AI Expense Tracker & Budget

Smart Expense is an AI expense tracker, budget planner and money manager made for India. Just say "chai 20, petrol 500" and it's added — right amount, right category, right date. Or shake your phone from any app and speak. Your daily hisab kitab, done in seconds, without typing.

Your records stay only on your phone. Everything except AI voice works offline, with no sign-up.

★ SPEAK, DON'T TYPE — AI VOICE ENTRY
• Tap the mic and say "Expense 92 for Rapido", "salary 45000 credited" or "lunch 120 yesterday"
• Say several at once: "petrol 500, groceries 840, recharge 299"
• The AI picks the amount, category and date — in English, Hinglish and Indian languages
• Entries it is sure about can be added automatically, with Undo; anything unclear is shown for a quick check
• Your voice is recognised on your phone — the audio never leaves it

★ SHAKE TO ADD — FROM ANY APP
• Paid at the shop? Shake your phone and speak. The entry goes into your current book without opening the app
• No internet or no credits? A quick manual popup appears instead

★ AUTOMATIC, SO NOTHING IS MISSED
• Payment detection: turn it on and UPI and bank payment notifications become ready-to-add entries (read on your phone only)
• Bills and subscriptions — rent, EMI, electricity, OTT, insurance — add once and they are posted on their due date
• Money left this month carries forward automatically
• Daily reminders, a morning recap and logging streaks build the habit
• Automatic daily backup

★ A BUDGET THAT TELLS YOU WHAT'S SAFE
• Set a monthly budget and see how much is safe to spend today
• Gentle alerts at 80% and 100% of your budget
• See upcoming bills before they hit
• Split bills with friends and roommates and see who owes whom

★ CLEAR STATS
• Money in, money out and balance for today, this week, this month or all time
• Charts by day, week, month or year, with category breakdowns
• Export PDF reports to share or print

★ MORE THAN AN EXPENSE MANAGER
• Spaces: separate books for personal, home, business or trips
• Track savings goals, investments and money lent to friends
• Scan receipts, built-in calculator and a home-screen widget
• 80+ categories made for Indian life: groceries, petrol, rent, EMI, recharge, tuition, festivals, puja, maid, society maintenance

★ PRIVATE BY DESIGN
• No bank login, ever. Your records stay on your phone in an encrypted database
• App lock with PIN or fingerprint; hide balances with one tap
• For AI voice, only the words you say are sent to be understood — they are not stored on our servers

★ AI CREDITS
• Sign in with Google and get 10 AI credits free — 1 credit = 1 voice entry
• Watch a short ad for more, or recharge once from ₹10 — no auto-renew
• AI voice needs internet and Android 13 or newer. Everything else is free and works offline

★ YOUR LANGUAGE
English, Hindi, Telugu, Tamil, Kannada, Marathi and Bengali. ₹ Indian Rupee with lakh and crore formatting, plus other currencies.

★ MADE FOR
• Salaried people tracking salary, rent and EMIs
• Students managing pocket money and hostel spends
• Families keeping the monthly ghar ka budget
• Shop owners and freelancers noting daily income and kharcha

Download Smart Expense — say it once, and your daily expenses are tracked.

Recent changes:
What's new
• Money tools: EMI, SIP, FD, RD, PPF, income tax, GST, currency & more
• Lending: lent & borrowed, interest, reminders, PDF statements, bank loan EMIs
• Bills: calendar, reminders 3 days & 1 day before, price-rise alerts
• Savings: goals with rings, round-ups, emergency fund, celebrations
• Family groups: alerts on new entries, "Gave money", who spent on what
• Export: choose period, categories & sections — clean PDF or CSV
• Rename and manage spaces