What is Expensa used for?

Expensa is an iPhone budget app that logs Apple Wallet card payments through a Shortcut, with AI categories, 150+ currencies and iCloud-only sync, and no bank login. It is a good fit for tracking spending without sharing bank credentials and budgeting while traveling in several currencies.

Is Expensa open source?

No. Expensa is proprietary (closed-source) software. In the Finance & Accounting category, open-source options include Cashew, Firefly III and Wallos.

What are some alternatives to Expensa?

Expensa competes with YNAB, Copilot Money and Monarch.

Expensa: features, pricing and alternatives

About Expensa

Expensa is an iPhone app for budgets and expenses that avoids linking to a bank. After setting up one Shortcut, every card tap in Apple Wallet, including Apple Card and other cards added to Wallet, is logged as a transaction and categorized from your history with AI. The app uses no bank login, no account and no ads.

Budgets can have a limit per category with a live progress bar, alerts before overspending, and monthly, weekly or custom cycles with automatic rollover. An AI feature called Smart Allocation splits a total budget across categories based on region and spending habits. Separate wallets keep personal, household, business and trip budgets apart, and family or partners can be invited to shared spaces.

It supports more than 150 currencies with live exchange rates, storing both the original and converted amounts, which suits travelers and expats. Data syncs only through iCloud on your Apple ID, and the app works offline first. The site is the app's App Store page, listing it as free with in-app purchases for iPhone.

Key features

Automatic logging of Apple Wallet card payments
AI transaction categorization
Category limits with overspend alerts
AI Smart Allocation of a total budget
Separate wallets for personal, home, business and trips
150+ currencies with live exchange rates
iCloud-only sync with offline-first logging

Good fit for

Tracking spending without sharing bank credentials
Budgeting while traveling in several currencies

Tags: budgeting; expense-tracker; ios; apple-wallet; privacy; icloud; multi-currency

Expensa: questions and answers

What is Expensa used for?: Expensa is an iPhone budget app that logs Apple Wallet card payments through a Shortcut, with AI categories, 150+ currencies and iCloud-only sync, and no bank login. It is a good fit for tracking spending without sharing bank credentials and budgeting while traveling in several currencies.
Is Expensa free?: Yes. Expensa has a free plan.
Is Expensa open source?: No. Expensa is proprietary (closed-source) software. In the Finance & Accounting category, open-source options include Cashew, Firefly III and Wallos.
What are some alternatives to Expensa?: Expensa competes with YNAB, Copilot Money and Monarch.