Works offline
Adding, scanning receipts, the dashboard, the AI chat and export all work in airplane mode. Only searching for and downloading AI models needs the internet.
For iPhone and iPhone Duo
Every expense, understood.Without leaving your iPhone.
Xpensia makes your expenses easy. Scan a receipt or an invoice, or add an expense in seconds, then ask the AI about your money and export your data whenever you want. All of it works offline, on your iPhone. Sync with your own iCloud only if you want it.
- Works offline
- AI on the device
- Scans receipts and invoices
- iCloud optional
Offline and local
Your money stays with you. On your iPhone, offline.
Expenses say a lot about a life. Xpensia keeps them where they belong: on your iPhone, protected by iOS. No account to create, no server of ours, nothing collected. And if you want your data on more than one device, it syncs only with your own private iCloud.
On the device, protected
Everything you enter lives on your iPhone, under iOS data protection. Receipts are read on the device too.
iCloud, if you choose
Sync with my iCloud is off until you turn it on. Then your data goes to your own private iCloud, which Apple keeps for you; we never receive it.
Nothing collected
No account, no analytics, no advertising, no tracking. The App Store label says it: Data Not Collected.
What leaves your iPhone
- Your expenses, receipts and chats
- Never, unless you turn on sync with your own iCloud
- To Hugging Face
- Only search words and model names, when you look for or download an AI model
- To us
- Nothing. Not even when something goes wrong
Settings ▸ Delete all my data erases everything on the iPhone, and in your iCloud when sync is on. Privacy
AI that stays on the device
Ask about your money. In your own words.
How much went on restaurants this month? What grew the most this year? Xpensia’s assistant answers from the expenses you recorded, with figures it looks up, never invented. It runs on your iPhone, so your questions and your data stay there.
Xpensia AIExample with sample dataHow much did I spend on restaurants this month?
From your recorded expenses
$186.40 in Restaurants this month, across 9 expenses. That is $41.10 more than at this point last month.
Ask about your expenses
Two engines, both on your iPhone
Apple Intelligence
The model Apple runs on the iPhone itself. Xpensia always uses the on-device model and never Private Cloud Compute.
iOS 26, on an iPhone with Apple IntelligenceOpen models
Download an open model from Hugging Face and run it on the iPhone with Apple’s MLX. Suggested sizes for your iPhone, search, background downloads, as many as you like.
Gemma, Qwen, Llama, Phi… 0.3–2 GB eachAnswers from your data
It looks up totals, categories, monthly trends and individual expenses, and reports exactly what it finds.
A memory you control
“Remember that…” and it keeps the note for later answers. Review or delete each note at any time.
Saved chats
Pick up any conversation where you left it.
Your language
It replies in the language you ask in.
Off until you want it
The assistant is off by default. Turn it on in Settings when you are ready.
Honest by design
It talks only about your recorded expenses. “AI can make mistakes. Not financial advice.” is always in view.
Receipts and invoices
Point the camera. The expense fills itself in.
Scan a receipt, a bill or an invoice, or choose a photo. Xpensia reads it on your iPhone, finds the total and the date, suggests the category and fills in the expense for you to check and save. The image stays with the expense.
- 01
Scan or choose a photo
Apple’s document camera finds the edges of the page and straightens it. Or pick an image from your photos.
- 02
Read on your iPhone
The text is recognized on the device, not on a server.
- 03
Understood by the AI
With the assistant on, the AI checks that it is a real receipt, bill or invoice and pulls out the total, the date and a category. With it off, Xpensia’s own reader finds them.
- 04
Check and save
Everything arrives filled in and editable. The receipt image is kept with the expense.
Cards too: scan a bank card and Xpensia fills in its details.
Data export
Your data is yours. Take it anywhere.
Choose the dates and the format, and share the file wherever you want: a spreadsheet, another app, your accountant, your archive.
- Any date range, from one day to years
- Shared from the iPhone with the usual share sheet
- No account and no lock-in: your data leaves when you decide
- CSVFor spreadsheets
- JSONStructured, for other tools
- TextPlain and readable
- PDFA report to share or print
Easy to use
Simple to keep up. Clear at a glance.
Adding an expense takes seconds, and the dashboard turns your expenses into answers. One Week / Month / Year selector drives every screen: key figures on top, every day of the period in a heat map, and the charts that explain the numbers.
Add in seconds
A numpad, one category panel with search, your recent choices and a category suggested from earlier expenses with the same note.
Spending heat map
One square per day, darker when you spent more. Habits show at once.
Key figures
Total, daily average, the change against the same point of the previous period, income, net, savings rate and top category.
Categories
A chart by category with drill-down into subcategories, and a comparison of what costs you most.
Trends and cash flow
Spending over time by week and month, income against expenses, and how much goes through each account and card.
Forecasts
Where spending is heading, with Smart Auto, linear regression, exponential moving average or polynomial trend.
iPhone Duo
Folded, it’s an iPhone. Open, it’s a desk.
Xpensia adapts as you unfold the iPhone Duo. Folded, the usual tabs. Open, two panes side by side: add an expense on the left and watch the dashboard on the right change at once.
Two panes, one flow
The left pane switches between Quick Add and Home; the right between Dashboard, Accounts, AI Chat and Settings.
Live on both sides
Saving an expense on the left updates the right pane immediately.
Turn and share the screen
Portrait and landscape, and split view next to another app. A large iPhone in landscape gets the two panes too.
- iPhone Duo · Folded
- Two panes · large iPhone in landscape
Everything else
Built for every day
One category panel
Search categories and subcategories at once, create them on the spot, without duplicates.
Accounts and cards
Every bank account and card in one place. Scan a card to fill in its details.
Ten languages
English, Spanish, German, French, Italian, Japanese, Korean, Dutch, Portuguese and Simplified Chinese.
Your expenses, your iPhone, your call.
Xpensia is coming soon to the App Store for iPhone and iPhone Duo.
Coming soon to the App StoreQuestions or ideas? Write to us.
Requirements
- Xpensia
- iPhone with iOS 17 or later, iPhone Duo included
- Apple Intelligence
- iOS 26 on an iPhone with Apple Intelligence turned on
- Open models
- A real iPhone and 0.3–2 GB of free space per model
- iCloud sync
- Optional; signed in to iCloud on each iPhone