100% Local SQLite Storage
Your financial ledger is saved inside an isolated SQLite database on your device. We have no external servers to access your records.
🔒 100% Offline & Privacy First
Master Your Money Privately & Effortlessly
Xpenso leverages Google Gemini AI for smart text & natural language expense parsing, auto-detects bank SMS Beta, syncs with Wear OS, and generates rich financial charts—all without storing your financial records on external servers.
Current Month
Total Spent
₹42,850
Transactions
34 Logged
SMS Parsing Beta
Local Only
Coffee at Starbucks
Logged via Gemini Smart AI
- ₹350
Cab Fare
Logged via Wear OS
- ₹240
🤖 Gemini AI Powered
⌚ Wear OS Smartwatch
Powerful Capabilities
Designed for Ultimate Privacy & Productivity
Xpenso combines smart automation with local-first security so you remain in total control of your money.
Gemini AI Smart Parsing
Type naturally (e.g. "Add 450 rupees for lunch at Swiggy"). AI parses amount, merchant, date, and category automatically.
Local SMS Auto-Detect Beta Testers Only
Automatically extract bank debit and credit transaction alerts directly from incoming SMS. Available exclusively for registered beta testers.
Rich Visual Analytics
Analyze spending patterns using interactive category charts, daily heatmaps, and monthly budget comparisons.
Wear OS Smartwatch Companion
Log expenses on the go directly from your wrist. Sync seamlessly with your Android smartphone in real-time.
Raw SQL & CSV Backups
Full control over your backup files. Easily export or restore raw `.db` database snapshots and readable CSV sheets to your storage.
🤖 Powered by Google Gemini AI
Smart Assistant Built Into Your Ledger
Xpenso incorporates Google Gemini AI to transform how you track, query, and analyze personal finances.
Natural Language AI Parsing
Type complex phrases naturally like "Spent 1,200 rupees on grocery at Supermarket yesterday". Gemini AI extracts amount, merchant, date, and category automatically.
Conversational Database Insights
Ask questions like "How much did I spend on dining out this month?" or "What was my largest purchase this week?". AI inspects your local ledger to give spoken & visual summary answers.
Intelligent Merchant Categorization
Smart fuzzy matching and merchant mapping learn your spending habits to assign appropriate categories to new entries seamlessly.
AI SMART ASSISTANT DEMO
💬
Natural Language Prompt
"Added 450 rupees for lunch at Swiggy today"
⚡ Processing locally via Gemini AI model...
✅ Expense Auto-Parsed
- ₹450.00
Merchant: Swiggy
Category: Food & Dining
Date: Today
Type: Debit
App Overview
Explore Xpenso Workflows
Gain Deep Financial Insights
Understand exactly where every rupee or dollar goes with structured breakdowns.
- Category-wise spending distribution charts
- Income vs. Expense ratio comparison
- Custom date range filtering (Daily, Monthly, Yearly)
Category Distribution
Groceries & Food
45%
Utilities & Bills
25%
Entertainment & Shopping
30%
Natural Language & AI Intelligence
Use Gemini AI to quickly log transactions or ask questions about your financial history.
- Natural language prompt entry with smart AI parsing
- Conversational questions over your local database
AI QUERY RESPONSE
"You spent ₹6,450 on Groceries this month across 12 transactions."
Automated Bank SMS Detection Beta Testers Only
Enrolled beta testers can enable local bank SMS detection to automatically parse incoming debit and credit transaction notifications.
- Parses merchant names, dates, and amounts automatically
- 100% On-device processing (Exclusive to registered Beta Testers)
BETA TESTER FEATURE
"Rs. 450.00 debited from a/c XX1234 on 30-Jul-26 at SWIGGY."
➔ Auto-logged locally for Beta Testers
Quick Actions on Your Wrist
Log coffee, cab fares, or quick daily items right from your Wear OS smartwatch.
- Dedicated Wear OS tiles and quick entry menu
- Instant local phone synchronization
⌚
Wear OS
Tap to Add
Privacy Policy
This Privacy Policy explains how Xpenso ("we," "us," or "our") collects, uses, and protects personal information when you use our mobile application (the "App").
1. Information We Collect
Personal & Financial Data: We do not collect or transmit your personal financial records (expenses, categories, account balances) to external servers. All transaction entries are stored locally on your device in an isolated SQLite database.
2. How We Use Your Information
All data entered in Xpenso remains strictly on your local device. The developer has no access to your financial data. You are solely responsible for creating local backups (via SQL export or CSV) to your device storage or personal cloud storage.
3. SMS Permissions & Beta Tester Access
Xpenso includes an optional SMS auto-detection feature available exclusively to enrolled beta testers to help track bank debit/credit alerts. This feature is disabled by default and requires explicit permission. When enabled by beta testers, SMS processing occurs 100% locally on device. No SMS text or financial content is uploaded to external servers.
4. Third-Party Services & AI Processing
The app uses Google Firebase services (Analytics and Crashlytics) to monitor application stability and performance. Smart AI features leverage Google Gemini API services for processing natural language input.
5. Security & Children's Privacy
We enforce local security practices (including optional biometric authentication) to protect your local data. Xpenso does not knowingly target or collect information from children under the age of 13.
Got Questions?
Frequently Asked Questions
No! Xpenso is built on a 100% local-first architecture. All your transactions, categories, budgets, and accounts live solely on your phone's SQLite database.
Xpenso uses Google Gemini AI to parse freeform natural language text like "Spent 450 rupees on dinner yesterday", extracting amount, merchant, date, and category automatically.
Local bank SMS auto-detection is currently available exclusively for enrolled Beta Testers. Processing occurs entirely on your device.
Yes! Xpenso includes a Wear OS companion app that lets you log quick expenses and view daily totals right from your wrist.
Get In Touch
Contact & Developer Details
Have questions, feedback, or want to join the SMS Beta program? Reach out directly via any channel below.
Start Managing Expenses Privately Today
Join thousands tracking their spending with complete peace of mind.
Get Xpenso on Google Play