Track Every Dollar. Split Every Bill. Save Without Thinking.
Xpenzo automates the tedious parts of personal finance — AI categorization, bill splitting, budget alerts — so you can focus on building real wealth.
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Managing money shouldn't feel like a second job.
Most people know they should track their finances. Almost nobody does — because existing tools are too complex, too manual, or too fragmented.
Hours lost to spreadsheets you barely understand
Rule-based categories on Free; AI categorization on plans that include it
Awkward bill splitting and forgotten shared debts
Smart split calculator settles group balances in the fewest transfers
Tax season panic from missing receipts and messy records
Professional PDF and Excel reports ready in seconds
Everything you need for financial clarity
From AI categorization to collaborative group wallets — Xpenzo covers every dimension of modern personal finance.
Categorization
Free plans use rule-based categorization. Plans that include AI assign a category you can override at any time.
Split & Settle
Split any expense equally, by percentage, or custom amounts. The Settlement Optimizer resolves group debts in the fewest payments.
OCR Receipt Scanner
On plans that include it, photograph a receipt and Xpenzo extracts the merchant, amount, date, and category. Scan limits are listed on the pricing page.
Unified Dashboard
All accounts, balances, spending trends, and AI-generated insights in a single real-time view.
Smart Budget Alerts
Set category budgets and get instant alerts the moment you approach or exceed your limit — via WebSocket push.
Financial Goals
Create savings goals with deadlines, track contributions, and celebrate milestones with progress visualizations.
Recurring Transactions
Schedule recurring bills once. Xpenzo auto-creates them on schedule — never miss a recurring charge again.
Reports & Export
Professional PDF and Excel reports with category breakdowns and tax summaries. Share via secure link.
Shared Wallets
Create shared wallets for households, couples, or teams with role-based access and real-time sync.
Account security
TOTP two-factor auth, bcrypt password hashing, rotating JWT sessions, HTTPS, and GDPR-aligned export, consent, and deletion controls.
Major currencies
Record transactions in major currencies with live exchange rates — useful for travelers and international users.
Ai Assistant — Conversational Co-Pilot
Ask Ai Assistant anything about your finances in plain English — "How much did I spend on dining last month?" — and get an instant answer.
Up and running in minutes
No complex onboarding. No financial jargon. Start tracking in 3 simple steps.
Create Your Free Account
Sign up with email or Google. No credit card required. Free account is ready instantly.
Add Transactions Your Way
Enter expenses manually, import a CSV, or scan a receipt on plans that include scanning. Live bank sync is a paid-plan capability.
Get AI Insights & Hit Goals
Track budgets as you go. Plans that include AI can categorize transactions and surface spending insights.
One dashboard for your entire financial life
Xpenzo brings together all your accounts, cards, budgets, and goals into a single real-time view — powered by AI working silently in the background.
Sample preview
Built for how you actually live and spend
Whether you track personal budgets, share family finances, or manage group travel costs — Xpenzo has a plan for you.
Simple, Transparent Pricing
Start free and upgrade anytime. No hidden charges, cancel anytime.
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Frequently Asked Questions
Everything you need to know about Xpenzo. Can't find an answer? Contact our team.
What is Xpenzo and who is it for?
Xpenzo is a personal finance platform for individuals, couples, families, and teams. It tracks and categorizes expenses, helps split bills, manages budgets, sets savings goals, and generates financial reports.
Is Xpenzo free to use?
Xpenzo has a free tier. No credit card is required to start. Paid plans add capabilities such as live bank sync. Current prices are listed on the pricing page.
How does expense categorization work?
Free plans use rule-based categorization. Plans that include AI categorization assign a category from the description, amount, and merchant. You can override any suggestion.
Can I split expenses with friends and settle debts?
Yes. Xpenzo supports equal splits, percentage splits, and custom amounts. The settlement view reduces group balances to fewer transfers.
What is the receipt scanner?
On plans that include it, you can photograph a receipt and Xpenzo extracts the merchant, amount, date, and category. Scan limits, when they exist, are shown on the pricing page.
What are AI credits?
AI credits power assistant and other AI features on plans that include them. Monthly amounts depend on the plan and reset each calendar month. See the pricing page for the current amounts.
How does Xpenzo protect financial data?
Passwords are hashed with bcrypt. Sessions use rotating JWT tokens. Two-factor authentication (TOTP) is available. Data is sent over HTTPS. You can export and request deletion of your data. Xpenzo provides GDPR-aligned privacy tools. Independent legal review applies before any compliance certification claim.
Does Xpenzo support multiple currencies?
Yes. Xpenzo supports major currencies with live exchange rates. You can record a transaction in one currency and view the dashboard in your home currency.
Can I export financial reports?
Yes. Xpenzo can generate PDF and Excel reports with transaction history and category breakdowns. A report can be shared with a time-limited link.
Can I switch or cancel my plan?
You can upgrade, downgrade, or cancel from Billing settings. Mid-cycle upgrades are charged a prorated amount for the rest of the billing period.
Get in touch
Questions about Xpenzo, enterprise plans, or partnerships? Send us a message and we will respond shortly.