New — Groups. Split a trip, settle up in one tap.

Every expense you have, in one calm place.

The purchases you make, the bills that repeat themselves, and the trips you split with other people — tracked side by side, in any currency, on any device.

Free plan included. No ads, no third-party trackers, nothing sold. Works in any browser — Android & iOS apps on the way.

Scroll to see it work
Expencil Family ▾
Spent in August
€0.00
6.2% vs July
Daily €0 Recurring €0 Groups €0
Still due this month
2 charges due
€248.00
Group share due
your split of 3 unsettled expenses
€86.50
Rome trip Add expense or go to group
Top categories August
Housing€650.00
Groceries€412.30
Dining Out€186.40
The problem

Three apps. Three half-answers.

A subscription tracker that ignores your groceries. A notes app full of numbers nobody adds up. A splitting app you only open after a holiday. None of them can tell you what this month actually cost.

Subscription tracker Knows about Netflix. Not about dinner.
Notes & spreadsheets Every entry is manual. So you stop.
Split-the-bill app Only opened once the trip is over.

One number that's actually true.

Expencil holds all three at once — and adds them up. One month, one total, split into what you bought, what charged itself, and what you owe the group.

Activity · Daily expenses

Log it before you've
left the shop.

The add button lives in the app shell, not on one screen — so recording a purchase never starts with navigating somewhere. Amount, category, save. Everything else is already filled in.

  • One tap, from anywhere. A floating button on mobile, a sidebar action on desktop — both open the same dialog, wherever you are.
  • It remembers your habits. Today's date, your space's currency and the payment method you used last are pre-selected.
  • A month at a time, grouped by day. Filter by category, payment method or member — with the converted month total on top.
  • Your rows stay yours. In a shared space everyone sees everything, but only the person who recorded an expense can change it. No exceptions, not even for the owner.

Start logging expenses

Expenses August 2026 · ≈ €1,142.60
All categories ▾ Any payment ▾ Everyone ▾
Wed, Aug 13€64.20
GroceriesRewe · Debit Card€38.40
Dining OutTrattoria · Cash€25.80
Tue, Aug 12€121.99
Subscriptions autoNetflix · Credit Card€12.99
ShoppingRunning shoes€100.00
TransportDay ticket€9.00
New expense
€38.40
Groceries Today
Fixed costs · Recurring

Set it once.
It logs itself.

Rent, the streaming bundle, insurance, the yearly domain renewal. Define each one once and a server-side job records the payment on the day it falls due — so your month total is complete without you touching it.

  • Any rhythm you actually have. Daily, weekly, monthly or yearly — every 1 to 365 of them. Every 2 months, every 10 days, every 90 days.
  • Dates that never drift. A bill starting Jan 31 falls on Feb 28, Mar 31, Apr 30 — anchored to the start date, month after month.
  • History is never rewritten. Change an amount and only future payments follow. Change the schedule and anything overdue is logged under the old one first.
  • Started in the past? It asks. Expencil offers to log the payments you already made instead of quietly inventing them — and shows the next payment date before you save.

Automate your fixed costs

Monthly commitment
€0.00
6 active definitions · normalized per month
RentHousing · every month€650.00 /mo
NetflixSubscriptions · every month€12.99 /mo
Car insuranceInsurance · every 3 months€165.00 / 3 mo
InternetUtilities · every month€39.99 /mo
Upcoming · next 30 days 4 charges
Sep 1 · Rent €650.00
Sep 4 · Netflix€12.99
Logged automatically
Rent · Sep 1 · €650.00
Split · Groups

Who owes whom,
answered.

A group is a bounded pot for a trip, a dinner or an event. Share one link, everybody records what they paid, and Expencil works out the shortest set of transfers that settles it — mid-trip or six months later.

  • Invite with one link. No email lists, no placeholder people. Send the link, they tap once, they're in.
  • Split equally or exactly. Pick who's in, or type per-person amounts. Leftover cents get distributed — €100 across three is 33.34 / 33.33 / 33.33, never 99.99.
  • Balances computed live. What each person paid, what they owe, and the payments already handed over — in the group's currency, any time.
  • The shortest way out. Biggest debtor pays biggest creditor, in at most one transfer fewer than there are members. Tap Record and the balance is zeroed.
  • It follows you home. Your share of a group shows up on your dashboard — settled money in the month total, everything else as a quiet "group share due".

Start a group

Rome trip 4 members · EUR SE MK JW AL
Total spent
€0.00
14 expenses · 2 payments recorded
Balances live
SEYoupaid €689.00 · share €476.60+€212.40
JWJonaspaid €205.00 · share €320.60−€115.60
MKMirapaid €293.90 · share €390.70−€96.80
Settle up 2 transfers
JW SE €115.60 Record
MK SE €96.80 Record
Invite link copied
Anyone with it can join
Under the surface

The details you'd only notice on day thirty.

Small decisions that keep the numbers honest once real life gets involved.

Budgets that warn you early

Give any daily category a monthly budget. The bar fills with the category's own colour, turns amber at 80% with the remainder spelled out, and goes red the moment you cross it.

Groceries€38 left
Dining Out€36 over budget
Transport€115 left

Every currency, converted honestly

Record a coffee in CHF and rent in EUR — each row keeps the currency you typed. Statistics convert with the European Central Bank's daily reference rate for that transaction's date, so last March's numbers don't move when today's rate does. A converted total always wears a .

CHF 4.50 $62.00 £18.20 ≈ €89.14

Spaces, not one big pile

A private personal space plus as many shared ones as you like — Household, Family, Trip to Rome. Each has its own categories, payment methods, currency and members.

Private by construction

Isolation is enforced in the database itself with row-level security, not by hopeful front-end checks. No ads, no third-party trackers, nothing sold to anyone.

Built for the phone in your hand

Mobile first, tested down to 390 px, and installable to your home screen like a native app — with native Android and iOS apps on their way to the stores.

Six months at a glance

A stacked trend of daily versus recurring spending across the last six months — plus, in a shared space, how much each member actually contributed.

Daily Recurring Mar – Aug

Light and dark, done properly

Both themes are held at WCAG AA contrast, and prefers-reduced-motion removes every bit of movement while keeping every state.

Getting started

Three minutes to a real picture.

1

Create your free account

Email and password, confirm the link we send you. Your private personal space is waiting, already seeded with sensible categories and payment methods.

2

Add what you spend

Quick-add today's purchases, define the costs that repeat themselves, and open a group for the next trip. Invite whoever shares the bills.

3

Watch the picture assemble

One month total with its donut split, budget bars, a six-month trend, each member's contribution — and exactly who still owes whom.

Pricing

Free for the essentials.
Pro when you outgrow them.

Start free — no card, no trial clock. Upgrade when a limit actually pinches, cancel whenever you like.

Free

Everything you need to see your month clearly.

€0forever
  • Your private personal space — always included, never gated.
  • 50 hand-entered expenses per space each month. Auto-logged recurring payments never count — and are never blocked.
  • 15 recurring expenses per space, logging themselves on schedule.
  • 3 category budgets per space.
  • 1 shared space you own — you plus one other member.
  • 1 open group you own — up to 3 members and 50 expenses. Settle-up payments are never limited.
  • Join without limits. Spaces and groups owned by others never count against your plan.
Start free

Pro Everything unlimited

For households, flat-shares and frequent splitters.

€3.99/ month

or €30/year — that's €2.50/month, save 37%

  • Everything in Free, with every limit removed.
  • Unlimited shared spaces and members — the whole household on board.
  • Unlimited hand-entered expenses, every month.
  • Unlimited recurring expenses and category budgets.
  • Unlimited open groups — as many members and expenses as the trip needs.
  • Covers everyone you invite. Your spaces and groups follow your plan — members never need their own Pro.
Go Pro in the app

Prices include VAT where it applies; payment is handled securely by Stripe, and outside the euro area you may see the price converted to your currency at checkout. A shared space or group always follows its owner's plan. Cancel anytime — Pro keeps working until the end of the period you paid for, and moving back to Free never deletes or locks anything you created. Details in the Terms.

Questions

Good things to know.

Is Expencil free?
The Free plan is genuinely free — no ads, no third-party trackers, no sale of your data — and it isn't a trial: it covers your personal space, 50 hand-entered expenses per space each month, recurring costs that log themselves, budgets, one shared space and one group. Pro (€3.99/month, or €30/year) removes every limit — see pricing.
What happens when I hit a Free limit?
Nothing dramatic. Expencil never deletes, locks or hides anything when you're at — or over — a limit: everything you've recorded stays visible and editable. The app simply stops new creations past the cap and offers Pro. Auto-logged recurring payments and group settle-up payments are never blocked, so your history stays complete and debts stay settleable.
Do other members of my space or group need Pro?
No. A space or group follows its owner's plan: if the owner has Pro, everyone in it enjoys unlimited use there — members never need a subscription of their own. And joining spaces or groups owned by other people never counts against your own plan.
How do I cancel a Pro subscription?
In the app, under Settings → Plan → Manage billing, which opens Stripe's billing portal — cancel, change cards or download invoices there, no emails needed. Cancelling stops the renewal: Pro keeps working until the end of the period you've already paid for, then you move to Free and keep all your data.
What's the difference between a shared space and a group?
A shared space is an ongoing joint ledger — a household or a family — where everyone adds expenses to a common history and nobody owes anybody anything. A group is a bounded pot for a trip or an event that answers one question: who owes whom, and what's the quickest way to settle it. Most people end up using both.
Who can see my expenses?
Only you can see your personal space. Expenses in a shared space are visible to the members of that space, and a group's entries to that group's members — nobody else. That isolation is enforced by row-level security policies in the database, so it holds regardless of what any client asks for.
Do I need to install anything?
No. Expencil runs in any modern browser at app.expencil.com. On a phone you can add it to your home screen and it behaves like an installed app. Prefer a real app? Native Android and iOS apps are on their way to Google Play and the App Store.
Can I mix currencies?
Yes. Every expense and every recurring definition carries its own currency, and is always shown in the one you entered. Totals and charts convert into your space's currency using the European Central Bank's daily reference rate for each transaction's own date, and mark the result with . Currencies outside the ECB reference set count 1:1 — the app says so where it matters.
What happens when I change a recurring expense?
Nothing already recorded moves. Payments keep the amount and name they were logged with; edits apply from the next payment onward. Change the schedule and any overdue occurrence is first logged under the old schedule, then the new rhythm takes over — so you can never lose a charge or get billed twice for the same date.
Can I delete my data?
Yes — including your whole account, yourself. Expenses, recurring definitions, groups and shared spaces can all be deleted in the app at any time, and deleting a space or group removes everything inside it. Deleting your account is self-service and immediate: in the app under Settings → Account, or on the account deletion page without the app — details are in the Privacy Policy.

Know exactly where your money goes.

Daily, recurring and shared — the whole month in one honest number.

Create your free account

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