Track every rupee.
In your own language.
بس بولیں، حساب خود بن جائے گا
Type or say “chai 150, petrol 3000 JazzCash se” — Self Expense turns English, Urdu and Roman Urdu into a clean ledger with real account balances, udhaar tracking and budgets.
- languages, one sentence
- 3
- languages, one sentence
- entry types
- 9
- entry types
- offline ledger
- 100%
- offline ledger
- to get started
- Rs 0
- to get started
Assalam o Alaikum 👋
Add with AI
Built for the way Pakistan pays
- HBL
- Meezan Bank
- JazzCash
- EasyPaisa
- SadaPay
- NayaPay
- UBL
- Bank Alfalah
- MCB
- Allied Bank
- Standard Chartered
- Cash Wallet
A real personal-finance ledger, not just a list of expenses.
Accounts with real balances, transfers that never double count, udhaar with repayments, budgets and a full-year view — the spreadsheet you always meant to keep, done for you.
AI that speaks your language
Type or say it the way you talk — English, Urdu script, Roman Urdu, or all three in one sentence. Self Expense turns it into clean, reviewable entries.
Voice entry
Tap the mic and say “do hazar ka petrol aur 500 ki sabzi”. Done before the signal turns green.
Real accounts, real balances
HBL, JazzCash, EasyPaisa, SadaPay, cash — every account keeps its own running balance, with opening balances and archiving.
Udhaar & loan tracker
Loans given and taken, partial repayments, outstanding balance and status — always derived from your actual entries.
- A
Ali
Given · 2 repayments
Rs 3,000
- B
Bilal
Given · open
Rs 2,500
- S
Sara
Taken · 1 repayment
Rs 10,000
Transfers that never double count
Moving money between your own accounts writes both sides atomically. Edit one side, both update. Your totals stay honest.
Budgets that warn you early
Set a monthly budget per category. See ON TRACK, NEAR LIMIT at 90%, or OVER BUDGET before month-end surprises.
- GroceriesNEAR LIMIT
- FuelON TRACK
- Eating outOVER BUDGET
Annual overview
A spreadsheet-style year at a glance: every category, every month, income vs. expenses — perfect for tax season and Zakat planning.
Excel export & import
Export a full workbook — ledger, accounts, loans, budgets, yearly grid — or bring your old spreadsheet in.
Offline-first
Load-shedding, no signal, out of data? Your ledger works fully offline. AI requests queue and retry safely when you're back.
Write it like a WhatsApp message.
Get a perfect ledger.
One message, many transactions. Self Expense knows your accounts, your open loans, and the difference between a purchase and a total.
You type or say
Self Expense proposes
- −
Chai
ExpenseWallet · Food & Drinks
Rs 150
- −
Petrol
ExpenseJazzCash · Fuel
Rs 3,000
- −
Ali
Loan GivenWallet · New loan · receivable
Rs 5,000
Mix languages freely
Urdu script, Roman Urdu and English in the same sentence.
Or just speak
Voice entry feeds the same pipeline — perfect at the counter or on the road.
Never guesses
“1500 ya 1800 yaad nahi”? It asks. Missing accounts and loans are never invented.
From install to insight in under five minutes.
- 1
Install & sign in
Google or email. Pick Pakistan — PKR, Karachi time and local banks are set for you.
- 2
Add your accounts
HBL, JazzCash, EasyPaisa, SadaPay and Wallet are ready. Enter opening balances.
- 3
Log it your way
Tap + for a quick form, or type / speak a sentence and let AI draft the entries.
- 4
Review & confirm
Nothing reaches your ledger until you confirm. Balances, budgets and loans update instantly.
One app, every kind of Pakistani wallet.
Freelancers, shopkeepers, families and students — see how Self Expense fits real money routines.
Illustrative scenarios showing how Self Expense's features fit common routines.
Your money is your business. Literally.
Self Expense is offline-first. Your ledger stays on your phone and works without internet — even during load-shedding.
On-device ledger
Every transaction lives in a database on your phone — not on our servers.
AI sees text, not history
Only the sentence you're entering is sent for parsing. Nothing is stored after.
Backups you control
Back up to your own Google Drive. Our server only if you explicitly opt in.
No bank logins, ever
We never ask for bank credentials or read your SMS. You stay in charge.
Start free. Go Pro when you're ready.
The full ledger is free forever. Pro unlocks AI & voice entry and removes every ad — for less than a plate of biryani a month.
Free
Everything you need to track every rupee.
- Unlimited manual entries
- Accounts, transfers & loans (udhaar)
- Monthly budgets & annual overview
- Excel / CSV export & import
- Google Drive backup
- Works fully offline
- Shows ads · no AI or voice entry
Pro
AI that understands Urdu, Roman Urdu & English — and zero ads.
Renews automatically each month. Cancel any time.
- Everything in Free
- AI entry in Urdu, Roman Urdu & English
- Voice entry — just speak your expenses
- Smart transfer & loan detection
- Completely ad-free
- Priority support
| Compare plans | Free | Pro |
|---|---|---|
| Manual entries (all 9 types) | Unlimited | Unlimited |
| Accounts, transfers & balances | ||
| Loans / udhaar tracking | ||
| Monthly budgets & annual overview | ||
| Excel / CSV export & import | ||
| Google Drive backup | ||
| AI entry — Urdu, Roman Urdu, English | ||
| Voice entry | ||
| Smart transfer & loan detection | ||
| Ads | Yes | None |
Is Self Expense really free?
Yes. Manual entries, accounts, transfers, loans, budgets, the annual overview, Excel export and Google Drive backup are free forever. Pro adds AI & voice entry and removes ads.
Which languages does the AI understand?
English, Urdu script, Roman Urdu — and any mix of them in the same sentence. It understands amounts like “2 hazar”, “1.5k” and “1 lakh”, and loan words like udhaar, qarz and wapas.
Where is my financial data stored?
Your ledger lives in a database on your phone. Our servers only see the text you send for AI parsing, and they never store your transactions. Backups go to your own Google Drive, or to our server only if you switch that on.
How does the Pro subscription work?
Pro is billed monthly through Lemon Squeezy, our payment provider. Your account switches to Pro as soon as payment succeeds and renews automatically each month. Cancel any time from your account page — you keep Pro until the end of the month you paid for.
Can I pay with a Pakistani debit or credit card?
Lemon Squeezy accepts international Visa and Mastercard cards (and PayPal where available). Many Pakistani bank cards work once online international payments are enabled — you can usually switch that on in your bank's app.
Does it work without internet?
Completely. Everything except AI parsing works offline. If you send an AI entry while offline, it's saved and processed automatically when you reconnect.
Will the AI ever add something I didn't approve?
Never. AI only proposes drafts. You review, edit and confirm every one before it reaches your ledger, and ambiguous amounts or loans are flagged instead of guessed.
Can I bring in my old Excel sheet?
Yes. Import a workbook and Self Expense creates any missing accounts, loans and categories and pairs transfers automatically.
آج سے اپنا حساب صاف رکھیں
Your money, finally making sense.
Join Pakistanis who log every rupee in seconds — in the language they actually think in.