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Expensei

Budget · Expenses · Savings

See your month
in three colors.

Three pillars — Needs, Wants, Savings. Every penny lands in the right one, automatically.

No category micromanagement.

Download on the App StoreApp Store coming soonGet it on Google PlayGoogle Play coming soon
Free to startNo bank loginWorks offline

Live · April 2026

Income ¥500,000 · 50/30/20

  • Needs¥250,000
  • Wants¥150,000
  • Savings¥100,000

Budgeting you can
actually see.

Most apps make you track 10–15 categories. Expensei collapses everything into three visual pillars — every expense, every bill flows into exactly one of them, and the bars do the thinking for you.

NeedsEssentials

What you rely on

This month62%
  • Rent / housing
  • Groceries
  • Utilities
  • Transportation
  • Insurance
WantsLifestyle

Flexibility & joy

This month48%
  • Dining out
  • Subscriptions
  • Shopping
  • Travel
  • Entertainment
SavingsFuture

What you’re building

This month92%
  • Emergency fund
  • Travel goals
  • Investments
  • Big purchases

“Three pillars instead of fifteen categories. That’s why your budget always makes sense.”

Unified money view

One monthly
view. No blind spots.

Most apps separate bills and spending. Expensei combines daily expenses, recurring bills, and savings into one complete monthly picture.

  • Rent

    Recurring · ¥175,000

    Needs

  • Netflix

    Recurring · ¥1,490

    Wants

  • Groceries · Maruetsu

    Today · ¥4,820

    Needs

  • Emergency fund

    Monthly · ¥30,000

    Savings

Flexibility

Your life isn’t fixed.
Your budget
shouldn’t be either.

Move any category or recurring bill between Needs and Wants. The numbers across every screen recalculate instantly.

Edit category

Gym membership
Dining out
Travel
Childcare

↻ Budget recalculated automatically across every screen.

Savings & progress

Watch your
savings grow.

Savings accumulate into a piggy-bank total across months. A coin lands when you finish a good month, and quietly leaves when you overspend.

Save money with purpose, not just discipline.

Piggy bank · across months

+¥92,000 this month

¥1,247,500

J
F
M
A
M
J
J
A
S
O
N
D
Coin added — good monthCoin removed — overspend

Turn savings into real goals.

  • Kyoto trip
    64%¥240,000
  • Emergency
    42%¥600,000
  • New camera
    88%¥320,000
  • Down payment
    18%¥3,000,000

Split system

Start simple.
Adjust when you’re ready.

Begin with the standard, widely recommended 50/30/20 split. When you’re ready, upgrade to Expensei Pro to customize your split with a slider, or let the app recommend a Growth or Stable plan based on your income and fixed bills.

Recommendation — Your fixed bills are about 7% of income. Growth Split is doable and gives more room for savings.

Custom split slider in Expensei Pro

Real screens

Everything you need.
Nothing you don’t.

Three screens cover 90% of how you use Expensei: add, see, plan.

Fast expense entry

Tap a category. The pillar is set automatically.

Each category shows its pillar — blue for Needs, purple for Wants.

Budget dashboard

Three pillars, three numbers, one full month.

Spending calendar

Active days, totals, and intensity.

Expensei Pro

Control. Finely tuned.

Pro keeps the simple system intact, then opens the dials for people who want more flexibility.

  • 01

    Custom split sliders

    Tune Needs / Wants / Savings to your reality.

  • 02

    App-recommended splits

    Get Growth or Stable suggestions based on your income and fixed bills.

  • 03

    Multiple savings goals

    Travel, emergency, anything you’re working toward.

  • 04

    Custom categories & subcategories

    Build the taxonomy that matches your life.

  • 05

    CSV export

    Simple and advanced exports for spreadsheets, accountants, taxes.

  • 06

    Premium themes

    A small grid of refined looks for the app.

Custom split slider in Expensei Pro

Questions

The short, honest answers.

Does Expensei connect to my bank?

No. Expensei is manual by design. You log in seconds, and your data stays in your hands.

Can I customize the 50 / 30 / 20 split?

Free starts with classic 50 / 30 / 20. Premium unlocks custom splits.

Does it work offline?

Yes. Add expenses offline; they sync when you’re back online.

Is it just for individuals?

No. Couples and small households can share recurring bills, goals, and one monthly view.

Which currencies are supported?

Expensei is JPY-friendly by default and supports multiple currencies. Pick yours in setup.

Finally see
where your money goes.

Download on the App StoreApp Store coming soonGet it on Google PlayGoogle Play coming soon

Free to start · No bank login · Works offline