Expense tracker · Free in open beta

Expense tracker app that sorts bank files by your own rules

Import a statement from your online banking, photograph a receipt or type a purchase in. Finman marks duplicates, gives each expense a category from the merchant code or description keywords, lets your rules sort what lands in Other, and keeps budgets, subscriptions and reports up to date from the same list.

Track my expenses free How import works
$0 in open beta CSV · OFX · QFX Works offline
Chart-style line drawing of a sorting machine that takes in a strip of statement slips and drops them into separate trays
Statement lines in, sorted trays out: your rules sort what lands in Other.

What it does

Three ways in, one sorted list of expenses

Short answer

Finman tracks expenses from three sources: CSV, OFX or QFX statement files from your bank, receipt photos, and manual entry, which also works offline. Each import is previewed with duplicates marked; categories come from the merchant code or keywords, and your rules sort what is left in Other. Every feature is free during the open beta, and file import needs no bank password.

Start free How to track expenses, step by step

  • Price now$0 with no card while Finman is in open beta.
  • After the betaFree plan ($0): accounts and transactions, budgets and goals, and CSV import. Pro ($9 a month) adds the AI finance assistant, bank sync and anomaly detection.
  • FilesCSV, OFX, QFX and QBO statements from online banking.
  • BanksLayouts for RBC, TD, CIBC, Scotiabank, BMO, Tangerine, Wealthsimple, EQ Bank, Revolut and Wise; monobank also connects directly.
  • WhereIn the browser on Android, iPhone and desktop; it installs to the home screen.

What’s included

From a statement file to a category you trust

The work an expense tracker saves you is the sorting. Finman does it with rules you can read and change, so the same purchase lands in the same place every month.

  1. 01

    Statement import with a preview

    Upload a CSV, OFX, QFX or QBO file. Finman detects the layout, shows a preview table and saves nothing until you confirm. Most Canadian bank layouts come from published descriptions, so check the first rows of the preview the first time. Guide: importing a bank statement CSV.

  2. 02

    Duplicates marked before saving

    Rows repeated inside the file and rows already in Finman are flagged in the preview, so importing overlapping months does not count a purchase twice.

  3. 03

    Your rules sort the rest

    A rule matches the description, the category or the amount with contains, equals, greater than, less than or a regex, and sets a category. Rules run in your priority order and the first match wins. One Apply rules click runs them on every uncategorized expense, as often as you like.

  4. 04

    Merchant codes and keywords

    On import, Finman uses the merchant category code when the statement carries one (monobank does) or keywords in the description, in English, Ukrainian and Russian. You can add your own categories.

  5. 05

    Receipt photos

    With AI features on, an OpenAI GPT model reads the merchant, total, date and line items and suggests a category. With them off, text recognition on Finman’s server reads the merchant, total and date. You check the fields and save. More in how to scan receipts with your phone.

  6. 06

    Offline entry

    Expenses you type in without a connection wait in a queue on the device and are sent in order when the connection returns, with a queued, syncing or synced status on each.

  7. 07

    What the list feeds

    Budgets flag a category at 80% or when the pace will break it; the subscription detector finds repeating charges; anomaly flags catch a large transaction, a duplicate charge or a subscription price rise; reports and the forecast use the same transactions.

  8. 08

    Export any time

    Download transactions as CSV, all data as JSON, or a Beancount ledger file.

How it works

The path of one expense

Whether it arrives in a statement file, from a receipt photo or from your thumb on the bus, every expense goes through the same checks before it reaches your budget.

  1. 01 →Comes inStatement file, receipt photo, manual or offline entry
  2. 02 →PreviewDates, amounts, duplicates marked
  3. 03 →CategoryMerchant code, then keywords; your rules sort Other
  4. 04 →You confirmChange any category; nothing is final
  5. 05Budgets and reportsLimits, subscriptions, anomalies, forecast
How Finman turns a statement line or a receipt into a categorized expense.
Example rules
IfThen category
Description contains NETFLIXSubscriptions
Description regex UBER|LYFTTransport
Description contains COSTCO GASFuel
Amount greater than 1500Large purchases (your own)

Example rules. Put the narrow ones first: with the first-match order, “COSTCO GAS” above a general “COSTCO” rule sends fuel and groceries to different categories.

A monthly routine that holds

Download last month’s statement file from each bank, import it, and look only at the rows left in “Other”. Each merchant you cover with a rule is filed by one Apply rules click after later imports, so the pile shrinks month by month.

Cash and card purchases you want to log on the spot go in by hand or by receipt photo, offline if needed. Keep those in a separate cash or wallet account, or skip them in the preview when the card statement arrives: the duplicate check matches rows with the same date, amount and description.

Import my first statement

Setup, time and price

Your first month of expenses

Setup time depends on how many accounts you bring in and how tidy the bank descriptions are. The first import takes the longest; after that, rules do most of the sorting.

  1. 01

    Create your accounts

    One per bank account or card, each in its own currency.

  2. 02

    Import a statement

    CSV, OFX or QFX from online banking. Bank-by-bank notes for Canada: Finman in Canada.

  3. 03

    Write rules for what landed in Other

    Start with the merchants you see every month.

  4. 04

    Set budgets

    Monthly, weekly or custom limits per category, with alerts at 80%.

  5. 05

    Price

    $0 during the open beta, no card. After it, the Free plan stays at $0 and Pro is planned at $9 a month; payments are not switched on yet. See all plans.

Fit check

Who this expense tracker suits

  1. 01

    People who prefer files to bank logins

    Apart from monobank, banks reach Finman through statement files you download. Your bank password never goes to Finman; the trade-off is one import per account each month. Compared in bank sync vs manual entry vs file import.

  2. 02

    Households and individuals

    Finman is a personal and household finance app. Keep business spending in its own account and categories; team expense reports, approvals and reimbursements belong to business expense software.

  3. 03

    Receipt keepers

    Clear, flat photos read best. With AI features on, the photo goes from Finman’s server to the OpenAI model; with them off, it is read on Finman’s server.

  4. 04

    Anyone who wants budgets from the same data

    Expenses feed budgets, subscriptions, debts, the forecast and the AI CFO chat, so one list serves all of them.

FAQ

Expense tracker questions

Comparing apps? Read best expense tracker apps or how apps categorize transactions.

What is the best expense tracking app?
The best fit depends on how you pay and whether you want a bank login in the app. Finman suits people who import statement files or type expenses in, sort them with their own rules and want budgets, debts and net worth in the same app. Our comparison of the best expense tracker apps groups the options by how you pay.
Can Finman track expenses automatically?
Sorting is mostly automatic: every imported transaction gets a category from the merchant code or keywords, and your rules sort what is left in Other with one Apply rules click. Getting transactions in takes a statement file import for most banks; monobank connects directly with a personal API token.
Is there an app to track expenses and receipts together?
Yes. In Finman you photograph a receipt, check the merchant, total and date it reads, and save it as a transaction in the same list as your imported expenses. With AI features on it also reads line items and suggests a category.
Do I need to give Finman my bank password?
File import works with CSV, OFX or QFX files you download from online banking yourself, so your bank password stays with you. monobank uses a personal API token, and manual entry needs no bank at all.
Does the expense tracker work offline?
Yes for entering expenses. Transactions you add without a connection are kept on the device and sent in order when the connection returns, with a status on each. Import, receipt reading and the AI features need a connection.
Is Finman free as an expense tracker?
During the open beta every feature is free with no card. After it, the Free plan stays at $0 with accounts and transactions, budgets and goals, and CSV import; Pro at $9 a month adds the AI finance assistant, bank sync and anomaly detection.
Can I use it as an expense management app for my business?
Finman is built for personal and household money. A freelancer can keep business spending in its own account and categories and export it as CSV, but team expense reports, approvals and reimbursements are outside what Finman does.

Bring last month’s expenses in today

Free during the open beta, no card. Sign up with email or Google, import a statement file and let your rules sort it.

Track my expenses free