Take control of every expense, yours and the ones you share
Photograph a receipt and it fills itself in. Split costs with flatmates, a trip, or your team and see who owes what. Ask plain questions about your spending and get straight answers.
Free to start · No card required · Export your data any time
Everything you need to manage money
A complete picture of your finances, in one place.
Snap a receipt
Photograph a receipt and the merchant, amount and date are read off it. Check the details and save. Every field stays editable.
Smart Budgets
Set category-level budgets and receive real-time alerts before you overspend.
Answers about your own money
Ask where your money went this month, or what changed since last month. Answers come from your own transactions, not generic advice.
Smart Alerts
Stay informed with customisable notifications for bills, budget limits, and unusual activity.
Works on your phone
Built for a phone screen as much as a desktop. Add it to your iPhone home screen and it runs full-screen, like an app.
Your data, handled carefully
Passwords hashed with bcrypt, HTTPS everywhere, and short-lived tokens you can revoke. We never connect to your bank.
Get started in minutes
Three simple steps to take full control of your finances.
Create Your Account
Sign up in seconds. No credit card required. Your free plan is ready immediately.
Add your spending
Type it in, photograph the receipt, or import a CSV from your bank. Recurring bills only need setting up once.
See what changed
Budget alerts before you overspend, and a monthly read on where the money actually went.
Questions worth asking
Straight answers about what EMS does today.
- Is it really free?
- Yes. Every feature currently in the product is available on the free plan, with no card required. Paid plans are still being built. When they launch we will say clearly what changes, and we will not move something you already rely on behind a paywall without warning.
- Do you connect to my bank account?
- No. EMS has no bank integration and does not ask for banking credentials. You add transactions yourself, import a CSV, or photograph a receipt and let it fill in the details. That means a little more effort than an aggregator. It also means there is no banking connection to breach.
- What does the AI actually do?
- Two things today. It reads receipts you photograph and pulls out the merchant, amount and date, and it answers questions about your own spending in plain language. Both run on a Groq-hosted open model. It is a convenience over your data, not financial advice, and it can be wrong. Every extracted field stays editable before you save.
- Can I get my data out?
- Any time, in CSV, Excel or PDF, from the reports screen. Exports are generated on demand from your live data. There is no paid tier required to leave, and no export cap.
- What happens if I delete my account?
- Your records are erased, not flagged as hidden. That covers transactions, budgets, categories, wallets, loans, contacts, shared pools, insights, notifications and sessions. Where the database supports it the erasure runs as a single transaction, so it either completes or does nothing. Export first if you want a copy; deletion cannot be undone.
- Does it handle more than one currency?
- Yes. You pick a base currency, and transactions in other currencies are converted using the rate at the time you record them. That rate is stored on the transaction, so last year’s totals do not silently change when exchange rates move.
- Is there a version for teams or businesses?
- Not yet, and we would rather say so than sell you a roadmap. What exists today is shared expense pools. They are useful for splitting costs with flatmates, a trip, or a couple of colleagues. Proper company features like approvals, policies and reimbursements are not built. If that is what you need, tell us and we will keep you posted rather than take your money now.
- Which devices does it work on?
- The web app runs in any modern browser and is built for phone screens as well as desktop. On iPhone and iPad you can add it to your home screen and it runs full-screen like an app. Native mobile apps are in development.
Simple, transparent pricing
Start free, upgrade when you need more.
Free
$0/mo
Everything in EMS today, at no cost.
- Unlimited transactions
- Budgets and category alerts
- Receipt scanning
- Ask questions about your spending
- Export to CSV, Excel and PDF
- Web, plus iOS and Android home-screen app
Pro
$4.99/mo
Planned, for heavier personal use.
- Higher receipt-scanning limits
- Deeper spending analysis
- Recurring-payment detection
- Longer report history
Not yet available. Create a free account and we'll tell you when it is.
Teams
TBC
In development, for shared and company spending.
- Shared workspaces
- Expense approvals
- Spending policies
- Reimbursement tracking
Not yet available. Create a free account and we'll tell you when it is.
Where EMS fits, and where it doesn't
Most people already use something. Here is where we help and where you're better off elsewhere.
| What you want | EMS | A spreadsheet | Bill-splitting apps | Business expense tools |
|---|---|---|---|---|
| Track your own spending | Categories, budgets and alerts, on web and phone | Works, but every row is typed by hand | Built for group balances, not for your own spending | Usually built around company spend, not personal |
| Enter an expense quickly | Photograph the receipt and the details are read off it | Manual entry every time | Manual entry, sometimes with a receipt photo attached | Generally strong, because scanning is table stakes |
| Split costs with other people | Shared pools with equal, excluded or custom splits, and settle-up | Possible, but you maintain the maths yourself | This is exactly what they do, and they do it well | Not the use case |
| Keep your share in your own records | Your split lands in your personal ledger automatically | Only if you copy it across | Group balances usually live apart from personal budgeting | Company books, not yours |
| Ask questions about your money | Plain-language answers drawn from your own transactions | Formulas and pivot tables, if you know them | Not offered | Reporting is typically dashboards rather than questions |
| Approvals, policies, reimbursements | Not built yet, so tell us what you need | Email threads and hope | Not offered | This is their core strength, so use one of these |
| Get your data out | CSV, Excel and PDF on every plan, including free | It is already your file | Varies by product | Usually available, often on paid tiers |
If you need approval chains, corporate cards or accounting integrations today, a dedicated business expense tool will serve you better and we'd rather say so. EMS is for tracking your own money and the money you share.
Ready to take control of your finances?
Free to start, no card required. Add your first expense in under a minute.
Take EMS with you
Track expenses on the go, or use EMS right in your browser.
Android
Download the APK and install it directly. You may need to allow installs from unknown sources.
Coming sooniPhone & iPad
Open EMS in Safari and tap Share → Add to Home Screen. It runs full-screen, just like an app.
Open web app