Expenny
Why skip bank linking?
Most budgeting apps start by asking you to sign in to your bank through an aggregator so they can import transactions. Plenty of people would rather not: it gives a third party ongoing access to account data, connections can break and need re-authorising, and the imported line reads "CORNER MARKET 4471" rather than what you actually bought.
Expenny takes the other route. Nothing is imported, so there is nothing to connect, re-authorise or leak.
How expenses get in instead
- Scan a receipt. Expenny reads every line item, quantity and price, and checks the items against the printed total.
- Say it. "Coffee four fifty, groceries thirty-two" becomes two separate items.
- Type it. One line of plain language, in any of the app's 14 languages.
- Enter it by hand. Manual entry never uses AI and is never limited.
Each item is matched to your own categories, so you get a finished expense instead of a form to fill in.
What you get that a bank feed can't give you
- Item-level detail: groceries and household supplies on the same receipt, not one lump sum.
- Cash spending, which never shows up in a bank feed.
- Expenses in the currency you paid in, converted at that day's rate.
- One shared picture for the household, without anyone sharing bank credentials.
The trade-off, honestly
Without a bank feed, an expense exists only if someone adds it. Expenny makes that a few seconds of work — a photo or one sentence — but if you want every card transaction pulled in automatically, an app built on bank aggregation is the better fit. See how Expenny compares with bank-linked apps.
What Expenny does store
Your account, your categories and the expenses you add. Text, audio and receipt images are sent to Google Gemini to be parsed. Expenny never asks for card numbers, account numbers or banking passwords, shows no ads and does not sell your data. The details are in the Privacy Policy.