ExpenseSumo - Manual Expense Tracking Without Bank Login

Track your money privately, without bank login or bloat.

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Updated Jul 2026 · Added Jul 2026

expensesumo.com

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What is Expensesumo?

ExpenseSumo is a privacy-first expense tracker that lets you log transactions manually without linking your bank account. It works entirely in your browser, helping you build spending awareness through intentional logging while tracking multiple accounts, budgets, and currencies. Perfect for solo budgeters, expats, freelancers, and anyone who values financial privacy over automation.

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Key Features of Expensesumo

Multi-Account Support (cash, credit, loans, mortgages, IOUs)
Budgets That Don't Lie (monthly limits with clear status)
Multi-Currency Tracking (transfer between currencies with adjustable rates)
Recurring Transactions (auto-log salary, rent, subscriptions)
True Net Worth calculation (updated in real-time)
Privacy by Design (no bank logins or card data stored)
Free Forever plan (up to 2 accounts)
Browser-based (no app download required)

Who Should Use Expensesumo?

Track spending for solo budgeters managing single currency

Manage multi-currency accounts for expats and remote earners

Separate income streams for freelancers and side hustlers

Track shared expenses and IOUs with friends and family

Monitor net worth across multiple account types

Build spending awareness through manual transaction logging

Expensesumo: Pros & Cons

✓Pros

Free forever plan with no expiration
No bank login required - complete privacy
No trackers or data selling to third parties
Simple, focused feature set (no bloat)
Handles multi-currency seamlessly
True net worth calculation
Recurring transactions auto-log on schedule
Works entirely in browser
No credit card required to start

Frequently Asked Questions about Expensesumo

Can I track accounts in different currencies without converting everything to one base currency?

Yes. ExpenseSumo handles multi-currency tracking natively and lets you set custom exchange rates for transfers between accounts. You see each account in its own currency while calculating true net worth across all of them at once.

What happens to my data if I stop paying for Pro?

You can use the Free Forever plan indefinitely with up to 2 accounts at no cost. If you downgrade from Pro, your data stays intact; you simply lose access to features beyond the free tier. ExpenseSumo stores nothing on external servers and runs in your browser, so your spending history remains yours.

Does ExpenseSumo work offline or do I need internet every time I log a transaction?

The product description does not specify offline functionality. Check their site to confirm whether transactions sync to a server or stay purely local to your browser.

Can I set up recurring transactions like salary deposits or monthly rent so they log automatically?

Yes. ExpenseSumo supports recurring transactions that auto-log on schedule, which is useful for predictable expenses like rent and subscriptions or regular income like salary. You still log one-off purchases manually to stay intentional about your spending.