Personal budget planner
Exp Planner keeps your plan for the month next to what you actually spend, and turns both into one number you can rely on: how much you can spend today without feeling it next week.
New accounts are by invitation for now.Ask for an invitationsupport@expplanner.com
Early access by invitation, free · Data stored in the EU · No ads
Safe to spend
Start with your own money on your everyday accounts. Take away the bills that are still to come, taxes due, what you’re putting aside, and a small safety buffer. What’s left is safe to spend, split across the days left in the month. Owe something on a credit card? A second figure shows what’s left once it’s paid, and while a statement is due, the daily amount comes from that one. Open “How it’s counted” in the app and every line is there.
Budget
Give each category a limit for the month and watch spending fill it. A pace marker tells you when you’re spending faster than the month is going. Leftovers can roll over to next month, and when a month ends, a short review shows where the income went before you close it.
How it works
Bills and reminders
Plan rent, subscriptions and your salary once. They’re taken out of Safe to spend before the money leaves, they sit on a calendar, and they mark themselves paid when the matching transaction comes in. A reminder arrives before each one is due, on the web and on Android.
How it works
Import from your bank
Exp Planner never connects to your bank. Download a statement as CSV or Excel from any bank, drop it in, check the preview, and import. Rows you already have are caught, your rules fill in the categories, and one tap undoes the whole import if something looks off.
How it works
Credit shows as what you owe, never as money you have, with what’s left of the limit and a bar that turns amber, then red.
How it worksAmount, category, done. Your recent payees are one tap away, and amount fields do sums like 12.50+3.20. On Android, a home-screen widget shows today’s Safe to spend with a + to add.
How it works
On Android, the app can read Google Wallet’s payment notifications, and only those, to add each tap-to-pay purchase for you to review. On iPhone, a Shortcut does the same for Apple Pay.
How it worksScreens you’ve opened lately open offline too. Quick add, Mark paid and the other everyday actions wait on your device and sync as soon as you’re back online.
How it worksChoose the currency you budget in and keep accounts in others. Spending abroad is converted at that day’s rate, and both amounts are kept.
Insurance once a year, a holiday, a new laptop: put a little aside every month, and the payment doesn’t land on one month alone.
How it worksPlan against actual, this month against last, cash flow, a forecast up to a year ahead with “Can I afford this?”, your money’s flow from income to categories, and more.
How it works
Describe a tax once: a share of your income, a fixed amount, or both, by month, quarter or year. You see what you owe and when, and the amount is added to that month’s budget.
How it works
One account on every device: what you add on your phone is on your computer too.
Works in any modern browser, on a computer or a phone. Add it to your home screen and it opens in its own window, like an app.
The full app, with what only a phone can do. Google Play comes next; until then, testers get it straight from us.
The iPhone app is on its way. Today, open the web app in Safari and add it to your Home Screen. A Shortcut can log your Apple Pay purchases.
A budget knows a lot about you. Here’s what Exp Planner does with that.
Your data is kept in a database in the European Union, and only your account can read it.
There are no ads in Exp Planner, and your data is never sold or handed to advertisers.
You bring your statements yourself. The app never asks for the password to your bank.
Export everything as JSON or your transactions as CSV whenever you like, and delete your account with all its data from Settings.
Early access
Free
Exp Planner is free while it’s in early access. Paid plans will come later, and you’ll hear about them before anything changes.
While Exp Planner is in early access, new accounts are by invitation. Write to support@expplanner.com to ask for one. Once you’re invited, sign in with Google or with your email and a code, the same way every time.
No. You download a statement from your bank (CSV or Excel) and import it. The app reads the columns, catches rows you already have and fills in categories with your rules. On Android you can share a statement to Exp Planner straight from your bank’s app or your email.
Any bank that lets you download a statement as CSV or Excel. Revolut’s format is recognised as is; for any other file you match the columns once, and the app remembers them for next time.
Your own money on your everyday accounts, minus the bills still to pay this month, what you’re putting aside in funds, and your safety buffer. It’s also shown per day for the days left. If you owe on a credit card, a second figure shows what’s left after paying it.
In a database in the European Union. Only your account can read your data. You can export all of it or delete your account at any time.
Mostly. Screens you’ve opened in the last two weeks open without a connection, and everyday actions like adding a purchase or marking a bill paid wait on your device until you’re back online.
Yes. You budget in one currency and can keep accounts in others. Purchases in other currencies are converted at the rate of their day.
It’s coming. In the meantime the web app works well on an iPhone: open it in Safari and choose Share → Add to Home Screen.
The app itself is in English for now. This site is in English and Russian, and more languages will follow.
Nothing while Exp Planner is in early access. Paid plans will come later, and you’ll be told well before anything changes.