ExtMoney

You earn money. But are you actually getting richer? Cards, cash, deposits, and a few currencies — ExtMoney pulls it all into one living net-worth picture, logged by voice, receipt photo, or statement import instead of a manual routine. WHY YOUR MONEY NEVER ADDS UP Money scattered across cards, cash, and currencies with no single place to see what you actually own. Expense trackers you use for two weeks before the manual routine wins. Shared spreadsheets where nobody really knows where it went. Apps that shut down or leave your region, taking your history with them. ONE PICTURE OF YOUR MONEY Track cash, bank accounts, credit cards, deposits with compound interest, and loans — in as many currencies as you actually use, converted at live and historical rates. See your net worth and its trend over time, plus how currency swings would move it. Not another expense stream — an actual bottom line. LOG IT WITHOUT THE GRIND Say it out loud — "coffee, three fifty, on my credit card" — or photograph a receipt, and ExtMoney drafts the transaction for you to confirm. Works in English, Russian, German, Spanish, and French. Recurring income and bills post themselves on schedule. Nothing is written to your books without your confirmation. PRIVATE BY DESIGN We make money from subscriptions, never from your data — no ads, no tracking, no resale. Your data is hosted in the EU, encrypted with TLS 1.3 in transit and AES-256 at rest, protected by two-factor authentication, with no telemetry. Export everything, anytime, in open formats. Delete your account and it's actually gone. You control exactly what voice, receipt scanning, AI, and marketing are allowed to do, and can withdraw that anytime. BUDGETS WITHOUT THE ARGUMENTS Create a workspace and invite your family or team. Everyone gets their own login; private and shared accounts sit in one feed, so you can see who spent what and who's contributed to the common pool, with a full edit history. HONEST, NOT HYPED, INSIGHTS Anomaly detection is free and purely statistical — no AI required. Add AI Insights for a plain-language explanation of what changed and why, plus a weekly digest, without ever letting AI decide what your numbers say. Math does the deciding; AI only explains. SWITCHING FROM MINT, YNAB, MONARCH, OR COPILOT? Bring your history with you — CSV import, or a one-pass ZenMoney import for accounts, tags, and transactions. Pick up right where you left off. Start free — no card required, set up in two minutes. See what your money actually looks like, all in one place. Terms of Use (EULA): https://extmoney.com/en/terms Privacy Policy: https://extmoney.com/en/policy