Personal Finance, Sharpened
Private by design
Built for modern money routines
One money app for expenses, goals, cards, loans, investments, and AI-backed clarity.
SimplyExpense is built for people who want a cleaner financial life without spreadsheet fatigue. Track daily money movement, plan ahead, and unlock deeper insight when you need it.
Expense tracking
Goal planning
Credit and loan view
Backup with control
This Month
Clarity without clutter
Compact views, quick edits, and one cleaner money system.
AI Manager
Suggestions based on your Mulank
AI gives you financial suggestions shaped by your money pattern and Mulank context.
Balance
₹84,450
PRO
Monthly Journey
62% used
Start
Halfway
Broke
AI Manager
Your subscriptions and dining spend are the fastest wins this week.Everything In One Flow
Designed to replace financial clutter, not add to it.
01
Daily Tracking
Add expenses, income, and savings quickly with account-aware flows, receipts, and better visibility.
02
Cards, Loans & Bills
Track utilization, EMI pressure, due dates, subscriptions, and reminders without jumping across screens.
03
Goals & Planning
Build savings goals, emergency plans, foreclosure targets, and guided monthly budget views.
04
Investments & AI
See investment snapshots, proactive suggestions, Mulank-aware Pro AI, and richer insights from one place.
Complete Product
Everything the app can do, grouped the way real users actually use it.
SimplyExpense is more than a transaction logger. It combines daily tracking, planning, reminders, backup, Pro AI, and personal setup in one local-first system.
Daily Money
Track expenses, income, and savings in one flow
- Add expense, income, and saving entries with title, amount, date, tag, and category.
- Connect transactions to accounts or credit cards for balance-aware tracking.
- Attach receipt images and keep transaction history easier to review later.
- See recent activity, daily transaction views, and color-coded movement at a glance.
Accounts & Credit
Stay on top of balances, card usage, and due dates
- Manage multiple accounts such as bank, cash, UPI, wallet, savings, or business.
- Track credit cards with credit limit, spent amount, and payment due date.
- Record loans with EMI, tenure, rate, paid EMIs, and remaining pressure.
- Turn a loan into a foreclosure goal to plan faster repayment.
Planning
Budgeting and goals that feel actionable instead of crowded
- Set a monthly budget and follow the animated Monthly Journey progress state.
- Create category budgets and spot categories that are already over limit.
- Build savings goals, emergency goals, and foreclosure goals with progress tracking.
- Review compact planning cards that keep saved, target, monthly need, and progress visible.
Investments
Track more than just spending
- Manage investments across demat, mutual funds, NPS, gold, silver, and SIP entries.
- Store quantity, average buy price, market price, current value, and daily change.
- Keep investment data alongside the rest of your financial picture instead of in a separate tool.
- Use Pro AI context that can factor in investments, goals, debt, and transaction history together.
Recurring & Bills
Automate repeat entries and due-date awareness
- Create recurring transactions with start date, day of month, category, and source.
- Track subscriptions with monthly or yearly cycles and next due dates.
- Surface reminders for cards, loans, subscriptions, and recurring items.
- Mark reminders as paid and instantly convert them into recorded transactions.
Pro AI
AI Manager with finance context and Mulank personalization
- Unlock Pro AI through explicit consent and Google-linked Pro access.
- Get AI Manager chat and tab-level insight cards tied to your actual finance data.
- Use DOB-based Mulank as a light personalization layer while keeping suggestions grounded in financial facts.
- Ask about transactions, cards, loans, subscriptions, goals, investments, and planning from one chat surface.
Privacy & Backup
Local-first by default, cloud only when you choose it
- Core finance data stays on-device for guest and local-first usage.
- Google sign-in is optional and mainly used for Pro unlocking plus app-scoped Drive backup and restore.
- Backups are stored in Google Drive app data space, not as public user files.
- Delete account and local data from inside the app whenever you want a full reset.
Personal Setup
Make the app feel like your own workspace
- Use onboarding, quick profile setup, avatar, profession, and DOB-based age calculation.
- Choose from premium themes and supported currencies.
- Use optional MPIN and biometric-based app lock settings for extra privacy.
- Set daily reminders, customize the reminder message, and track streak progress.
Inside The App
Built for day-to-day use, not just a one-time setup.
At-a-glance summaries, monthly journey, recent activity, planning, and AI-led highlights.
Fast add and edit actions for transactions, tags, categories, receipts, and payment sources.
Generate a detailed CSV report with transactions, budgets, goals, subscriptions, receipts, and summary stats.
Track fully as a guest, then connect Google later when you want Pro access or backup features.
Why SimplyExpense
Made for real-life money behavior, not generic dashboards.
- Local-first architecture for day-to-day finance data.
- Optional Google Drive backup stored in app data space.
- Premium UX focused on fast scanning and low mental load.
- Pro AI features gated behind explicit user action and consent.
Founders
Built with a product-first eye for calmer money management.
A cleaner finance experience, shaped around clarity, privacy, and everyday usefulness.
PC
Founder
Pratik Chavhan
Shapes the product vision with a focus on making money tracking cleaner, lighter, and more usable every day.
PS
Founder
Pritesh Swain
Drives the experience forward through practical design, thoughtful execution, and a more premium finance journey.
Trust & Policy
Everything legal, accessible from the same brand site.
Coming Soon
SimplyExpense is launching soon.
We are finalizing the app for the Play Store. Contact us to get early access or join our waitlist!