
Get Expensei
Start the month with clarity.
Free to start. No bank login. No noise. Just a calm, budget-first way to run your month.
Learn more first