The personal finance app built for Nepal. Track every expense in NPR, split bills with friends, manage recurring payments, and let AI tell you what actually needs your attention.
Click through the sidebar to explore. A cash flow chart shows where every rupee came from and went, alongside what is coming up, your debts and where you stand.
From logging your morning coffee to tracking gold and stocks, XpenseSync covers the full picture.
Log every transaction with categories, payees, and notes. Filter and search across your full history.
Log recurring bills and subscriptions and get push notifications the day before and the day they are due. Never miss a payment.
Manage multiple bank accounts, credit cards, and loans. See balances at a glance.
Organise spending with custom categories and payees. Understand where your money actually goes.
Visual charts break down your spending by category and period so you can spot patterns instantly.
Record money moved between your own accounts without double-counting it as income or expense.
See where every rupee came from and where it went, down to the payees behind each spending category.
Know where you stand. Net worth, savings rate and financial health in one view.
Live pricing of stocks, gold and silver. Track physical and financial assets to monitor your net worth.
Split expenses with friends and groups. Track who owes what and settle balances with ease.
AI looks at your real spending data and tells you exactly what to fix. Not generic advice, your actual numbers.
Get a payday plan, monthly calendar and budget breakdown built around your actual income and bills.
Going on a trip, sharing a flat, or just grabbing dinner with friends? Create a group, log the expenses, and XpenseSync figures out exactly who owes what and how much.
Your savings rate of 32% is strong. Fixed obligations are well-managed. Focus this month on building your emergency fund to 3 months of expenses.
Current liquid reserves cover ~6 weeks. Aim for 3 months.
NPR 12,400 vs your NPR 9,700 average. Review recent restaurant transactions.
Monthly SIP deductions running consistently. No action needed.
Two built-in AI tools look at your real data and tell you what actually needs your attention this month.
Most finance apps are built for the US or UK market. XpenseSync is built around the realities of managing money in Nepal.
Built around Nepali Rupees. No awkward conversion just to log a daily expense.
Track your stock portfolio with live NEPSE prices updated twice daily on trading days.
Buy and sell gold by the tola in 22K and 24K, tracked with live rates from local sources.
Credit card statements that do not close neatly at month end? Handled exactly as Nepali banks work.
Takes less than 5 minutes to get started.
Add your bank accounts, credit cards, and loans to get a complete picture of your finances.
Log income and expenses with categories and notes. Enter them as they happen.
Create bill-split groups for trips, shared housing, or any shared expense. Track who owes what and settle up when you're ready.
“I built XpenseSync because I couldn't find a finance app that fit how I actually manage money.”
Most apps either want to connect to your bank (which I didn't want), don't support NPR, or are so complex you stop using them after a week. I wanted something I would open every day. Simple enough to log a quick expense, powerful enough to track loans, gold, credit card statements and bills with friends. This is that app.
Start free. Upgrade when you need bill splitting and AI features.
More Pro features coming: bulk import, export and more.
Got questions? We've got answers.
Your banking credentials never touch our servers. Nothing is connected automatically.
XpenseSync does not run ads or sell your financial data to anyone, period.
Entering transactions yourself keeps you aware of every rupee. That awareness is the point.
Stored securely in the cloud. You can export or delete everything at any time.
Create your free account and see how different it feels to actually know where your money is going.