Topic Finance: Expense Tracker

Track your spending, plan your budget, and stay on top of bills and subscriptions with Topic Money — a private, offline-first expense tracker built for simple everyday money management.

Add income and expenses in seconds, organize transactions into categories, manage multiple accounts, set spending limits, and see exactly where your money goes with clear charts and summaries.

No bank connection is required. The core app works offline, so you can manage your finances without handing over your banking credentials.

Expense and income tracking

• Quickly record expenses and income
• Organize transactions with customizable categories
• Track cash, bank, savings, credit card, PayPal, crypto and custom accounts
• Transfer money between accounts
• Create recurring transactions
• Quickly add an expense from a notification

Budget planning

Create weekly or monthly budgets for the categories that matter to you.

• Set category spending limits
• See real-time budget progress
• Review spending history
• Spot overspending early
• Keep savings goals on track

Bills and subscription tracking

Keep recurring payments organized in one place.

• Track subscriptions, memberships and recurring bills
• See upcoming renewals and due dates
• Receive reminders before payments are due
• View monthly and yearly subscription costs
• Identify recurring expenses you may no longer need

Clear spending insights

Understand your finances without complicated reports.

• See where your money goes by category
• Review income and spending over time
• Monitor account balances
• Use clear charts to understand your spending habits

Private and offline-first

Topic Money is designed to work without requiring a bank connection.

• Core money tracking works offline
• Optional biometric lock with fingerprint or face unlock
• No advertising inside the app
• Your everyday financial records remain available locally on your device

Backup, sharing and sync

When you want more flexibility, optional tools are available for backup and sharing.

• Google Drive backup and restore
• Multi-device sync
• Share a household budget with your partner or family

Built around you

• Support for 30+ languages
• Use virtually any currency
• Light and dark themes
• Custom accent colors
• Custom account names and icons
• Export transactions to PDF

Useful for

• Daily expense tracking
• Personal money management
• Weekly and monthly budgeting
• Tracking bills and subscriptions
• Managing household finances
• Understanding spending habits
• Working toward savings goals

Topic Money keeps expense tracking simple enough for everyday use while giving you the tools to manage budgets, bills, subscriptions and accounts in one place.

Advanced features are available through an optional Premium upgrade.