NeoExpense: AI Expense Tracker

Stop typing out every expense. NeoExpense reads your bank SMS, listens when you speak, and keeps your budget up to date for you — AI expense tracker, budget planner and money manager in one app.

📩 AUTO-TRACK FROM BANK SMS
Turn it on once and your spending logs itself. NeoExpense reads bank, credit card and UPI transaction messages and fills in the amount, category and account for you. It knows 40+ Indian banks and wallets, and creates the account if you don't have it. Import the last 30 days from your inbox — you review the list before anything is added. A 9 PM recap shows what was tracked that day. Free for 7 days, then part of Pro.
Your messages stay yours: OTPs and full card or account numbers are stripped on your phone first, and anything that isn't a bank transaction is ignored.

🎙️ AI VOICE ENTRY — IN ANY LANGUAGE
Say "spent 250 on groceries and 500 on fuel" and NeoExpense creates both entries, amount and category already filled in. Speak English, Hindi, Hinglish, Bengali, Tamil — whatever you actually speak. 4 voice entries a day free, unlimited with Pro.

💬 NEOCHAT ASSISTANT
Ask for account balances, net worth, savings goals, upcoming bills, your monthly cap, today's spends, a category report or your top expenses — or add a transaction or transfer straight from the chat.

💰 BUDGET PLANNER & MONEY MANAGER
Set a monthly cap overall and per category — food, travel, rent, shopping, bills. Progress bars warn you before you overspend, not after.

🎯 SAVINGS GOALS
Save for a phone, a trip or an emergency fund. Log every contribution and watch the gap close.

🔁 RECURRING PAYMENTS & BILL REMINDERS
Rent, EMIs, subscriptions and salary post themselves. Credit card dues, EMIs, LIC and electricity bills found in your SMS appear in Pending Bills automatically. 3 schedules free, unlimited with Pro.

📊 CHARTS, REPORTS & INSIGHTS
Average spend per day, busiest day, monthly spending, spending trend, category breakdown, income vs expense and your top spends — all on a real amount scale.

📅 CALENDAR VIEW
Income and expenses day by day — spot heavy spending days at a glance.

💳 ACCOUNTS & WALLETS
Cash, bank accounts, credit cards, UPI and digital wallets tracked separately, with per-account balances and transfers between them.

📴 WORKS OFFLINE
Your expense tracker keeps working with no internet — manual entry, budgets, accounts, calendar and reports. Sync catches up when you reconnect. (Voice, chat and SMS need a connection.)

☁️ MULTI-DEVICE CLOUD SYNC
Add an expense on your phone, review it on your tablet. Sign in with Google, or start as a guest and sign in later — nothing is lost.

🌎 MULTI-CURRENCY
Track in any currency with the right symbol and formatting. For travellers, freelancers and NRI users.

📄 EXPORT TO PDF, EXCEL & CSV
Pull any date range for taxes, reimbursements or your accountant.

🔒 APP LOCK & DARK MODE
PIN plus fingerprint or face unlock. Light and dark themes. Nothing sold to third parties.

WHO USES NEOEXPENSE
• Students on a tight monthly budget
• Professionals tracking daily expenses and EMIs
• Families running household expenses and bills
• Freelancers separating business and personal spending
• Travellers logging costs in multiple currencies

FREE AND PRO
Free: unlimited manual expenses, budgets, savings goals, accounts, calendar, charts, reports, cloud sync, 4 AI voice entries a day, 3 recurring schedules and a 7-day SMS auto-tracking trial. Ad supported.
Pro: SMS auto-tracking, unlimited voice entry with longer recordings, unlimited categories and recurring schedules, PDF / Excel / CSV export, no ads. Monthly, yearly or lifetime.

GET STARTED IN 30 SECONDS
1. Add your accounts and opening balances
2. Turn on SMS auto-tracking, or log your first expense by voice
3. Set a monthly budget for your top categories

Take control of your money with NeoExpense — the AI expense tracker, money manager, budget planner and daily spending tracker that does the work for you.