Expense Tracker & Budget AI

Track UPI & cash spending in 3 sec. AI insights, SMS import, no bank login. Free

Track every expense in 3 seconds — with AI insights and total privacy.

Velzio is the AI expense tracker, budget planner and money manager designed around one principle: your financial data belongs to you. Log any spend in seconds, get AI-powered insights, auto-import bank SMS and UPI — all without a single account, login or bank sync. 100% offline.

★ FASTEST EXPENSE LOGGING IN THE CATEGORY
Type "coffee 4.50", "chai 30" or "salary 50000". Velzio auto-detects category, amount and whether it's expense or income. Natural language parsing in English & Hindi. 740+ keywords. Learns your patterns over time. No forms. No dropdowns.

★ AI MONEY INSIGHTS — ACTUALLY USEFUL
Ask "where did my money go this week?" — get a plain-English answer from your real spending. No other expense tracker offers this.
- Weekly AI spending reports
- Overspend alerts when categories spike 30%+
- Chat with your money in English or Hindi
- Financial health score (0–100)
- Smart suggestions to grow savings
- Auto-generated month-end summary

★ COMPLETE PERSONAL FINANCE
Expense tracker, budget planner, money manager, daily expense tracker, spending tracker, salary tracker, income tracker, savings tracker, EMI tracker, subscription tracker, credit card expense tracker, bill tracker, cash book and khata app — all in one.

★ UPI & BANK SMS AUTO-IMPORT
Auto-detects UPI and bank transactions from SMS. Works with HDFC, SBI, ICICI, Axis, Kotak, Yes Bank, IDFC, PNB, BoB, Canara, Indian Bank, plus PhonePe, GPay, Paytm, BHIM, Amazon Pay, CRED, MobiKwik. Major international banks supported via SMS pattern recognition. Every detection queued for your approval.

★ RECEIPT SCANNER
Point your camera at any receipt or bill. On-device ML extracts the amount instantly. Receipts never leave your phone.

★ BUDGET PLANNER & SAVINGS GOALS
Set monthly budgets by category with visual progress bars. Track savings goals, EMIs, SIPs, rent, insurance and recurring subscriptions. Daily streaks and milestone cards keep you logging.

★ SMART ANALYTICS
50+ built-in categories. Monthly summaries, income vs expense charts, category donut, top spends, daily patterns. The personal finance dashboard you'd build in Excel — automatic.

★ PRIVACY-FIRST (THE REAL DIFFERENCE)
No signup. No bank login. No data ever sent to a server. AI uses only category summaries — never your individual transactions. Biometric + PIN lock. The only AI expense tracker that works 100% offline.

Most expense trackers ask you to connect your bank or sign up with email. Velzio doesn't. The privacy of pen-and-paper, with the power of AI.

★ MULTI-CURRENCY + INR
Works with INR, USD, EUR, GBP, IDR, BRL and 50+ more currencies. Travel-ready.

★ 10 LANGUAGES
English, हिंदी (Hindi), Spanish, Portuguese, French, German, Italian, Turkish, Indonesian, Russian.

★ PERFECT FOR
- Students tracking pocket money and hostel spends
- Freelancers separating business and personal expenses
- Salaried professionals managing EMIs, SIPs, rent
- Families running a shared monthly budget
- Small business owners tracking daily cash flow and cash book
- Anyone switching from Mint, Monarch, YNAB, Walnut, Axio, Money Manager, Wallet, Monefy or Excel

★ FREE FOREVER
Full expense tracker is free, forever. ₹149 / $1.99 one-time to remove ads. AI Pro (₹499 / $5.99 month) unlocks unlimited AI chats.

★ PERMISSIONS — PLAIN ENGLISH
- SMS (optional): only for bank & UPI transaction detection. We do NOT read personal messages.
- Camera: only for receipt scanning, on-device, never uploaded.

★ GET STARTED IN 30 SECONDS
1. Download — no signup
2. Type "lunch 250"
3. Done. You're tracking.

Velzio — the smartest AI expense tracker, money manager and budget planner. Built for people who want their finance data to stay theirs.