Know who owes what.
Track lending, borrowing and repayments, then share a reminder when it is needed.
© ™Financial clarity pays off.
Know your money.
Keep it yours.
Financial clarity without giving away your financial data.
Track spending, review transactions, plan budgets and keep lending, borrowing and goals in view — with your financial ledger stored on your device.
Your own ledger. Groups you choose to share. Optional encrypted backup.
© ™ A clearer picture starts with you.
A little more understanding
More than a record of what you spent.
Know where it went. Keep the details accurate. Decide what comes next.
Your month, at a glance.
See spending, income, lending and budget progress together on your home screen.
© ™Capture → Review → Understand
Good decisions start with good records.
A useful financial picture starts with the details you trust.
© ™Capture the everyday.
Add transactions yourself, or allow on-device SMS detection on Android. Your records begin on your device.
Review before you rely on it.
Use the Review Queue to check detected transactions, confirm the details and correct categories. Better records make your financial picture more useful.
Turn records into understanding.
Bring categories, accounts and budgets together. See where your money went, what changed and where you want to go next.
Personal records, clearly explained
See the detail without losing the picture.
Focused views for lending, shared group costs and the categories behind each budget.
Lending has a history.
Track lending, borrowing, repayments and settlements person by person. Share a repayment reminder through WhatsApp when you choose.
© ™Private by default. Shared when you say so.
A group stays on your phone until you invite someone with a link or QR code. Once shared, every change syncs with its history visible. Group Zone adds your new transactions to the group while it is active.
© ™See what sits inside the total.
Open a budget category to compare subcategories, check your pace and move straight to the transactions behind it.
© ™Understand → Plan → Act → Maintain
Turn clarity into your next step.
Understand the whole picture.
See your spending across accounts and categories. Spot your biggest slice, compare income and expenses, and make sense of the month with recaps.
© ™Give every plan a starting point.
Set category budgets and savings goals. Separate the progress you’ve made from the room you have left, so your next step is clear.
© ™Keep every account understandable.
See outstanding balance, available credit, utilization, payment dates and the current bill cycle together, without losing the transaction history behind them.
© ™The details that bring it together
One place for your financial picture.
Capture & organize
- On-device SMS transaction detection on Android
- Transaction Review Queue
- Quick manual transaction entry
- Cash, bank & credit-card accounts
- Custom categories & subcategories
- Transaction search & filters
- Private or shared groups & Group Zone
- Flexible expense splitting
Understand & share
- Category-wise spending breakdowns
- Spending totals by account
- Income, expense & refund summaries
- Spending pace & habit insights
- Monthly financial summaries
- Filtered statement exports
- Lent, Borrow, repayment & settlement history
- User-initiated WhatsApp reminder sharing
Plan & protect
- Monthly & category budgets
- Subcategory budget insights
- Daily budget guidance
- Savings goals & contribution planning
- Bill & repayment reminders
- Credit utilization & billing cycles
- Encrypted on-device records & App Lock
- Encrypted Drive backup & restore
Built around everyday money
From this month’s bills to tomorrow’s plans.
- On-device SMS capture
- Smart Review Queue
- Quick manual entry
- Accounts in one view
- Custom categories
- Search & filters
- Group Zone automation
- Flexible expense splits
- Category breakdowns
- Spend by account
- Income & refund summaries
- Daily spending pace
- Habit leak insights
- Monthly summaries
- Filtered statement exports
- Credit utilization
- Private or shared groups
- Lent & Borrow tracking
- Repayment history
- WhatsApp reminder sharing
- Bill & repayment reminders
- Category budget plans
- Savings goal plans
- Encrypted backup & restore
Private by design
Your money.
Your data.
Your device.
Your financial ledger stays on your device. Backing up and sharing a group are your choices, and a shared group is encrypted so only its members can read it.
Understand your privacyLocal financial records
Transactions, accounts, budgets, goals and personal ledgers are kept in an encrypted database on your device. They are never uploaded to an ePurse server.
Groups: share only if you choose
A group stays on your phone unless you invite someone. Share one, and its names and amounts are encrypted on your phone first, so the group service can’t read them. Lent & Borrow records stay with you.
Backup on your terms
Choose when to make an encrypted backup to your own Google Drive. Restore with your password or recovery key when you need it.
Security & backup →A few things worth knowing
Clear answers, too.
Is ePurse a bank or a payment app?
No. ePurse helps you record and understand your finances. It does not connect directly to your bank to move money. A repayment or settlement records what happened; it does not send a payment.
Can other people see my Groups or Lent & Borrow records?
Only if you choose. Groups stay on your phone unless you invite someone, and sharing is entirely up to you. Once you share a group, its members see and can update its expenses and balances, and the details are end-to-end encrypted so ePurse can’t read them. Lent & Borrow records and the rest of your ledger stay on your device. A WhatsApp repayment reminder is sent only when you choose.
How does transaction capture work?
You can add transactions manually. On Android, with SMS permission, ePurse can detect transactions from bank messages on your device. Check detected entries in the Review Queue and correct their categories when needed.
Does Google sign-in sync my financial data?
No. Google sign-in identifies you in the app; it does not upload your ledger. Only groups you choose to share sync, between their members. Encrypted Google Drive backup is a separate action, and restoring a backup is not continuous device-to-device sync.
What happens if I change or lose my phone?
If you made an encrypted Drive backup, you can restore it using the same Google account and your backup password or recovery key. Keep those credentials safe. Groups you share catch up from the other members once you restore. Without a usable backup, local records may be lost with the device.
Does deleting my account remove my Drive backups?
No. Settings → Delete Account clears app data on your phone, deletes your shared-group account if you have one, and disconnects your Google account. Previously created Drive backups must be deleted separately. The Delete account page explains every step.
Still have a question? Talk to support
Coming soon to Android
Financial clarity pays off.
We’re getting ready for its public release.
See the current app screens while the store listing is being prepared.