Xavier — Expense Tracker

Xavier is an expense tracker that does one thing differently: it keeps everything on your iPhone. No account to create, no cloud to sync to, no analytics, no ads. You just tell it what you spent. JUST SAY IT Type or paste what happened — "lunch 12.50 at Subway," "SGD 40 taxi," "coffee 4.20" — and Xavier turns it into a clean transaction. The parsing runs on-device with Apple Intelligence, so your words stay on your phone — unless you choose to connect your own OpenAI or Anthropic account. Every entry shows you a confirmation card before it's saved, so nothing is logged without your OK. BUDGETS THAT TALK BACK Set a monthly budget for any category, watch it on the Dashboard, and ask Xavier "can I afford it?" before you spend. PRIVATE BY DESIGN - No sign-up, no email, no account — ever. - No servers of ours. Your financial data never reaches us. - Your database is encrypted at rest on the device. - Optional Face ID lock, off by default — turn it on when you want it. - No third-party tracking or advertising SDKs. - Optional: bring your own OpenAI or Anthropic key. Off by default, and Xavier asks before sending anything. EVERYTHING YOU NEED - Snap or import a receipt and let Xavier read the total. - Recurring transactions for rent, subscriptions, and salary. - A Home Screen widget with this month's income and expense at a glance — which hides itself when your phone is locked. - Multiple accounts (bank, cash, credit card, savings). - Categories, payees, and clear monthly summaries. YOUR DATA, YOUR BACKUP Back up to your own iCloud whenever you like, and restore with a tap. The backup is a copy of your own database in your own iCloud space — not ours. We never see it. BUILT FOR MODERN iPHONE Xavier uses on-device intelligence for the natural-language magic. On devices without it, you can still add and edit everything by hand — the core tracker works for everyone. No subscription. No upsell. Just a private place to see where your money goes.