[LEDGER CORE]
Expense tracking
Post transactions across accounts with categories, notes, and clear balances — no SMS or bank-sync claims.
Manual + CSV import
Workspace ledger · Honest features
Take control of your money with clear ledgers
A workspace-scoped ledger for personal, family, and business finance — accounts, budgets, CSV/XLSX import with preview, reports, and confirm-first AI. Honest features only.
No bank credentials storedConfirm-first AI writes₹ Indian Rupee
Liquidity graph ILLUSTRATIVE
Net liquidity node matrix
Illustrative — not live balances
expenu-home-liquidity-graph| Illustrative chrome
Amounts are demo UI — not live balances
[ Detected inflows ]+₹2,39,900/mo
Primary Salary+₹1,85,000
Direct deposit · Verified62% pool
Consulting Retainer+₹42,500
Inbound wire #BBI-8914% pool
Quarterly Dividends+₹12,400
Yield pool reconciled4% pool
Active liquidity matrix
Illustrative net position
₹4,28,450.00
Buffer runway: 4.2 months — sample
[LEDGER_STATUS] SAMPLEDEBIT == CREDIT
Month in: +₹2,10,000Month out: −₹1,42,380Sample chrome
[ Allocations & burns ]−₹92,200/mo
Housing / Rent−₹45,000
Fixed monthlyLocked
Tax & Reserve Vault≈₹22,000
Automated sinking poolVault
Living & Provisions−₹18,400
Adaptive bucket pacingFlexible
Illustrative — not live balances
Explore features →Engineered for precision
Capability without invented bank sync
Every module maps to what Expenu ships today — workspaces, ledgers, imports, budgets, and confirm-first AI.
[CONFIRM-FIRST AI]
Confirm-first AI
Ask Expenu and categorization proposals wait for your confirmation. AI never posts on its own.
You approve writes
[PACING MATRIX]
Budgets & buckets
Category budgets plus Budget Buckets with allocated, used, and remaining — without double-counting.
Honest remaining
[RBAC ISOLATION]
Role-scoped workspaces
Personal, Family, and Business (Office) workspaces with role-scoped visibility — not a fully open shared sheet.
Role-scoped
[FILE INGESTION]
Statement import
CSV / XLSX bank exports with format detection, preview, and confirm. Nothing posts until you approve.
Preview first
[SETTLEMENTS]
Splits & settlements
Split shared spends and track who owes whom inside Family and Business workspaces.
Clear settlements
How it works
From scattered spends to mathematical clarity
Set up accounts
Bank, credit card, cash, wallet — plus credit-card settlement tracking.
Record or import
Quick-add, recurring rules, or CSV/XLSX import with preview before confirm.
Plan and review
Budget Buckets, reports, and AI proposals that wait for your confirmation.
Ledger preview
Every rupee accounted for
Illustrative UI chrome — amounts are not live balances or product claims.
workspace://ledger/personal Illustrative only
Cash position₹4,28,450
This month in+₹2,10,000
This month out−₹1,42,380
| Direction | Description | Account | When | Status | Amount |
|---|---|---|---|---|---|
| IN | Salary · HDFCIncome | HDFC ··4821 | Today | Posted | +₹1,85,000 |
| OUT | Rent · HousingExpense | HDFC ··4821 | Yesterday | Posted | −₹45,000 |
| OUT | Swiggy · DiningExpense | ICICI ··9102 | 2 days ago | Posted | −₹1,240 |
Workspaces
Engineered for your stage of wealth
PERSONAL // 01
Your books, clearly
Accounts, categories, budgets, imports, and reports without shared-member clutter.
₹ INRExplore Personal →
FAMILY // 02
Shared, not fully open
Household workspace with member visibility rules — not everyone sees everything.
₹ INRExplore Family →
BUSINESS // 03
Office ledger + parties
Customers, vendors, and AR/AP on the same Expenu product used for personal books.
₹ INRExplore Business →
Trust
AI proposes. You confirm.
Expenu’s AI does not independently create or edit financial records. Proposals wait for you.
- Natural-language transaction proposals
- Receipt extraction into reviewable proposals
- No silent ledger writes from automation
Free workspace · No bank credentials stored
Ready to master your cash flow?
Create a free workspace and start with honest ledgers — no invented pricing or bank-sync theater.
Confirm-first AICSV / XLSX import preview₹ Indian Rupee