All your debt in one place
10 India-native loan types: home, vehicle, education, gold, LAP, personal and more. Full EMI schedules, prepayment analysis and interest breakdowns.
Built for India · Launching soon
Track Smart.
Track Smart.
Spend Better.
Expenlio brings every expense, loan, credit card, budget and goal into one clear dashboard, so you always know what you earn, owe, own, and are saving toward. No bank connection needed.
✓ ~40 min first-time setup ✓ 5 min daily routine ✓ Free trial
app.expenlio.com
Net Worth
₹12,84,500
▲ 6.2% this month
Income
₹1,45,000
June 2026
Expenses
₹86,300
41% saved
Spending by category
Goal · Emergency fund
68%
- No bank connection needed
- Built for Indian finance
- Double-entry accurate
- Your data stays private
Everything in one app
Your complete financial picture
Expenlio replaces the bank app, the loan spreadsheet, the budget notebook and the net-worth calculator, built for how money actually works in India.
Credit cards & BNPL
Track statements, due dates, minimum payments and late fees across every card and Buy-Now-Pay-Later account. Never miss a cycle again.
Budgets & goals
Set monthly category budgets with rollover, and savings goals with progress tracking. Gentle alerts at 80% and 100% keep you on target.
Net worth that grows
Assets minus liabilities, calculated automatically with daily snapshots and a 12-month trend so you can see real progress over time.
Subscriptions tracker
Netflix, Spotify, the gym: auto-detected from your spending, with renewal reminders 3 days before each charge and monthly + annual totals.
Tax-ready
Automatic 80C, 24(b) and 80E deduction summaries on your home and education loans, with CSV export for filing season.
Smart auto-categorization
Keyword rules tag transactions for you as you go. Spend less time entering data and more time understanding it.
Reports & insights
Cashflow, spending heatmaps, category trends and an EMI calendar: the full picture of where your money comes from and goes.
How it works
From scattered to sorted in three steps
01
Add your accounts
Enter your bank accounts, cards, loans and BNPL once, manually, in minutes. No bank login, no screen-scraping, no risk.
02
Track as you go
Log expenses and income in seconds. Smart rules auto-categorize them, and EMIs and subscriptions are tracked for you.
03
Watch it grow
See your net worth, budgets, goals and tax savings update live, and make better money decisions every single month.
Pricing
Simple pricing, announced at launch
Start with a free trial. Expenlio is a premium app. We'll reveal pricing at launch, and everyone on the waitlist gets an early-bird offer.
Free trial included
Expenlio Pro
Your complete financial picture: every feature, no limits.
- Unlimited accounts & transactions
- All 10 loan types, credit cards, BNPL & subscriptions
- Budgets, savings goals & net worth tracking
- Advanced reports & tax export (80C / 24b / 80E)
- Smart auto-categorization & reminders
- Data export & priority support
Start free · premium after your trial · pricing revealed at launch
Free trial
Explore every feature before you commit, no strings.
Premium app
Built for serious money management, not an ad-supported toy.
Early-bird offer
Join the waitlist now and get our best launch price.
FAQ
Questions, answered
How much does Expenlio cost?
You can start with a free trial. Expenlio is a premium, paid app. We'll announce exact pricing at launch, and everyone on the waitlist gets an early-bird offer. Join the waitlist to lock it in.
Do I need to connect my bank account?
No. Expenlio never connects to your bank or scrapes your statements. You add accounts and transactions yourself, which keeps your credentials and data completely private and in your control.
Is my financial data safe?
Your data is yours. We never sell it to banks, insurers or advertisers. Access is protected with encrypted passwords and short-lived sessions, and you can export or delete your data at any time.
Which loans and cards are supported?
All 10 India-native loan types: home, vehicle, education, personal, gold, LAP, consumer durable, salary overdraft, top-up and credit-card EMI, plus credit cards and BNPL accounts like Lazypay and Simpl.
Does it handle Indian taxes?
Yes. Expenlio auto-computes 80C, 24(b) and 80E deductions from your home and education loans and gives you a clean CSV export for filing season.
When does it launch?
Expenlio is in active development and launching soon. Join the waitlist to get early access and an early-bird offer on Pro.
Be first to track smart
Join the waitlist for early access and an early-bird offer on Pro. No spam, just one email when we launch.
Questions? Write to hello@expenlio.com