Private by design
Runs entirely offline on your computer. Nothing is uploaded to the cloud or shared with anyone.
Free · Windows 10 & 11
Expense Tracker: Personal Finance
A simple Windows app for everyday people who want to understand their spending. Everything runs offline on your own PC — your financial data is never uploaded, shared, or seen by anyone but you.
Download for Windows
Free · No account needed · ~110 MB · Verify it's genuine
Built by one person, in my spare time.
The Review dashboard — see exactly where every pound goes. (Sample data.)
Categorise once
Label a transaction just once. The app remembers it and sorts the same payments automatically next time — so importing gets faster every month.
See where it goes
Import your bank statements and see your spending in plain language — no jargon, no spreadsheets.
Plan ahead
Track savings goals and loans, and get a clear yearly forecast of what you could keep.
How it works — three steps, no setup headache
1
Download a statement from your bank
Every online bank lets you export your transactions as a file (usually called CSV or Excel). That's the only "technical" step, and it's a couple of clicks.
2
Open it in Expense Tracker
The app reads the file and sorts your transactions into categories — groceries, bills, treats. Label something once and it remembers forever, so every month gets faster.
3
See your money clearly
Where it went, what's usual for you, how your savings are growing, and a forecast of what you could keep this year. All in plain English.
CSV files
Excel files
Multiple banks
Multiple currencies
"I believe everyone deserves to feel in control of their money — not just people who can afford advisors or love spreadsheets. Expense Tracker is my attempt to make that real: a free tool that speaks plainly, judges no one, and keeps your financial life exactly where it belongs — on your own computer."
Made by an ordinary person
I'm not a company. I'm one person who watched people around me struggle with money — not because they were careless, but because nobody ever showed them where it was actually going. Banks show you a list of transactions; that's not the same as understanding.
So I built the tool I wished existed: one that reads your bank statement, sorts it into plain categories, and tells you — kindly — what's really happening with your money and what you could keep next year.
There's no company behind it, no investors to please, no ads, and no data harvesting. It's just a tool I'd want my own family to use. If it helps you, that's the whole point.
"Free? What's the catch?"
There isn't one — and here's why you can believe that.
Apps make money from you in three ways: subscriptions, ads, or selling your data. This app has no subscription and no ads. And it can't sell your data, because your data never reaches us — it stays on your computer. There's no server collecting it, so there's nothing to sell.
I built this in my spare time because I wanted something my own family could use. Keeping it free is the point, not a marketing trick. If it saves you money and you fancy buying me a coffee someday, lovely — but the app will never ask.
What this project stands for
Private, provably
The app runs entirely offline on your PC. There's no account, no login, no cloud sync — which means there is literally no server that could leak, sell, or lose your data. We can't see your finances. Nobody can.
Free means free
No trial, no premium tier, no "unlock reports for £4.99/month", no ads. If you ever want to say thanks, there's a donation button — that's it.
Plain language, always
No "discretionary expenditure" or "amortisation schedules". The app talks like a friend who's good with money: "Your groceries were a bit higher than your usual this month." That's the whole vocabulary.
Created to help — and no other reason
This app wasn't built to grow a company, collect users, or get sold one day. It was built because people close to me needed it. Its only measure of success is whether it helps you keep more of your money.
Our privacy promise — in plain English
- Your transactions, categories, savings and goals never leave your computer. The app works fully offline.
- There is no account and no login — we don't know who you are.
- We cannot see, sell, or share your financial data. Not "we promise we won't" — we can't. It never reaches us.
- The website counts downloads by country (numbers only) to know if the project is helping people. That's the extent of our "analytics".
- No ads, no trackers in the app, no third parties.
This isn't a 4,000-word legal document because it doesn't need to be. The app's design is the privacy policy: your data stays with you.
Questions people ask
Do I need to connect my bank account?
No — and you can't, on purpose. The app never touches your bank. You download a statement file from your online banking and open it in the app. Your bank login stays between you and your bank.
Where is my data stored?
In a folder on your own computer.
Is it really free?
Yes. No trial period, no locked features, no ads. See "What's the catch?" above.
Do I need to know anything about finance?
No. The app was built for people who don't. If you can read a text message, you can use it.
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.
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.
Will it work on my computer?
Windows 10 or 11. No powerful PC needed.
Free · Windows 10 & 11