No app to open, no bank account to link. Send "500 petrol cash" on WhatsApp and Xpenserbot logs it, categorizes it, and folds it into your full financial picture — instantly.
Zero bank linking. Ever. Your numbers stay yours — nothing is pulled from an account you didn't type in yourself.
The entire point is that logging an expense should take less time than deciding whether it's worth logging.
"1200 dmart upi", "paid rent", "hdfc cc 3400" — write it the way you'd tell a friend, not fill out a form.
Amount, category, payment method, and which account or card it hit — all pulled out automatically and matched to your accounts.
Net worth, balances, credit card dues, and category spend — all current the moment you hit send, no separate sync step.
The easiest way to track expenses is the one you'll actually keep up — so every way to log spending here happens inside the chat app you already have open, with real expense tracking underneath: net worth, budgets, and reminders that stay current on their own.
Six ways to get an expense in — pick whichever takes less time than deciding not to bother.
Text "menu" for a tappable shortcut list, swipe-reply on any logged expense to fix or delete it, or add an account/card/budget/bill with a one-line text — 90% of what you'd do on the dashboard, done from the chat thread.
Hold the mic button, say the amount and what it's for — done. No typing at all. Free to try, unlimited-feeling on Plus.
Free + PlusSnap a receipt, or send a screenshot of any UPI payment — Google Pay, PhonePe, Paytm, Amazon Pay, BHIM — and Xpenserbot reads the amount and payee straight off it. Free to try, unlimited-feeling on Plus.
Free + PlusGet "₹450 debited towards Swiggy" from your bank? Forward that SMS and Xpenserbot logs it for you — same zero-bank-linking promise, just less typing.
Forward your bank's own bill SMS and Xpenserbot updates the due amount and date — still no bank account linked.
On iPhone, log an expense without unlocking your phone or opening the app or WhatsApp at all. Siri asks what you spent, you answer the same way you'd text it — done.
iOSThe part of expense tracking most apps leave to you — this one comes looking for you instead.
Daily, weekly, monthly, or yearly recaps land in your WhatsApp on their own — you never have to open the app to stay on top of things.
A heads-up a few days before each card's due date, so a bill never quietly slips past you.
Log the same thing three months running — "Netflix 649," say — and Xpenserbot offers to track it as a recurring bill automatically. One tap-reply, no manual setup.
How this week compares to last — a quick fixed summary for everyone, or the same AI-written narrative style as the monthly insight on Plus.
Rent, EMIs, SIPs — set them up once, and Xpenserbot reconciles what actually got paid against what was expected.
LIC premium, half-yearly insurance, school fees — set the month it's actually due, and the reminder fires once a year (or twice), not every month by mistake.
Every logged expense rolls straight into a dashboard that's always already up to date.
Bank balances, credit card dues, and running totals combine into one number that moves every time you text an update.
See at a glance whether this month is running ahead of or behind your usual pace — before the bill arrives, not after.
Paid on the 28th, not the 1st? Set your own budget-cycle start day and every "this month" number — budgets, trends, pace — resets on your actual salary date instead of the calendar's.
A running daily number — what's left of this month's income, divided by the days left — so overspending shows up before the month does, not after.
Food, grocery, travel, fuel, medical, entertainment, EMI, insurance and more — recognized from how you actually phrase things.
Text "subscriptions" for a total across everything you're paying for monthly — streaming, gym, memberships — most people have never seen this number added up before.
"How much did I spend on Uber last month?" Answered from your actual transactions, not a template — and it tells you honestly when it doesn't have the data, instead of guessing.
PlusYour monthly summary gets a short written take — what actually changed since last month and why, not just another number.
PlusThe details that make it feel like it was built for you specifically, not just "users."
"Set diwali goal 50000," then "add 2000 to diwali goal" whenever you save toward it. Progress only ever moves from money you actually put in. Falling behind pace on a goal with a target date shows up right on your Overview, before it's too late to catch up.
Free + PlusFreelance or run a small side business? Tag any expense as business, then filter your Activity list — or a CSV/Excel export — to just those, without a second app for bookkeeping.
Spent less than you earned this month? Your summary tells you exactly how much extra you had, and that it's often worth putting toward a SIP, FD, or emergency fund.
"Split 900 dinner with Vijay and Aarti" — even split, or give exact amounts. Your share logs as a normal expense automatically; text "who owes me" anytime.
Free₹, $, €, £ and 15+ more — auto-detected from your WhatsApp number, shown correctly on every message and across the whole dashboard.
Text an expense in Hindi, Spanish, Arabic, or one of 15 languages — Xpenserbot understands it and logs it correctly.
Add the dashboard to your home screen for an app-like feel — no App Store required, works right from your mobile browser.
No ads, no data-selling. Logging on WhatsApp stays free forever — the paid plans are for the things that reach out to you before you have to ask. Every new account also gets 7 days of full Plus, on us, no card required.
Most finance apps get their edge by plugging into your bank or card statements directly. Xpenserbot's edge is the opposite: everything you see comes from what you typed, on a chat thread you already use every day — nothing is ever pulled from an account behind the scenes.
Download the native iOS app today, or open the web dashboard on your phone's browser and add it to your home screen for an app-like icon in the meantime. Android is on the way.
Sign in, link your WhatsApp number, and start logging in under a minute.
Get started free →Be one of our first reviewers — sign in, use Xpenserbot for a bit, then leave a review from the Settings tab.
Texting them. Xpenserbot skips the app-opening, form-filling step entirely — send "500 petrol cash" to a WhatsApp number and it's logged, categorized, and reflected in your dashboard before you've locked your phone again.
Text it, say it as a voice note, or send a photo of the receipt or UPI payment screen — all three go straight to WhatsApp, none of them need the Xpenserbot app open (or even installed) to work.
Yes — logging, budgets, categorization, net worth, and proactive summaries are all free with no time limit. Plus (₹49/mo or ₹499/yr) adds unlimited history, AI-written insights, and automatic proactive reminders on top.
No — never. Xpenserbot never connects to a bank or Account Aggregator service. You forward your own bank SMS or type what you spent; nothing is pulled from an account automatically.
Yes — currency (₹, $, €, £ and 15+ more) and language (Hindi, Spanish, Arabic, and 15 total) are both auto-detected from your WhatsApp number and used everywhere, on WhatsApp and the dashboard alike.