Import & auto-sort
Open a CSV or Excel statement from any bank. Smart Import learns your bank's format once; categories are remembered forever.
Free · Windows 10 & 11
Expense Tracker: Personal Finance
Your salary lands. The month happens. Where did it all go?
See where your money really goes — and exactly when it gets you where you want to be. Private, on your own computer, no bank login.
Download for Windows
Free · No account needed · ~110 MB · Verify it's genuine
Built by one person, in my spare time.
One picture of your whole month — where it came in, where it went. (Sample data.)
Most of us can't answer three simple questions about our own money
Not because we're bad with it — because bank statements are a wall of cryptic references nobody reads. And spending you can't see is spending that never changes.
Expense Tracker exists to answer those three questions. Plainly, privately, without judging you.
1
"Where did it actually go?"
Drop in your bank transactions and the wall of cryptic references becomes plain English: groceries, bills, treats, subscriptions. Label something once and it's remembered forever — every month takes less effort than the last.
Once you can see your spending, it stops being a mystery you dread and becomes a picture you can change.
Every pound, traced from payday to where it ended up.
2
"Am I actually okay?"
Most of us swing between worry and looking away, because we've never seen our own normal laid out honestly. Expense Tracker compares you only to your own usual — never to some ideal person, never with a wagging finger.
What's going well, what's worth a look, and one next step — phrased like a friend would say it, not an accountant.
An honest answer, in plain English — and often better news than you feared.
3
"Will I ever get there?"
The holiday. The deposit. The just-in-case cushion. Goals stay dreams until there's a line connecting today's habits to a date on the calendar — so Expense Tracker draws that line for you.
It finds the money hiding in forgotten subscriptions and everyday treats, shows what trimming them would actually add up to over a year, and tells you when your goal arrives — and how much sooner it could.
Found money: what small trims are worth over a whole year.
✓
And then — watch it grow
Your savings, month by month, at your current pace — next to a dotted line showing what's possible if you kept everything that's left over. A fuzzy hope becomes a chart you can look at whenever you need a reason to keep going.
Where you'll be in 12 months — and what's possible.
Built for people who've bounced off budgeting apps
Most finance tools make you feel worse — red numbers, guilt streaks, comparisons to people who aren't you. This one doesn't. It never judges a category, never scolds, and only ever compares you to your own usual.
The goal isn't a perfect budget. It's the quiet relief of finally knowing — for the cost of five minutes a month.
Peace of mind, built in
Money is stressful enough without wondering who's looking at yours. You never have to trust us with your financial data — the app is built so it can't reach us in the first place. No bank login, no cloud, no account: your statements stay in a folder on your own PC.
- No account
- No cloud
- No ads
- No tracking
- No bank login
- Data stays on your PC
Why I built Expense Tracker
I know how easy it is to avoid looking at your finances when everything feels confusing or overwhelming. That's why I built Expense Tracker. My goal was simple: create a free tool that helps you understand your money without making you feel judged. It speaks plainly, respects your privacy, and keeps everything safely on your own computer—because your financial life belongs to you. — Dumi, the one person behind Expense Tracker
What the app actually does
The short version, for the practically minded.
Review & Insights
A monthly dashboard of where money went, plus plain-English insights that compare you only to your own usual.
Forecast & goals
A realistic yearly estimate of what you could keep, a savings trajectory, and a date on your savings goal.
Private by design
Runs entirely offline on your Windows PC. Multiple banks and currencies, each with its own dashboard.
CSV files
Excel files
Multiple banks
Multiple currencies
Questions people ask
Is it really free?
Yes. No trial period, no locked features, no ads. The app can't sell your data either — it never receives it, so there's simply nothing to monetise.
Is my data private?
Completely. The app never connects to your bank — you download a statement file yourself and open it in the app, so your bank login stays between you and your bank. Everything is stored in a folder on your own PC and works fully offline. It never reaches us or anyone else.
What banks does it work with?
Any bank that lets you export transactions — the app has a Smart Import that learns your bank's format the first time and remembers it. Multiple banks and currencies are supported, each with its own dashboard.
Windows says "unknown publisher" when I install — is that bad?
That warning appears for any app from an independent developer who hasn't bought a (expensive) publisher certificate — it doesn't mean the app is unsafe. You can check your download is the genuine one on our verify page, byte for byte.
Five minutes a month. Finally knowing.
Download for WindowsFree · Windows 10 & 11