ETExpense Tracker
Privacy-first, EU-hosted

Talk to your money.Own your data.

Upload a bank statement. The AI categorizes every line, finds your transfers, and answers questions in plain language.

Start free trialSelf-host (AGPL)
The dashboard: net for the month, a six-month trend, account balance, and a spending breakdown by category

EU-friendly

GDPR-aware. Data stays on a server you can audit (or run yourself).

Privacy-first

No email, no name, no tracker. Sign up with an account number.

AI-native

Chat that can recategorize 200 transactions in one prompt, with undo.

Built for the phone in your pocket.

Same data, same categories, same assistant. Install it to your home screen and check where the month stands while you are still standing at the counter.

  • Installable as a PWA, no app store
  • Log a cash spend in two taps
  • Uploads keep running if you close the tab
Try it on your phone
The dashboard on a phone, showing the month's net figure above a spending breakdown

Three things it does well.

Upload, ask, own. Everything else is a knob on one of those three.

Upload statements, get structure.

Drop in CSV, PDF, or XLSX from any bank. The parser reads the file, normalizes dates and amounts across formats, finds transfers between your own accounts, and writes structured rows you can search, filter, and export.

  • CSV, PDF, XLSX: same pipeline for all of them
  • Transfer detection across accounts (no double-counting)
  • Three-layer dedup against statements you already uploaded
The upload screen, with a drop target for bank statement files

Talk to your money.

Ask the assistant to recategorize, merge, split, or annotate. It can change 200 transactions in one prompt and every change is undoable from a single page. The full audit log is yours: exportable, inspectable, reversible.

  • Bulk recategorize from natural-language prompts
  • Every AI action writes an undo entry
  • Preferences you teach it persist across new statements
The transactions list, every row carrying a category and an account

Privacy-first authentication.

Sign up with no email, no name, no phone. We mint an account number, a Mullvad-style identifier you keep safe and use to log in. Want a recovery email? Optional. Want to host it yourself? AGPL, one Docker container.

No email signup required, account-number identity
Optional recovery email; otherwise we know nothing about you
Self-host the whole stack with a single docker-compose file
AGPLv3, so the hosted build and yours are the same build

Eight bucks a month.

Or sixty a year. That’s the whole pitch.

Monthly

$8/ month

Pay as you go. 14-day trial, no credit card.

Best value

Annual

$60/ year

Save 37% vs monthly. Same trial. Same easy cancel.

See all tiers (Supporter, Patron, Lifetime)

Why not ChatGPT Personal Finance?

Different product, different priorities. Three places they diverge.

Geography

EU-friendly. Server in Europe, GDPR rights baked in (export + delete).

US-first SaaS. Plaid covers North America; the EU experience is patchy.

Ingestion

Upload statements (CSV / PDF / XLSX) from any bank. No bank credentials shared.

Bank-sync only. If your bank isn’t supported, you’re stuck.

Data ownership

AGPL self-host option. Export everything as JSON. Delete everything in one click.

Closed source. Your data trains models you can’t inspect.

Start your 14-day free trial.

No credit card. No email. Upload one statement, ask one question.

Start free trialSee pricing