Xpenze: AI Budget Tracker

Stop wondering where your money went. Xpenze is the AI budget tracker that helps you take control of your money with AI-powered expense tracking, flexible budgets, automatic capture, clear reports, and premium guidance from Mochi. Whether you need an AI budget planner, an expense tracker, or a complete money manager, Xpenze handles it all in one clean app built for real life.

Why people choose Xpenze: • Track expenses, income, transfers, and recurring transactions in one place
• Manage accounts, balances, categories, tags, notes, and receipt attachments
• Create weekly, monthly, yearly, and custom budgets
• Review current budgets and Past Budgets with detailed history
• Import statement CSVs into a Draft Inbox for review
• Scan screenshots or receipts with OCR to extract draft transactions
• Capture supported transaction notifications as reviewable drafts
• Use merchant memory to speed up categorization
• Sync accounts, budgets, transactions, and recurring rules across devices
• Get smarter AI insights and personalized money guidance from Mochi

Safer automatic capture, built for control:
This AI budget tracker uses a draft-first approach. Statement imports, OCR scans, and notification captures never go straight into your money history. They land in your Draft Inbox first, so you can review, edit, approve, or discard them before anything affects your balances.

Budgets that stay useful:
Create budgets for overall spending, categories, or specific accounts. See how much you've spent, how much is left, and when you're approaching your alert threshold. When a budget period ends, it moves into Past Budgets so you can review the exact transactions, breakdown, and performance from that timeframe.

Recurring tools that save time:
Set up recurring rules for bills, salary, subscriptions, and other repeating transactions. Premium users can also unlock recurring budgets that automatically roll into the next period.

Reports and insights that are easier to use:
Understand cash flow, spending trends, top categories, recurring activity, and budget pressure with reports designed to be clear, fast, and practical. Export CSV backups when you need your data outside the app.

Meet Mochi — your AI money guide:
Mochi is Xpenze's premium AI-powered money assistant. Ask about spending patterns, savings opportunities, budget pressure, recurring payments, and what changed this month. Unlike generic budgeting tips, Mochi uses your tracked activity to deliver relevant, personalized guidance powered by AI.

Made for everyday users: • Students managing limited budgets
• Workers tracking monthly expenses
• Freelancers handling variable income
• Families watching household spending
• Anyone trying to save more and waste less
• Businesses, especially ones with daily transactions

Useful for everyday people and busy businesses:
Xpenze works well for students, workers, freelancers, families, and small business owners who record transactions every day, including cafes, mechanics, salons, shops, and other fast-moving businesses.

Premium features include: • Mochi AI chat and personalized guidance
• Automatic capture tools
• Recurring budgets
• Advanced reports and monthly savings insights
• CSV export backups
• Ad-free experience

Xpenze is the AI budget tracker & expense manager built to reduce money stress, help you stay consistent, and make it easier to understand your personal finances without complicated tools.

Download Xpenze — the smarter AI budget tracker — and make clearer daily money decisions.