A free expense tracker.
Here's exactly what's free.

What the free plan includes

These are the words of the Free card on the home page, with what they mean in practice:

• No card. Signing up asks for no payment details, so there's nothing to cancel later.
• Transactions. Log income and expenses in your own categories and subcategories, in the web app or in the app installed on your phone.
• Bot & Mini App. Send @honestexp_bot an amount, tap a category, done — the same account as the web app. How the bot works.
• CSV import. Bring your history along: exports from ten popular apps are recognised and imported for free.
• History. Free shows a limited window of recent months. Older entries aren't deleted — nothing is ever deleted because of your plan.

Budgets, goals, debts and recurring operations are on Free too; a few things, such as the number of accounts, have smaller limits there.

7 days of Pro to start — no card

Every new account starts with 7 days of Pro: everything in Lifetime, plus 20 AI actions of your own. That's enough to try the parts Free doesn't cover — logging by voice, receipt photos, the AI assistant, CSV export, Apple Pay tracking on iPhone.

When the trial ends, the account simply moves to Free. There's no card on file, so nothing is charged and nothing switches to a subscription behind your back. Everything you entered stays.

What's paid — and why

The Lifetime card on the home page lists what one payment of 19 $ adds:

• Unlimited accounts, unlimited history and unlimited analytics.
• CSV import and export — your whole history, out to any spreadsheet.
• The Apple Pay connection and the MCP server for Claude or ChatGPT.
• Custom styles, and 50 AI actions to try the AI features.

Daily AI use is a separate plan, 5,99 $ a month or 47,88 $ a year, because every AI action costs real money at the AI provider. The same goes for recognising bank statements and screenshots: it uses AI actions.

Where's the catch? No data sales, no bank login

A free plan raises a fair question: who pays? Here it's the people who buy a plan — not anyone buying your data. Your transactions and income are never sold: not to banks, lenders or data brokers. What data the app keeps and why.

Free also doesn't mean «connect your bank and we'll do the rest». There's no bank connection on any plan; you log spending yourself, and the app makes that take seconds.

When Lifetime makes sense

Stay on Free as long as it's enough. Lifetime is worth it when one of these starts to matter:

• You want to compare this year with last year, so you need the full history.
• You keep more accounts than Free allows — card, cash, savings, a second bank.
• You want your data in a spreadsheet: CSV export.
• You pay with Apple Pay and want those purchases to log themselves.

It's one payment, no subscription. The details, including the refund window, are on the Lifetime page.

Start free in two minutes

1. Create an account — no card.
2. Add your accounts with today's balances.
3. Log a few days of spending in the app or the bot.
4. Before the trial ends, decide: Free, Lifetime or nothing at all.

Everything else, including all three plans side by side, is on the home page.

Questions

Read next

• Log expenses by voice. One sentence, several transactions.
• Track Apple Pay purchases automatically. Pay in a shop — the expense records itself.
• Automatic expense tracking on Android. Pay with any card — the expense records itself.
• An expense tracker in Telegram. With a full app behind it.
• An expense tracker without a bank link. You log it — in seconds.
• How to track your expenses. And still be doing it in three months.