Income & expense tracking
Record what comes in and what goes out by voice, receipt scan or manual entry. Keep every transaction in a place you can revisit.
Inside Xpenvo
Make sense of your money, one day at a time.
Track the numbers yourself. Make a plan you can follow. And when you need another perspective, ask Zara.
See how it works in real life.
Less marketing talk. More of the tools you’ll actually use, shown inside the app.
01 / Savings goals
Put a real number on your goals.
Choose what you want to save for, set a target and follow your progress. Build a savings plan that fits the numbers you’ve recorded.
Goals with amounts and target dates Review your progress as you save Pro: forecasts, income rules and catch-up plans
02 / Meet Zara
Ask the questions behind the numbers.
Wondering why spending changed, whether you can save more, or which debt to tackle first? Zara can use the data you’ve entered to help you think it through.
Answers based on the information you provide Explore questions across budgets, spending and goals
03 / Your next move
A plan for the money ahead.
Give your savings a target and compare debt repayment approaches. See how the decisions you make now may affect the months ahead.
Savings targets and timelines Track 2 debts free, payoff planning with Pro
Everything else, neatly in place.
There’s more to managing money than tracking transactions. Here’s what you can do when you need it.
The everyday essentials
The tools you reach for throughout the month.
Budgets
Choose limits for your categories and see how much is left as you spend.
Wallets & profiles
Organize different wallets and switch between personal and business finances.
Bills & subscriptions
Keep track of upcoming bills and recurring payments. Track 5 subscriptions per profile for free. Pro adds price-rise alerts, an overlap finder, a 12-month trend and a cancel assistant.
Make a plan, then follow it
See the next step, not just a collection of numbers.
Savings goals
Set an amount and target date. Check whether your plan works with your monthly finances. Pro adds forecasts, history and an emergency fund builder.
Debt tracker
Track 2 debts per profile for free. Pro compares avalanche and snowball, charts your balance over time and counts down to your debt-free date.
Cash flow forecast
Look ahead at what may be coming in and going out, including upcoming bills. The AI insight on your forecast is part of Pro.
Net worth · Pro
Follow how your assets and liabilities change over time.
More ways to understand your money
Useful tools for the details that are easy to miss.
Zara, your AI money coach
Ask questions using the financial information you have added to Xpenvo.
Financial health score
See a financial health assessment and areas you may want to improve.
Weekly & annual reports
Review patterns over time with weekly and annual reports. Zara’s AI-written analysis is part of Pro.
Import & scanning
Use supported imports and scans to help add transactions without linking a bank account.
Split expenses
Share a bill with someone and keep track of who owes what.
Freelance & business tools · Pro
Work with invoices, expense reports, profit and loss views, and tax summaries.
A few more useful touches
Xpenvo also includes tools for building consistent habits and understanding your financial picture. Some are available in Pro.
Start with the money you know.
No bank connection required. Add your first transaction and build from there.
Create your free account
