Personal Expense Tracking
Understand what expense tracking is and why it matters for everyday life.
Track what you spend. That's it.
I built ZenExpenses because YNAB got expensive and everything else felt bloated. It logs transactions, sorts them with rules you write once, and stays out of the way.
What it does
Rules that stick
Write a pattern for a vendor name once. Every future import gets categorized the same way.
Splits with people
Add a shared expense, pick who owes what, see balances. No more napkin math at the end of the month.
CSV and Excel import
Upload a bank statement. It processes in the background and drops the transactions into your ledger.
Your data, exportable
CSV or Excel, any time. If you leave, you leave with everything.
No bank connection required
Unlike other expense trackers, ZenExpenses never asks for your banking credentials. You download statements from your bank and upload them when you want. Your login details stay private, and you control exactly what data to share.
Learn about safety & privacy →Learn the basics
New to expense tracking? Start with these beginner-friendly guides.
Upload Bank Transactions
Learn how to download statements and upload them to ZenExpenses.
Automatic Categorization
Create rules once and let future imports sort themselves automatically.
Shared Expenses
Track split bills with roommates, partners, or travel companions.
How to categorize expenses • Reading bank statements • Budget vs expense tracking
Not free. Not trying to be everything. If you just want a quiet tool that tracks money without nagging you, this is it.