Ovlo: Budget Expense Tracker

About Ovlo: Budget Expense Tracker

Ovlo is the AI expense tracker and budget planner that makes managing money effortless. Track daily expenses, scan receipts, plan budgets, and split costs — with no bank login required.

WHY OVLO IS DIFFERENT

Most money manager apps make you connect a bank account before you can log a single expense. Ovlo does not. Install it, add your first transaction in five seconds, and you are already tracking. Then let the built-in AI do the thinking for you.

AI FINANCIAL ASSISTANT
Ask about your spending in plain language and get real answers. "Am I overspending this month?" "Where did my money go?" The AI expense tracker reads your transactions and returns personalized insights instantly. You can also add expenses by typing "I spent 10 on lunch" and Ovlo creates the transaction for you.

RECEIPT SCANNER WITH OCR
Point your camera at any receipt. The receipt scanner pulls out the merchant, total, date, and tax automatically, so you never type an expense twice. Review it, adjust anything that looks off, save. Expense tracking in seconds.

BUDGET PLANNER WITH SMART ALERTS
Set a monthly budget for groceries, dining out, transport, entertainment, or any category you want. The budget planner shows live progress bars and warns you before you overspend, not after. Budget tracking that actually changes what you do.

SPLIT EXPENSES IN SHARED SPACES
Create a shared space and invite roommates, family, or your travel group with a single code. Everyone logs to the same ledger, so you always see who paid what. A shared expense tracker built for rent, bills, holidays, and group trips.

MULTI-ACCOUNT AND CREDIT CARD TRACKING
Keep cash, bank accounts, credit cards, and digital wallets in one money manager. The credit card tracker shows your limit, billing due date, and current utilization, so you always know where you stand.

INSTALLMENTS AND RECURRING PAYMENTS
Log installment plans and subscriptions once. Ovlo follows upcoming due dates and remaining payments, working as a bill tracker so nothing slips past you.

SPENDING INSIGHTS AND CHARTS
See exactly where your money goes with category breakdowns and spend-over-time charts. This daily expense tracker doubles as a spending tracker, turning raw transactions into a clear picture of your habits.

WORKS OFFLINE
Everything is stored on your phone, so Ovlo runs as an offline expense tracker on a plane, on the metro, or anywhere with no signal. Nothing waits on a server.

CSV EXPORT
Export your data as a CSV report for any date range. Useful at tax time, for expense reports, or for your accountant. PDF export is included with Premium.

PRIVACY FIRST
Your financial data stays on your device by default. No mandatory cloud upload. No bank credentials. No account linking. Optional cloud sync is there for Premium subscribers who want their money manager on more than one device.

WHO OVLO IS FOR
- Students and young professionals tracking daily expenses
- Roommates splitting rent, bills, and groceries
- Couples running a family budget together
- Freelancers logging business expenses and receipts
- Travelers who need a travel expense tracker abroad

9 LANGUAGES
English, Spanish, Portuguese, German, French, Italian, Dutch, Polish, and Turkish. The whole app is localized, not just this listing.

FREE, WITH OPTIONAL PREMIUM
Ovlo is free to download. The free plan covers unlimited manual transactions, budgets, receipt scans, AI chats, shared spaces, and CSV export. Premium removes ads and unlocks unlimited everything, plus cloud sync and PDF reports.

Download Ovlo, the AI expense tracker, budget planner, and personal finance money manager that finally makes spending tracking simple.