Guide
How to track expenses on WhatsApp
To track expenses on WhatsApp, sign up for Xpensy with your WhatsApp number, then send each expense as a normal message, like “chai 20”. Xpensy's AI saves it, puts it in a category and replies to confirm. Your budgets, summaries and reports build up automatically.
Set up in four steps
- Create a free account at app.xpensy.in. No card is needed.
- Add your WhatsApp number. If you sign up with your phone number, you get a code on WhatsApp to verify it. If you sign up with Google, you add your number on the next screen. This is how Xpensy knows which messages are yours.
- Send your first expense to Xpensy on WhatsApp, on the number shown in your dashboard, for example “lunch 180”. Xpensy replies with what it saved, the category and your month total.
- Keep texting as you spend. There is nothing else to set up. Summaries and budget alerts arrive on WhatsApp.
What to type
Write it the way you would tell a friend. Xpensy works out the amount, category and date.
| You send | Xpensy saves |
|---|---|
| chai 20 | ₹20 · Food & Dining · today |
| auto 80 kal | ₹80 · Transportation · yesterday |
| petrol 500 yesterday | ₹500 · Fuel · yesterday |
| lunch 200 20 feb | ₹200 · Food & Dining · 20 February |
| swiggy 340 | ₹340 · Food & Dining · today |
| amazon 899 | ₹899 · Shopping · today |
The AI picks the category, and you can ask it to change one. If you leave out the amount, Xpensy asks for it rather than guessing.
What else you can do in the chat
- Ask about your spending: “how much this month?”, “aaj ka total”, or spending by category.
- Compare this month with last month.
- Fix mistakes: ask Xpensy to change or delete an expense.
- Set a budget and check how much of it is left.
- Get a report, an export or a share link without leaving WhatsApp.
What arrives on WhatsApp automatically
- A daily recap at night, on days you log expenses.
- A weekly summary on Sunday, and a monthly summary at the end of the month.
- Budget alerts when you reach 50%, 80% and 100% of a monthly budget.
You can turn summaries and reminders off in your notification settings.
Free and Premium
| Plan | Includes |
|---|---|
| Free | 30 WhatsApp expenses a month, unlimited on the web, 3 reports a month, 1 budget |
| Premium | Unlimited WhatsApp expenses and reports, several expenses in one message, custom categories, unusual-spending alerts |
Premium is ₹99 a month or ₹799 a year, and new accounts get it free for 60 days. Compare plans.
Common questions
Can I track expenses on WhatsApp for free?
Yes. The Xpensy free plan has no time limit and needs no card. It includes 30 WhatsApp expenses a month, unlimited expenses on the web dashboard and one active budget. New accounts also get 60 days of Premium free.
Do I need to install an app to track expenses on WhatsApp?
No. You sign up once at app.xpensy.in with your WhatsApp number. After that you log expenses by messaging Xpensy on WhatsApp. The web dashboard is optional, for charts and reports.
What should I type to log an expense?
Write what you spent and how much, the way you would tell a friend, for example "chai 20", "petrol 500 kal" or "rent 15000 paid". If you leave out the amount, Xpensy asks for it.
Can I fix a wrong expense from WhatsApp?
Yes. Ask Xpensy in the chat to change or delete an expense, and it confirms the change. You can also edit expenses on the web dashboard.
Writing in Hindi or Hinglish? See the Hinglish expense tracker examples. More answers are in the FAQ.