Personal Expense Tracking
Understand what expense tracking is and why it matters for everyday life.
Ever wonder where all your paycheck went?
Upload your statement and ZenExpenses breaks down your spending into clear categories automatically so you can finally see what's draining your paycheck — no budgeting skills needed.
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Upload a statement
Drag and drop your bank statement — CSV, Excel, or QuickBooks files. We take care of automatically categorizing your expenses so you can see where your hard-earned money got spent.
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Automatic Category and Tags
We automatically categorize your transactions. If you don't like our categories, add your own — and write rules so future imports follow them. You can also attach multiple tags to any transaction.
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See where it went
See exactly where your money went. Useful charts, a monthly summary, and automatic suggestions on where to cut your spending.
Built for people who don't want to link their bank account.
Many finance apps connect directly to your bank account to pull transactions automatically. ZenExpenses takes a simpler approach: you upload your statements yourself, keeping your banking credentials private and your data sharing intentional.
Other trackers
- Ask for your online-banking password
- Sync everything, all the time
- Break when your bank changes its login
ZenExpenses
- You upload statements yourself
- Only the data you choose to share
- Works with most bank statements in CSV, Excel, QuickBooks
What else it does
Splits with people
A simple calculator to split monthly expenses among couples and roommates. Add who paid what, decide how to split, and see who owes whom — separate from your bank transactions.
Recurring expense finder
ZenExpenses spots subscriptions and recurring charges across your accounts — gym, streaming, that app you forgot about — so you can see exactly what's coming out every month.
Suggestions to cut down
Get automatic suggestions on where you could spend less. ZenExpenses flags categories that crept up, duplicate subscriptions, and small habits that quietly add up.
Speaks your currency
Set your currency locale and ZenExpenses speaks it. Amounts, formatting, and symbols match where you live — no awkward dollar signs on euro statements.
Multi-language
English and French today, with locale-aware date and number formats. The interface speaks the way you do, wherever you bank.
You support a solo developer
ZenExpenses is built and maintained by one developer — you get direct customer support, fast iteration, and a roadmap shaped by people who actually use the product.
Frequently asked questions
Is it free?
Yes — free for everyone while we're getting started. Pricing will come later, and you'll have plenty of notice before anything changes.
Which banks work?
Any bank that lets you export CSV, Excel, or QuickBooks statements — which is most of them. Date formats and column orders are detected automatically.
Can I import years of history?
Yes. Upload as many statements as you want, in any order. Imports run in the background, so large files don't block the app.
Does it work in my currency?
Yes. Pick your currency locale in settings — ZenExpenses uses it for amounts, symbols, and number formatting throughout the app.
What happens to my data if I leave?
Export everything to CSV or Excel — transactions, categories, tags, and rules — and delete your account. No retention games.
Learn the basics
New to expense tracking? Three short guides to get you started.
Upload Bank Transactions
Download statements from your bank and upload them to ZenExpenses.
Automatic Categorization
Create rules once and let future imports sort themselves automatically.
Ready to see where your money goes?
Upload a statement and you'll be sorting transactions in a couple of minutes.
Try ZenExpenses ↗