How it works
Three steps, then it runs on its own
- Tell it your income and payday. Expensly builds a budget for every category and works out a safe amount to spend each day. It takes about a minute.
- Choose how purchases reach you. Bank text messages, your bank app's notifications or Apple Pay. A short guide sets it up and tests it with you.
- Just pay. Each purchase lands in Expensly with the shop and category filled in, and your safe-to-spend number moves straight away.
Features
Everything you need to stay on budget
Purchases log themselves
Your bank texts you after every card payment. Expensly turns that text into an expense.
Learn moreLogged the moment you tap
Pay with Apple Pay on your iPhone or Apple Watch and Expensly catches it right away.
Learn moreOne tap, any bank
After you pay, double-tap the back of your iPhone or press the Action Button. Done.
Learn moreAndroid: alerts log themselves
Turn on SMS and notification access once. Every bank alert becomes an expense.
Learn moreKnow what's safe to spend
One number for today, updated with every purchase. Green, orange or red at a glance.
Learn moreBudgets that start on payday
A budget for every category, built from your income in about a minute.
Learn moreSave for what you love
Set a goal, and your daily spending protects it automatically.
Learn moreAn AI Coach for your money
It looks at your month and gives you one simple next step.
Learn moreNo forgotten subscriptions
See every subscription in one place and get reminded before it renews.
Learn moreSee your debt-free date
Add your loans and cards. Expensly shows the date you'll be debt free.
Learn more
Paid in cash?
Two taps for the rest
Not every purchase comes with a bank alert. For cash and everything else, the quick keypad adds an expense in two taps, with today's date filled in. You can also type "lunch 25" into the quick chat and it lands in Food.
Got a bank message from before you installed? Paste it and Expensly logs it for you, free.
Works where you live
Built in Dubai, made for everywhere
Expensly started with banks in the UAE and Saudi Arabia, and now works in any country with any bank that sends a purchase alert. Amounts show in your own currency, written the way your country writes numbers, including 3-decimal dinars.
Budgets reset on your payday instead of the 1st of the month, because that is when your month really starts.
Guides
Learn to spend with a plan
How to track expenses automatically on iPhone
The four ways to track spending on iPhone without typing: bank SMS, Apple Pay, Back Tap and the Action Button. Which to use, and how to set each up.
Auto-log bank SMS on iPhone with Shortcuts, step by step
Set up an iPhone Shortcuts automation that turns every bank purchase SMS into a logged expense. Five minutes, with the fixes for the common problems.
The best expense tracker for the UAE: what to look for
What makes an expense tracker work in the UAE: reading local bank SMS, AED, payday budgets, rent paid by cheques, Arabic, and no bank login. How Expensly fits.
Tracking your spending in Saudi Arabia, the easy way
How to track spending in Saudi Arabia without typing: auto-log from Saudi bank SMS and Apple Pay, budgets in SAR from your salary date, in Arabic or English.
How to budget from payday to payday
Why a budget should start on the day you get paid, not the 1st of the month, and how to set one up in four steps. With examples in any currency.
How much can I spend today?
A simple way to work out a daily spending limit from your income, bills and savings, and how to keep it up to date without a spreadsheet.
Questions
Asked often
What is Expensly?
Is Expensly free?
How do purchases log themselves?
Do I need to give Expensly my bank login?
Does Expensly read my personal messages?
Which countries and currencies does it support?
Save for what you love.
Free to start. Premium has a 7-day free trial.