X Money: Expense Tracker

Your money should be clear—and private. X Money is an offline expense tracker and budget planner for people who want to understand their spending without creating an account, linking a bank, or sharing personal financial records.

TRACK EXPENSES IN SECONDS

Record expenses, income, refunds, and transfers between your local accounts. Create your own accounts and categories, add notes, then search and filter your activity whenever you need a specific entry.

BUILD A BUDGET THAT FITS REAL LIFE

Set an overall monthly budget and category limits for food, housing, shopping, transport, or anything else. See budget progress, upcoming recurring transactions, and a practical “safe to spend today” guide based on the records you enter.

SEE WHERE YOUR MONEY GOES

Turn daily entries into a useful personal finance overview. Review balances, monthly cash flow, spending by category, and clear insights that help you notice patterns and make more intentional choices.

PRIVATE AND OFFLINE BY DESIGN

X Money works without an account or bank connection. There are no ads, analytics, or developer-operated cloud accounts. Your working records stay in the app’s local sandbox instead of being transmitted to us.

BACK UP ON YOUR TERMS

Create a password-protected encrypted .xmoney backup that you can restore later, or export a readable CSV file for your own records. Export and restore happen only when you choose a file through your device’s system sharing or file picker. You control where exported files go and are responsible for keeping them and their passwords safe.

BUILT FOR EVERYDAY MONEY MANAGEMENT

• Fast income and expense tracking
• Custom accounts and categories
• Monthly and category budget planning
• Recurring transactions and upcoming items
• Search and flexible activity filters
• Spending insights and cash-flow summaries
• Optional biometric or device-credential App Lock
• Hide amounts when using the app around others
• Light and dark appearance
• Password-protected backup and restore
• CSV export
• Delete all app data from Settings

NO SUBSCRIPTION OR UPSELLS

X Money is a paid download with every current feature included. There is no recurring subscription, advertising, or premium tier inside the app.

X Money is a manual record-keeping and budgeting tool. It does not connect to financial institutions, hold funds, initiate payments, transfer real money, or provide financial advice. Balances, budgets, insights, and safe-to-spend guidance depend entirely on the information you enter.