Expency
Expency is a personal finance mobile app designed to simplify money management by turning scattered cash payments, receipts, and transaction notifications into a single, unified ledger with real-time budget tracking.
Expency helps users take control of their finances by making expense logging fast and effortless. Designed with a focus on privacy and simplicity, it consolidates cash, cards, and mobile financial services (such as bKash and Nagad) into one running balance. Rather than requiring complex bank account log-ins or tedious manual entries, Expency can read transaction SMS locally on your device to auto-categorize spending. With local-first data storage, robust encryption, and intuitive weekly/monthly reports, it gives users complete visibility over where their money goes without compromising personal data security.
Features
Auto-Categorized Entries
Automatically reads local transaction SMS to extract merchant names, amounts, and categories with minimal manual effort.
Budget Envelopes
Allows users to set monthly spending limits across different categories (groceries, transport, dining) with helpful pacing alerts.
Privacy-First & Local Storage
Financial data is stored locally on the device by default, secured with 256-bit encryption, with no requirement to link bank credentials.
Clear Reports
Provides simple, transparent weekly and monthly summaries instead of complex, cluttered financial dashboards.
Full Offline Functionality
Works seamlessly offline, letting users log and review expenses anywhere without needing an active internet connection.