Personal
Every account has one
Your own money: spending, income, budgets, loans and subscriptions, logged by chat, receipt photo, statement upload or bank sync.
- AI chat and voice
- Statement import
- Bank sync on Premium
- Every currency
The AI that tracks, plans and organizes your money.
It's the end of the month and you can't say where your money went. Tell it what you spent, snap the receipt, upload a statement or turn on bank sync, and every transaction lands sorted, budgeted and explained. For you, your household and your business.
Free on iOS, Android and Telegram. The web app starts at $3 a month, business plans at $20.
100,000+ people have stopped guessing where their money goes.
- Active users
- 100K+
- Transactions tracked
- 2M+
- User rating
- 4.9/5
- Statements imported
- 50K+
Your data is encrypted and never sold, and you can export or delete it any time. Used in 50+ countries, including the USA, the UK, Canada, Germany, India, the UAE, Nigeria, South Africa, Kenya and Ghana.
Don't take our word for it. Ask the AI.
This is the same AI that manages money for 100,000+ people. Ask it anything about Auritrack, or about your own finances.
5 free questions left. Answers are AI-generated, and Auri only sees your numbers inside the app.
Tracking money shouldn't feel like a second job.
If you've downloaded three budgeting apps and abandoned them all by February, it was never a discipline problem. Every finance app promises clarity, then hands you homework: forms, categories, weekly maintenance. Auritrack removes the homework. Message it, snap a receipt, upload a statement or turn on bank sync, and expense tracking, budgeting, and the rest of your finance management happen in the background.
See how it works
Free on mobile. The web app is from $3 a month.
Endless forms and categories
Type or say “40 on lunch” and it is logged and categorised for you.
Spreadsheets that never stay updated
The AI keeps your books current, so there is no sheet to update.
Bank statements you never review
Upload any statement or old spreadsheet and years of history are organized in seconds.
Budgeting apps that feel like work
It logs, sorts and reminds you before bills land. You just read the result.
Your money, your household, your business.
One Auritrack account runs all three, each in its own workspace. Switch between them from the workspace switcher, or pick the workspace in the form when you add an entry. The AI chat always knows which one you mean.
Compare plansHousehold
On Premium, up to 6 people
Shared expenses, income, budgets and accounts for a family or a couple. One Premium subscription covers everyone, and each person keeps their personal workspace private.
- Added by on every entry
- Who spent what
- Shared budgets
- Activity log
Business
From $20 a month, 14-day free trial
A separate workspace for a company or side business. Your team logs expenses with roles that control what each person sees, and you send invoices, approve spending and run business reports.
- Invoices and payments
- Expense approvals
- Vendors and clients
- Team roles
Seven things it does so you don't have to.
Each one takes a finance chore off your hands, from expense tracking to budgets to bookkeeping, that you were never going to keep doing by hand anyway.
Logs it when you tell it
Type “40 on lunch with Sam”, hold the mic and say it, or send a photo of the receipt and every line item is logged. Ask “where did my money go?” and get a straight answer, in the app or on Telegram.
Use it on TelegramImports any financial record
Upload a bank or card statement, an export from another app, or the spreadsheet you kept yourself, as a PDF, CSV or Excel file, from any country and in any currency. The account is created or matched for you, and nothing already imported comes in twice.
About statement importSyncs with your bank
Bank sync on the Premium plan links banks in the US, Canada, Nigeria, Ghana, Kenya and South Africa. Transactions come in every week on their own, and the AI labels and categorises each one.
How bank sync worksPlans budgets and tracks loans
Split a budget across categories and watch each one fill up. Record money you lent or borrowed, log repayments, and always know who still owes what.
Budgeting with AuritrackWarns you before bills land
Repeating charges like Netflix or Spotify are found for you to confirm, and a reminder arrives two days before each one is due. If a charge stops showing up, it tells you it may be cancelled.
Explains your month
A monthly AI report with a health score and charts, a personal insight every Monday on Pro and Premium, side-by-side period comparisons, and Finance Wrapped, a story of your money worth sharing.
Keeps every currency separate
Each transaction stays in the currency it happened in. Totals are shown per currency, with your preferred one first. Nothing is converted behind your back.
Multi-currency budgetingConnect your bank once and it fills itself in.
On the Premium plan, Auritrack connects to banks in the US, Canada, Nigeria, Ghana, Kenya and South Africa. Transactions sync every week, already sorted. Anywhere else, upload a statement or any other financial record and get the same clean books.
- Through Plaid
- United States and Canada
- Through Mono
- Nigeria, Ghana, Kenya and South AfricaSelected banks in Ghana, Kenya and South Africa
- Statement upload
- Any statement or financial record, on every planPDF, CSV or Excel, in any currency
One ordinary day, with zero bookkeeping done by you.
8:12 AM
Coffee on the way in
Snaps the receipt for coffee and a pastry at Cafe Neo
Both items logged under Food a few seconds later. Nothing to type.
1:40 PM
A question over lunch
“How much have I spent on food this week?”
“$124 this week, mostly weekday restaurants. Want the breakdown?”
6:05 PM
Last month, handled
Uploads last month’s bank statement as a PDF
127 transactions pulled out and categorized in 8 seconds.
Sunday
The money talk
“Show me where I can cut back this month”
“Subscriptions total $85/month. Three of them untouched in 60 days.”
Getting started takes two minutes.
Sign up, then log your first expense by chat, upload a statement or turn on bank sync. That's it.
100,000 people stopped guessing.
Rated 4.9/5 by 100,000+ users
“Managing my spending used to feel tedious and overwhelming, but Auritrack made tracking my finances surprisingly fun and effortless.”
“Auritrack is the best budgeting app I've found. The UX is excellent, and I don't need to look for another finance app anymore.”
“Auritrack is easy to use with endless categorization options. I love the AI analytics that help me improve my spending habits.”
“Auritrack is a great way to track finances and expenses. Its usefulness has such great impact that I actively recommend it to anyone who needs a budgeting app.”
“The app helps me track spending patterns and know where to cut down. The percentage chart shows exactly where my money goes each month.”
“Using Auritrack made me realize how much I was overspending. Now I'm more intentional, aware, and disciplined with money.”
Your money story could read like this.
Join 100K+ happy usersThe finance app that works the way you think.
To be clear: if you genuinely enjoy reconciling spreadsheets on a Sunday night, keep the spreadsheet. Auritrack is for people who want to know their numbers without becoming their own accountant.
Logs it however it reaches you
Type it, say it or photograph the receipt. Every line item is logged and categorised, in the app or on Telegram with @auritrack_bot.
Any record, any country
Upload a bank statement, a card export or your old spreadsheet as PDF, CSV or Excel, and AI extracts, cleans, and categorises everything, in any currency. It works on every plan.
AI-native from day one
While other apps retrofitted AI features, Auritrack was built AI-first: chat, receipts, bank sync, statement imports, and plain-English reports share one AI core, not a bolt-on.
Remembers what matters to you
Tell it your payday, or that a certain transfer is rent, and it keeps that in mind for every answer after. Ask it to forget, and it does.
Free on mobile, flexible upgrades
The iOS, Android and Telegram apps are free, with pay-as-you-go Auricoins that never expire. The web app starts at $3/month, and bank sync comes with Premium at $20/month.
AI explains your money
Traditional apps show dashboards; Auritrack explains what they mean in everyday language, like a financial advisor in your pocket.
Leave whenever you like. You won't want to.
- Import from YNAB, Mint & anywhere
- Export PDF/CSV anytime
- PDF reports
- Delete your account in one click
Free finance tools. No signup.
Not ready for an app? Start here: 14 free calculators and planners to budget, save, invest, and pay off debt. No account, no catch.
Explore all 14 free toolsCompound Interest Calculator
See how your money grows with daily, monthly, or yearly compounding.
Budget Planner
Create a monthly budget using the 50/30/20 rule or custom categories.
Loan & EMI Calculator
Calculate monthly payments, view amortization schedules, and compare loans.
Debt Payoff Planner
Compare snowball vs avalanche methods and find your debt-free date.
Savings Goal Calculator
Find out how much to save each month to reach your target by your deadline.
Net Worth Calculator
Add up assets and liabilities to see your total net worth instantly.
Native apps. Same AI everywhere.
Android
Log it the moment you spend it. Snap the receipt, say what happened, and move on with the rest of your day.
iOS
Ask before you spend, not after. “Can I afford this?” gets a real answer while you’re still standing in the shop.
Also on the web and inside Telegram, with one account that keeps everything in sync.
Everything people ask before they switch.
The honest answers, from how the AI works to what happens when you leave.
Auritrack is an AI expense tracker, budget app, and bookkeeper for individuals and small businesses. Tell it what you spent in plain English, like "40 on lunch with Sam under food", send a voice note or a photo of a receipt, or upload a statement, spreadsheet or any other financial record as a PDF, CSV or Excel file. The AI labels and categorises each transaction, skips duplicates, finds your subscriptions and reminds you before they charge. It also plans budgets, tracks money you lend or borrow, keeps every currency separate, and sends monthly AI reports that explain where your money went. On the Premium plan, bank sync brings transactions in on their own. It works on web, mobile, and inside Telegram.
Yes, and it is the fastest way in. Type several transactions in one message, hold the mic and say them, send a receipt photo and every line item is logged, or paste your M-PESA texts and Auritrack skips any it has already seen. It works in the app and on Telegram, and you can ask it to edit, delete or recategorise entries the same way.
Yes, on every plan, from any country and in any currency. Upload a bank or card statement, an export from a wallet or another budgeting app, or the spreadsheet where you used to log expenses, as a PDF, CSV or Excel file, and Auritrack's AI extracts all transactions, cleans up messy descriptions, and categorises them. The account is created for you, or matched to one you already have, and anything already imported or synced from your bank is skipped. You can import months or even years of history in one go. Imports use Auricoins because they need AI processing.
Yes, on the Premium plan. You can connect banks in the US and Canada (through Plaid) and in Nigeria, Ghana, Kenya and South Africa (through Mono). In Ghana, Kenya and South Africa only selected banks are available. If your bank is somewhere else, upload a statement and Auritrack does the rest. See the supported countries page for the current list.
Yes. As transactions come in, whether you logged, imported or synced them, it looks for repeating charges and asks you to confirm or dismiss them. Once confirmed, it sends a reminder two days before the next charge, and flags any that stop showing up, since they may have been cancelled.
Yes. Alongside AI expense tracking and bookkeeping, Auritrack is a full budgeting app. Set budgets by category, let the AI suggest a budget based on your income (including frameworks like the 50/30/20 rule), and get a heads-up when you are about to overspend. Every expense you log, snap or import counts against the right category straight away. Ask 'How much is left in my food budget this month?' and get an answer straight away. You can also use our free Budget Planner tool with no signup to build a plan in minutes.
Yes. Record a loan as money you lent or borrowed, add a due date if there is one, and log repayments as they come. Auritrack works out the outstanding balance and marks the loan paid or overdue on its own. You can also just say "John paid back 200" in the chat.
Auritrack's AI doesn't just store your data, it explains it in clear, everyday language. Ask questions like 'Where did most of my money go last month?' and get answers like 'You spent 45% on food, mostly at restaurants on weekends.' Ask 'What subscriptions am I paying for?' and see a clean list with the ones you have not used flagged. Each month you can get a PDF report by email with a financial health score, charts and an AI review of your spending. On Pro and Premium, a personal insight arrives every Monday comparing your last week with your usual ones. Compare puts any two periods side by side, and Finance Wrapped turns a period into a visual story you can share.
Each transaction keeps its own currency. Totals are shown per currency, with your preferred currency first. Nothing is converted behind your back.
The Auritrack mobile apps (iOS and Android) and the Telegram bot are free: expense tracking, budgets, manual entry, and your data cost nothing, forever, with no card required. The web app needs a subscription from $3/month, after a 1-day free trial. Premium AI features come two ways: subscribe for monthly Auricoin grants and included features (Plus at $3/month, Pro at $8/month, or Premium at $20/month, with two months free on annual billing), or stay pay-as-you-go with Auricoins that never expire. Bank connections and households are only on Premium. Business plans are separate: Starter at $20 (₦15,000), Growth at $50 (₦40,000) and Scale at $130 (₦100,000) a month, billed on the web, with a 14-day free Growth trial. See the pricing page for the full plan comparison.
Auricoins are in-app credits for premium AI features in Auritrack. You get free Auricoins as a welcome bonus when you sign up, and you can earn more by referring friends or completing activities in the app. Use Auricoins for smart file imports (uploading bank PDFs/CSVs for AI extraction), extra bank syncs beyond the weekly one, deeper financial insights, and predictive analytics. There are two ways to get more: subscribe to a plan (Plus, Pro, or Premium) for a monthly Auricoin grant plus included premium features, or purchase Auricoins pay-as-you-go in the app or through our Telegram bot. Coins from a plan refill each billing cycle; purchased Auricoins never expire.
The Auritrack Telegram bot brings expense tracking into your chat app. Start a conversation with @auritrack_bot and you can log expenses, track income, create budgets, manage billers and givers, and ask questions about your finances without leaving Telegram. Say things like 'How much did I spend on transport this week?' or 'Send me a summary of today's expenses' and the AI replies. The bot uses the same Auritrack account, so transactions from bank sync and statements show up there too.
Manual tracking is available and free on the iOS and Android apps and on Telegram (the web app needs a subscription from $3/month). You can use Auritrack's manual entry forms to log expenses, income, budgets, billers, and givers without using any AI features or Auricoins. You can mix methods too: upload statements for the bulk of it, and log cash by hand or by chat. The basic mobile and Telegram app is free forever.
Auritrack is for anyone tired of manual expense tracking and spreadsheets. Message it, snap receipts or upload statements instead of filling in forms. Professionals and salary earners get their spending sorted without daily logging. Small business owners and freelancers use it to turn messy statements and spreadsheets into organised books and track several income sources. People with money in more than one currency get separate totals for each. Telegram users can keep their tracker inside their chat app.
Yes. Upload a bank statement, spreadsheet or any financial record (PDF, CSV, or Excel), on any plan, or log as you go by chat or receipt photo. On the Premium plan you can also connect your bank (United States, Canada, Nigeria, Ghana, Kenya and South Africa) and transactions sync every week on their own. The AI extracts every transaction, cleans up messy descriptions, categorises income and expenses, pairs transfers between your own accounts, removes duplicates, and keeps your books organised. You can generate clean PDF reports for your accountant or records anytime.
Yes. A business gets its own workspace, separate from your personal money. Your team logs expenses with roles (owner, admin, manager, accountant, member, viewer), and members see only their own entries. You send invoices with tax and line items, record payments, track vendors and clients, set expense approval rules, and run business reports such as profit and loss and cash flow. Business plans start at $20 (₦15,000) a month, billed on the web, and every business you create gets a 14-day free trial of Growth with no card. Freelancers who only need a light setup can track side income in their personal workspace.
Yes. On Premium you can create a household for up to 6 people: you plus up to 5 members invited by email. One Premium subscription covers everyone. The household shares expenses, income, budgets, accounts and categories, every entry shows who added it, and the dashboard shows who spent what. Each person keeps their own personal workspace, and nothing personal is shared.
Yes. If you're coming from YNAB, Mint, Monarch, or any other finance app, export your data as a CSV or Excel file from your current app and upload it to Auritrack. The import maps your categories, cleans up transaction descriptions, and organises everything. Years of financial history can come across in one upload, so you don't lose anything when you switch.
Yes. Your data is always yours. Export your complete financial history anytime as formatted PDF reports or raw CSV files for spreadsheet use. PDF reports are print-ready and suit loan applications, accountants, or personal records. CSV exports give you full control for your own analysis. There are no limits on exports.
Yes. Auritrack encrypts your data in transit and at rest, and AI processing runs on our servers with strict access controls. We never sell your data, and it is never used to train models for other users. Bank connections run through Plaid (the US and Canada) or Mono (Nigeria, Ghana, Kenya and South Africa). You log in on their screen, so Auritrack never sees your bank password. The connection is read-only, access tokens are stored encrypted, and you can disconnect at any time. Linking a bank is optional: statement upload works without it.
We believe you should stay because you want to, not because you're trapped. Deleting your account is one click in your settings, and your account is permanently removed along with all your data, including any bank connections. No retention tricks. Before deleting, you can export all your data so nothing is lost.
No. Bank connections are part of Premium ($20 a month or $200 a year). Statement uploads and chat work on every plan.
Yes. Statement upload works for every bank in every country, in any currency. Upload a PDF, CSV or Excel file and Auritrack creates the account, sorts every transaction and skips anything it has already seen.
Once a week automatically, included in Premium. You can choose a more frequent schedule or press "Sync now", which uses Auricoins.
No. You log in on Plaid's or Mono's screen. Auritrack receives read-only access to balances and transactions and cannot move money.
No. When money moves between two accounts you have connected, Auritrack pairs the two sides and leaves them out of income, spending and budgets. You can undo a match.
Auritrack matches them by account and skips duplicates, in both directions. The same goes for anything you logged by chat.
Syncing pauses. Your accounts and history stay. Reconnect by upgrading to Premium again.
Your money story starts today.
Start with one sentence, like “spent 20 on lunch”. Free on iOS, Android and Telegram.
