ExpenseFlow AI
Start free trial
AI-powered · 3 months free

The expense tracker that thinks like a CFO, not a spreadsheet.

Skip the signup. Chat our Telegram bot and start logging in seconds — in plain English, any currency, with AI categorisation that learns as you go.

Start 3-month free trial See how it works
● 3 months free — no cardTelegram bot from day one120+ currencies supported
Budget on track
3 categories under target
+$240 saved
vs. last month
portal.expenseflowai.com · dashboard
Good afternoon, Riley
March 1 → March 28
This month
Spent
$2,418
Daily avg
$86
Invested
$620
Daily breakdown
Spending
You're spending 34% more on groceries this week. Set a $180 weekly cap to stay on track for March.
90
Days free — no card
120+
Currencies & live FX
15s
To log an expense via bot
2
Languages — EN & বাংলা
Why ExpenseFlow

Money tools should answer questions, not just collect them.

A focused set of features that turn raw transactions into decisions — without the dashboard fatigue.

AI insights, plain-English

Every month you get a written narrative of where money went, what changed, and what to do next — generated from your real transactions, not templates.

Auto-categorise everything

Type anything — the AI maps it to a canonical category. Edits you make teach it your style. Custom categories supported.

Conversational logging with memory

The bot remembers context mid-conversation. Say "Coffee, 4.20" or "Lunch 850 BDT yesterday" — amount, currency, merchant, and date are parsed automatically.

Multi-currency, two-layer

Base currency (storage) is independent from display currency. Earn in USD, store in BDT, view in EUR. 120+ live FX rates.

Smart confirmation for large amounts

Transactions ≥50,000 BDT trigger a yes/no confirmation prompt before logging. Prevents accidental entries on big transfers.

Natural language date parsing

"Last week", "this month", "last quarter", "yesterday" — all resolve to exact date ranges automatically. No date pickers.

Recurring transactions

Rent, salary, subscriptions auto-logged on schedule. Set up once — the bot handles the rest every billing cycle.

Income, investments & transfers

Track every kind of money movement — expenses, income, transfers, DPS, fixed deposits, and stocks — all in one ledger.

Bilingual + themed

Full English and বাংলা UI. Light / Dark / System theme. PWA offline queue with auto-sync, PDF + Excel exports, 15-day deletion grace period.

Built for

Whoever you are, your money looks different.

ExpenseFlow adapts to the way you actually earn, spend, and save — not the way an accounting textbook wishes you did.

💼

Freelancers with international clients

Bill in USD, pay rent in BDT, save in EUR — without manual math.

  • Base + display currency split
  • 120+ live FX rates
  • Tax-season PDF/Excel exports
🏠

Households tracking fixed + variable

Salary in, rent and utilities out, groceries in between — automated.

  • Recurring transactions for bills
  • Soft & hard budget caps
  • Daily allowance forecasting
📊

Investors with mixed portfolios

DPS, fixed deposits, stocks, and crypto in one place alongside spending.

  • Investment + DPS + FD categories
  • Portfolio totals & anomaly detection
  • 15-day deletion grace
🌐

Bilingual users in BD & SA

Full English and বাংলা UI, BDT-first, bKash & Nagad-ready.

  • English + বাংলা translations
  • Light / Dark / System themes
  • PWA install, offline queue
AI Summary

A finance director in your pocket, writing the monthly report you've been avoiding.

ExpenseFlow reads your full ledger and writes a short narrative: what changed, what's unusual, and where you can claw back the most without lifestyle pain.

  • Narrative summary in seconds, on demand
  • Highlights anomalies and double-charges automatically
  • Suggests realistic budgets based on your last 90 days
  • Exports as a clean PDF for accountants or partners
R
How did I do on dining this month?
AI
You spent $412 on dining — 18% above your average. Most of it (62%) was weekend dinners over $40.
Budget$350
Actual$412
Top venueKotori (×4)
Over by+$62
R
Set a cap for next month at $320.
AI
Done. I'll ping you at $260 (80%) and again at $304 (95%). 🎯
How it works

Start on Telegram. See everything on the web.

01

Chat the Telegram bot

Message @ExpenseFlowAI_bot, send /start, and log your first expense in plain English — no signup, no form, no card.

02

AI categorises instantly

Type "Coffee 4.20" or "Lunch 850 BDT yesterday" — the AI parses the amount, currency, merchant, and date. You confirm only when it's ambiguous.

03

Open the web dashboard

Link your Telegram account to get budgets, heatmaps, AI monthly summaries, and multi-currency insights — all synced from your bot conversations.

Get started in 60 seconds

Telegram-first. 3 months free, no card.

Skip the signup forms. Chat the bot, log expenses, get daily digests — full access on every surface for 90 days.

9:41
ExpenseFlow Bot
online · responds in seconds
Today
/start 9:38
Hi 👋 Welcome to ExpenseFlow. Your Telegram ID:
847 593 102
Your 6-digit code:
4 7 9 2 3 1
9:38
Coffee, 4.20, this morning 9:40
✓ Logged
Amount$4.20
CategoryFood & Drink
WhenToday, 8:15 AM
March total$2,422
9:40
Message ExpenseFlow Bot…
Skip the website entirely during your trial — just chat the bot. Free for 90 days
1

Open Telegram

On any device — iPhone, Android, web.telegram.org, or desktop. Search @ExpenseFlowAI_bot.

2

Send /start

The bot replies with a welcome and the commands you can use. If your Telegram ID is on the allowlist, you're in — instantly.

3

Log your first expense

Type naturally: Coffee, 4.20 · Lunch 850 BDT yesterday · /summary this month. The bot parses amount, category, merchant, and date.

4

Get a daily digestoptional

Run /schedule_summary at 9am and the bot DMs you a plain-English summary every morning. Stop with /cancel_summary.

Open in TelegramSee commands
3 months free — no card
No email or password to set up
Works on every Telegram client
Read-only access forever, even after trial
Available everywhere

One PWA. Installs like a native app on every phone.

No App Store fees. No update lag. Offline-ready service worker, push-style alerts, and home-screen icon — on iOS and Android.

iOS — iPhone & iPad
Safari · 30 seconds
1
Open portal.expenseflowai.com in Safari (Chrome won't work for install).
2
Tap the Share button at the bottom of the screen.
3
Scroll and choose Add to Home Screen.
4
Tap Add. The icon appears alongside your apps — opens full-screen, no browser bars.
Push alerts via Web Push (iOS 16.4+)PWA
Android — All devices
Chrome · One tap install
1
Open portal.expenseflowai.com in Chrome, Edge, or Brave.
2
An Install app banner appears automatically. Tap it.
3
No banner? Open the ⋮ menu and choose Install app or Add to Home screen.
4
Confirm. The app launches with a splash screen and its own task-switcher card.
Web Push, badges & share-targetPWA
Web & Desktop
Any modern browser
1
Sign in at portal.expenseflowai.com on Mac, Windows, Linux, or ChromeOS.
2
In Chrome / Edge / Arc, click the install icon in the address bar.
3
The dashboard runs in its own window — pin to your dock or taskbar.
4
Keyboard shortcuts everywhere — ⌘K to search, N to add expense.
Works offline · Auto-syncs back onlineRecommended
No App Store fees
Install size < 1 MB
Offline queue + auto-sync
Updates instantly — no app store review
Simple pricing

One product. Three rhythms. Always 3 months free first.

Every plan starts with a full 3-month free trial — Telegram bot and web dashboard, no card required.

Start with 3 months free.
Full access — Telegram bot, web dashboard, AI summaries, everything. Choose a billing rhythm below; you won't be charged until day 90.
90
Days free
0
Card needed
∞
Features
Monthly
Maximum flexibility. Cancel any time, no questions asked.
$3/ month
$3 billed monthly · starts after free trial
Start 3-month trial
Best for
  • Trying ExpenseFlow before committing
  • Variable income or seasonal tracking
  • Pause & resume anytime
Most popular
6 Months
A semester of clarity at a friendlier per-month rate.
$2/ month
$18 $12 every 6 months Save 25%
Start 3-month trial
Includes
  • Everything in Monthly, plus:
  • Priority support via Telegram
  • Early access to new features
Best value
Annual
Lowest per-month rate. Best for committed users.
$1.5/ month
$36 $18 billed annually Save 50%
Start 3-month trial
Includes
  • Everything in 6 months, plus:
  • Lowest per-month price — lock it in
  • Priority support & feature requests

Every plan includes the full ExpenseFlow product

Same features. Different rhythms. No hidden tiers.
  • Unlimited transactions via Telegram bot + web dashboard
  • Unlimited AI categorisation that learns your edits
  • Unlimited AI monthly + on-demand spending summaries
  • Conversational logging with multi-turn memory
  • Natural language date parsing ("last week", "this month")
  • Large-amount confirmation prompt (≥50,000 BDT)
  • Budgets with soft & hard caps and rollovers
  • Recurring transactions — set once, auto-logged
  • Multi-currency with live FX (120+ supported)
  • Base currency storage + independent display currency
  • Income, transfers, investments & DPS tracking
  • PDF + Excel exports
  • 15-day deletion grace period
  • PWA — installs on iOS, Android, desktop
  • Offline queue + auto-sync
  • Full English and বাংলা UI

What happens during & after your 3-month free trial

We'll remind you well before anything is billed.
0
Day 0
Pick a cycle & start free. Full access unlocks on Telegram + web instantly.
30
Month 1
First AI monthly summary delivered to Telegram.
75
Day 75
Friendly reminder: 15 days left. Add a card any time.
90
Day 90
First charge on your chosen cycle. Switch cycles any time — we prorate.
👁
No card?
Read-only mode — view all your data, charts, and history. Add a card whenever you're ready.
Showing prices in USD.Pay with Card · bKash · Nagad
Free for 3 months

Try the full product. No card. No "starter" version.

The trial unlocks every feature for 90 days. If it doesn't change how you think about money, walk away — no charges, no awkward downgrade dance.

Start 3-month trial See features
Questions

Sensible answers, none of the legalese.

Start by messaging our Telegram bot — no card, no email needed. Send /start and your account is active immediately. Finish linking a web account anytime to unlock the full dashboard. Every feature is unlocked for 90 days. When the trial ends, choose monthly, 6-month, or annual to keep going, or export your data and walk away.