Track Expenses in Seconds
via Telegram + AI
No bank linking • No ads • No hidden fees
The fastest way to stay on top of your money
- Lightning-fast and smart daily logging - fewer taps, more accuracy
- AI-powered automation with category learning, zero cleanup work.
- Strong privacy and security - Your data is yours and yours only, with strong encryption, NO ads, NO bank linking, NO OTP leaking.
- Transparent pricing - clear free tier, truly premium paid features. NO hidden fees.
- Stress-free workflow - expense logging is not another homework, no judgment, more insight, just a habit to reflect yourself.
Expenses
Budgets
Debts
Lendings
Goals
Subscriptions
Investments
Collaboration
Securities
AI Note
Online Storage
How It Works
From spending money to having it tracked — in under 5 seconds. No app switching needed.
Send a message in Telegram
Type your expense naturally — like texting a friend. Try: "Coffee 50k & lunch 120k yesterday" or "Grab 45k" — any language, any format.
"Coffee 50k & Grab 45k yesterday"
AI understands and categorizes
Our AI parses the amount, category, date, and currency — then applies your custom rules. No manual corrections. It learns your patterns over time.
Food: Coffee $2.50 · Transport: Grab $2.10
Review in your dashboard
Open the app anytime to see charts, budgets, and spending trends. All organized automatically — no spreadsheets, no manual categorization.
📊 Monthly overview · Budget status · Trends
No complex setup. Connect Telegram in 30 seconds.
Try Free for 7 Days — No Credit CardProblems & Solutions
"Stop fighting your finance app. Simple Money Tracker gives your time back."
Speed - Capture expenses in the moment
You just spent money — on coffee, groceries, or a quick ride — and you want to log it right now, before you forget.
Traditional expense tracking often requires multiple steps and complex interfaces that slow you down.
Simple Money Tracker makes it easy.
"Just send a simple message in Telegram, like you're texting a friend:"
"Lunch 150K & Cafe 50K & Market 200K yesterday"
In under 5 seconds, our AI understands it, categorizes it correctly, and saves everything — no app switching, no extra steps.
Smart Auto-Categorization
Accurate expense categorization is important for meaningful financial insights.
Often, manual categorization becomes time-consuming and inconsistent.
Simple Money Tracker helps you get it right from the start.
"You teach the AI once how you want your expenses categorized — in your own way."
After that simple setup, it remembers and applies your rules automatically. No more constant fixes. No more annoying corrections.
Note: If you do not setup custom instructions, AI will automatically detect and categorize expenses to the most suitable category
True Privacy & Full Data Ownership
↑ 🗝️ Click to reveal
People are increasingly worried about their financial data.
They don't want another company storing their entire spending history, reading their transactions, or risking their sensitive information.
Common fears:
- •"What if they sell my data?"
- •"If I link my bank account, they might see my OTP and everything else..."
Simple Money Tracker is built differently.
Encrypted at rest
Your data is protected
Unique encryption key
Only you have access
2FA protection
Two-factor authentication
Single session
One active login only
Honest Pricing – No Gotcha, No Traps
Many users are cautious about financial apps that have unclear pricing models.
Some apps lock features behind subscriptions or have automatic renewals that lead to unexpected charges.
"Users want transparency in pricing and control over their subscriptions..."
Simple Money Tracker is built on trust.
We accept secure payments via PayPal and major credit cards.
We don't want to trick you into paying. We want a long-term relationship based on real value and respect for your money.
Transparent. Fair. Stress-free.
A Real Workflow That Reduces Stress
Expense tracking shouldn't feel like a burden or another chore.
Traditional finance apps can sometimes feel overwhelming with complex interfaces and stressful reporting.
Simple Money Tracker gives you a lighter, calmer way.
Instant logging
Under 5 seconds via Telegram
Clean dashboard
See where money goes
Gentle insights
Weekly reflections
Safe until payday
Peace of mind
No lectures. No guilt. No overwhelm.
It's not another task on your to-do list. It's a simple, respectful tool that helps you understand your spending, reflect naturally, and feel more in control — without the stress.
Everything you need, built in
Core tools for daily tracking. Advanced capabilities when you're ready for more.
Start simple. Add more when needed.
Four core features power 90% of daily use.
Everything else is there when you want to grow.
Telegram Logging
Send a message like you'd text a friend. AI parses amount, category, and date in under 5 seconds — no app switching.
AI Auto-Categorization
Set your custom rules once. The AI learns your patterns and applies them automatically — no more manual corrections.
Smart Dashboard
Visual charts, budget progress, spending breakdowns, and debt summaries — your full financial picture at a glance.
Bank-Level Security
End-to-end AES encryption. No bank linking. 2FA + single-session login. Your data is encrypted even we can't read it.
Need More Than Just Expense Tracking?
A comprehensive financial management suite for modern money management.
Always there when you need it.
Debt & Lending Management
"Track money you owe and money you've lent to others. Get due date reminders and status tracking."
- Monitor all debts and loans
- Automatic due date reminders
- Repayment outlook analysis
Goals, Investments & Subscriptions
"Set financial goals, monitor investment performance, and manage subscriptions."
- Track your savings goals
- Keep track of your subscriptions
- Investment performance metrics
Productivity Tools
"Currency converter, AI-powered note formatting, contacts, and secure storage."
- Daily-update currency conversion
- Markdown note-taking with AI
- Document storage and gallery
Ready to see everything we offer? Let's dive in!
Explore All Features
An Experience Built for You
"We focus on what truly matters: a simple, private, and insightful financial journey."
No Ads, Ever
Enjoy a clean, focused experience. We never sell your data or clutter your screen with ads. Your privacy and peace of mind are our top priorities.
Flexible Payments
No rigid subscriptions. Our payments for Pro access are simple and never auto-renew. You are always in control of what you spend.
Emotional Journal
Go beyond numbers. Our app lets you record the emotions behind your spending, turning your expense log into a meaningful personal diary.
Birthday Gift
As a token of our appreciation for being part of our community, we will gift you 7 days of Pro access on your birthday.
Simple, Transparent Pricing
Choose the plan that works best for you. Always flexible, always fair.
Free
Perfect for getting started
7-day free trial included. No credit card required.
Pro
Pro Features - with the price of a coffe cup
All plans include a 7-day free Pro trial. No credit card required. See full comparison
Frequently Asked Questions
Everything you need to know before getting started.
Yes. Every record is encrypted before it ever reaches our servers. You get a unique personal encryption key. We never link to your bank account, so there is no OTP exposure, no transaction API risk. Two-Factor Authentication (2FA) and single-session login are also available for extra security.
No. The Free plan is fully functional — dashboard, expense tracking, budgeting, AI coach (limited), debt and goal management. When you sign up, you automatically get a 7-day Pro trial so you can explore every feature. No credit card is required to start.
Connect your Telegram account in Settings in under 30 seconds. After that, just message our bot naturally — e.g. 'Coffee 50k & lunch 120k yesterday'. The AI extracts the amount, category, and date, then saves it to your dashboard automatically. You never have to open the app to log an expense.
Yes. You can create custom rules — for example, 'if the message mentions 'Grab', categorize as Transport'. The AI applies your rules first, then falls back to its own intelligent categorization. Over time it handles your most common spending patterns without any manual correction.
You simply continue on the Free plan — no surprise charges. We have no automatic renewals. If you want to keep Pro features, you can purchase 1 month, 6 months, or 12 months at any time. Simple, transparent, completely your choice.
Absolutely. You can log expenses directly in the web dashboard, or use the AI Natural Language input on the header bar (type 'coffee 5.50 yesterday' and press Enter). The Telegram bot is the fastest method, but the app works independently of it.
Three things: (1) Telegram-first logging — log in under 5 seconds without opening an app; (2) No bank linking — your security is never at risk; (3) Honest pricing — purchases with zero auto-renewing traps. Most apps push you toward bank linking or lock basic features behind subscriptions. We don't.
What Our Users Say
"Real stories from people who simplified their finances with our app."
Ready to stop guessing where your money went?
Join thousands tracking smarter. 7-day free trial — no credit card, no auto-renew.
