Expenso vs Balano

Expenso is a personal finance app that helps you understand your money and plan ahead, without a lot of setup or spreadsheets. It works fully offline with no account required, so your data stays on your device. Now with smart, on-device suggestions that learn from you — logging is faster and your insights are sharper, all without your data ever leaving your phone. Whether you're trying to spend less, save more, or just stop wondering where the month went, Expenso keeps the whole picture in one place. TRACK YOUR SPENDING Log a purchase in a few seconds from any screen. As you type what you bought, Expenso suggests the category for you — it learns from your own history and recognises common shops from the very first day, so most logs are just a tap to confirm (nothing is ever saved without you). Search your history by keyword, filter by category, and jump back to any past month. Buying something later this month? Add it with a future date and it counts toward your projected balance right away, then becomes a regular transaction on the day it happens. SMARTER, AND STILL PRIVATE Expenso includes on-device intelligence that learns only from your own history — no account, no cloud, nothing shared. It suggests categories as you log, gives you an honest month-end forecast as a realistic range rather than a single number, and can quietly flag a category that's running unusually high for you. Every bit of it runs on your phone, offline. PLAN THE MONTH Set up your income, recurring bills, subscriptions, and savings in the Planner, and Expenso rolls it all into a projected month-end balance. You'll know where you'll land before the month is over, not after. Income is recorded month by month, so a raise or a lost income source never rewrites your past numbers. BUILD YOUR SAVINGS Set a target amount and a date, then log contributions as you go. Expenso tracks your progress and tells you plainly whether each goal is on track, needs attention, or at risk. A monthly check-in helps you keep the habit going, and skipping a month is fine when things are tight. WISHLIST Add the things you're thinking about buying with a price and a category. Expenso weighs your budget, your recent spending, and your savings commitments, then gives each item a straight answer: buy now, wait, or save first. CATEGORIES YOUR WAY Build your own spending categories with the icon and colour you want. Set a monthly budget for each one and watch the progress bars fill as you spend. FINANCIAL HEALTH SCORE A single score from 0 to 100, built from your savings rate, budget adherence, expense coverage, spending trend, and balance direction. It gives you an honest read on how you're doing and what to work on next. Tap the info icon to see exactly how it's calculated. MONTHLY INSIGHTS - Projected net balance, month by month - A realistic month-end forecast range, so you can see where you'll land - A heads-up when a category is running unusually high for you - Spending against budget for every category - Daily average spend - A six-month spending trend - A year-in-review summary each year MORE - Optional notifications for upcoming transactions, a weekly spending recap, wishlist alerts, unusual-spending alerts, and bill reminders - Dark and light themes - Any currency you like - Export your transactions as CSV - Full account control: change your password, sign out, or delete your account FREE TO USE Every feature in Expenso is free, and all of it works offline with no account. That means budgeting, transaction tracking, categories, planning, savings goals, insights, the health score, and notifications, at no cost. Optional Cloud Sync, to back up your data and keep it in sync across devices, is coming soon.

Balano helps you see not only how much money you have today, but where your money is headed tomorrow. The app is built to create a financial projection based on two simple inputs: your current cash (wallet) and your planned future income and expenses (plan). Instead of guessing, you see a timeline of how your balance will change. Enter the amount of money you have right now. This is your starting point. Add your future income and expenses, such as salary, bills, rent, subscriptions, one-time payments, or any planned transactions. Balano calculates how these affect your balance over time. You can clearly see when your money increases, when it decreases, and how long your balance can last with your current plan. Problems become visible before they happen, so that you can change your plan early. Balano is built for flexibility. There is no forced structure, no templates, and no predefined rules about how your finances should work. You decide what income is, what expenses are, when it happens, and how often it repeats.
 Balano adapts to your life, not the other way around. Most finance apps focus on the past. Balano focuses on the future. Instead of reviewing history, you design your financial path and preview the result. The app is simple by design. No complex accounting. No financial jargon. No unnecessary screens. Everything is focused on clarity and speed. Your data stays private. Your financial information is not shared, sold, or used for advertising. Balano is for people who want to understand their future balance instead of reacting too late.