Everything IncomeWise does
IncomeWise is a free budget app and income split planner. Log money by voice, receipt photo or typing, and it builds your budgets, tracks your bills and loans, and tells you when you’ll reach your goals. No bank login, 11 currencies, in English, Urdu and Arabic.
Free for everyone
Voice expense tracker
Say "spent 40 on groceries" and the amount, category and date fill themselves in. A free voice expense tracker for your browser and your phone.
Learn moreReceipt tracker
Attach a photo of the receipt to any expense. Compressed on your device, stored with the transaction, ready for returns, warranties and tax time.
Learn moreIncome split planner
Split your income into needs, lifestyle, savings and investments — 50/30/20 or your own split — and see what each share is worth every month.
Learn moreBudget planner
Set a monthly budget per category, get warned before you overspend, and let IncomeWise suggest each budget from your spending, bills and goals.
Learn moreExpense tracker
Track income, expenses and investments in one place without linking your bank. Free, multi-currency, with voice entry, receipts and a health score.
Learn moreMulti-currency & languages
Budget in PKR, SAR, AED, INR, USD, EUR, GBP and more — 11 currencies, with the app in English, Urdu or Arabic and full right-to-left support.
Learn morePremium — $3 a month
Bill tracker
Track weekly, monthly and yearly bills, see what is due and overdue, and mark a bill paid to log the expense automatically. Part of IncomeWise Premium.
Learn moreSubscription tracker
List every subscription — streaming, music, AI tools, cloud — with its true yearly cost, renewal dates and priority. Find the ones worth cancelling.
Learn moreLoan tracker
Track loans you owe and money you lent to friends: payments, interest, what is still owed and when it is due. Repayments update your balance automatically.
Learn moreSavings goals
Set savings goals with deadlines and see when you will reach each one at your real saving pace. Fund goals from what you actually have left this month.
Learn moreAI financial advisor
An AI money advisor, powered by Anthropic’s Claude, that analyses your own income, spending and goals and gives specific actions — not generic tips.
Learn moreSmall business finance
Revenue, expenses, invoices, clients, payroll and inventory for small businesses and freelancers — across several companies, with an AI CFO.
Learn moreStart with the free plan
Unlimited transactions, voice entry, receipt photos and budgets — no card, no bank login.