android Beta — Free via Firebase App Distribution

Know your numbers.
Own your finances.

Expenses is a personal financial health tracker for Android. It goes beyond logging — see your true spending capacity, track every commitment and debt, and understand your financial health at a glance.

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The Core Idea

Most trackers tell you what you spent.
Expenses tells you what you can spend.

Every month, your income takes a journey. Most apps only show you the last step.

Step 1

Monthly Income

RM 9,500

What you earn — salary, freelance, any source. This is where the month starts.

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Step 2

Obligations First

RM 4,325

− Commitments − Debt − Savings

Fixed obligations leave before you spend a single ringgit of discretionary money.

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Step 3

Financial Capacity

RM 915

What you can actually spend. The number Expenses tracks in real time as you log transactions.

speed The real number

Figures are illustrative · Your actual capacity updates live in the app

Features

Everything in one place

Designed to give you a complete picture of your financial life — not just transactions.

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Financial Capacity Engine

See what you can actually spend — after all monthly commitments, debt repayments, and savings targets are accounted for. Updated automatically as you log transactions.

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Financial Health Score

A single 0–100 score measuring the sustainability of your finances — commitment ratio, debt service ratio, savings rate, and budget performance combined.

80–100	Excellent
60–79	Good
40–59	Moderate
0–39	At Risk

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Commitments & Debt Tracking

Track every recurring monthly commitment — rent, insurance, subscriptions — alongside your loans and repayments. See what's paid this month and what's overdue.

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Budgets & Savings Goals

Set monthly category budgets with sub-budget control. Create savings goals with deadlines and contribution targets. Watch progress in real time with confetti on completion.

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Lent Money Tracker

Keep track of money you've lent to family or friends. Log repayments, see outstanding balances, and include receivables in your net worth calculation.

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Reports & Simulator

Expense breakdowns, 6-month income/expense trends, and CSV export. Use the Commitment Simulator to test hypothetical obligations before you take them on.

How It Works

Up and running in minutes

No bank sync, no subscriptions, no accounts. Everything stays on your device.

Set up in minutes

Add your accounts, enter your monthly income, and list your existing commitments and debts. Ready to use in under 5 minutes.

Track daily

Log expenses and income, mark your bills paid, and record transfers between accounts. The dashboard updates in real time.

See the full picture

Your capacity, health score, upcoming bills, and monthly trends — all on one dashboard. Customise which cards you see and in what order.

See It in Action

Built for clarity

Overview

Your full financial picture, at a glance

The dashboard shows your net worth, cash flow for the current income cycle, upcoming bills, spending heatmap, health score, and more — all in one scrollable view. Every card is toggleable and reorderable to match how you think.

Daily Tracking

Log expenses, income, or transfers in seconds

One bottom sheet for all three transaction types. Set the category, add a note, and optionally link directly to a commitment or debt obligation. The dashboard updates instantly every time you save.

Reports

Monthly breakdowns and 6-month trends

Drill into category spending with an interactive donut chart. See income vs expenses charted across 6 months. Toggle between calendar month and your custom income cycle. Export everything to CSV in one tap.

Commitments

Never miss a monthly obligation

Track every recurring commitment — rent, insurance, subscriptions, phone bills. See at a glance which are paid this month and which are overdue. The Commitment Ratio tells you exactly how much of your income is already spoken for.

science Now in Beta

Ready to take control?

Expenses is currently in beta testing via Firebase App Distribution. Free to download. Available for Android 8.0 and above.

Free Download

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Android only · All data stays on your device · Updates delivered automatically

Know your numbers.Own your finances.

Most trackers tell you what you spent.Expenses tells you what you can spend.