ExpenseSumo

ExpenseSumo is a browser-based personal finance tracker built around manual entry — no bank linking. You log every transaction yourself across accounts (cash, savings, credit cards, loans, mortgages, IOUs), with monthly budgets, recurring transactions, multi-currency accounts and a true net-worth view. Privacy-first by design: no Plaid, no card numbers stored, nothing sold or shared, EU-hosted. Freemium with a genuine free plan, a $54.99/yr Pro tier, and a $79 one-time Founding Member lifetime deal. Brand-new (launched ~July 2026), no third-party reviews yet — so judge it on the free plan first.

What is ExpenseSumo?

ExpenseSumo is a browser-based personal finance app that takes the contrarian position that manual entry is the point. Instead of connecting your bank and syncing thousands of transactions, you log each one yourself across as many accounts as you need — cash, savings, credit cards, loans, mortgages and even personal IOUs. The result is an app with total privacy (no Plaid, no card numbers stored, nothing sold or shared, data hosted in the EU) and, per its own argument, better spending awareness, because logging money by hand is what makes you notice it. On top of the transaction ledger sit monthly budgets with live status, recurring transactions for predictable income and bills, multi-currency accounts with adjustable exchange rates, and a true net-worth calculation that nets assets against liabilities. It is freemium: a genuinely free plan (2 accounts, 90 days history), a Pro tier at $54.99/yr for unlimited accounts and lifetime history, and a one-time Founding Member lifetime plan at $79 (99 of the first 100 spots remain, then it rises to $109). Launched around July 2026, it has no third-party reviews yet — which is exactly why the free plan and the 14-day Pro trial matter.

Key Features

• Manual-entry tracking — log every transaction yourself across any number of accounts; no bank linking
• True net worth — assets minus liabilities, including money owed to/from people, updated on every save
• Monthly budgets — set limits and watch live status: on track, spending fast, almost there, or overspent
• Spend Pace indicator — a burn-rate view of how fast you are moving through your budget
• Recurring transactions — salary, rent and subscriptions auto-log on every cycle with overdue indicators
• Multi-currency accounts — different currencies with pre-filled, adjustable exchange rates and transfers
• Account variety — cash, savings, credit cards, loans, mortgages and personal IOUs
• Privacy by design — no bank connections, no trackers, no data selling; EU-hosted PostgreSQL storage
• 14-day free trial of Pro and a free forever plan — no credit card required for the free tier
• Founding Member lifetime — $79 one-time for everything in Pro, capped at 500 spots

Who is it for?

• People who want to understand their spending deeply and don't mind — or prefer — entering transactions by hand
• Privacy-conscious users who don't want their bank data synced to a third party
• Freelancers and small businesses tracking cash, credit, loans and client IOUs in one place
• People juggling multiple currencies who need multi-currency accounts
• Budgeters who want a genuine free plan they can use forever before paying anything

Who is it NOT for?

• Anyone who wants automated bank sync and set-and-forget tracking — this is manual entry, full stop
• People who won't maintain the daily logging habit; the data goes stale fast otherwise
• Users who need integrations, an API or Zapier-style automation
• Investors or power users who need investment portfolio tracking (not a focus here)
• Buyers who want third-party reviews and a long track record before trusting a brand-new app