XpenseWise is an AI-powered financial operating system that helps you understand spending, track net worth, monitor assets, optimize budgets, and make smarter money decisions automatically.
Know what changed before it becomes a habit
See where to adjust this month
Prioritize the items worth checking first
Home, Expenses, Wealth, Assets, Goals, XpenseGenie
Net worth
+AED 12,420 this month, tracking toward AED 1M
Assets
Liabilities
The XpenseWise Platform
XpenseWise brings transactions, budgets, subscriptions, net worth, properties, portfolios, goals, reports, and AI-powered recommendations into a single secure workspace designed for clarity and control.
Automatically track and organize daily spending, recurring bills, income, and cash entries across a clean financial timeline.
Transactions are categorized using merchant intelligence, transaction metadata, MCC logic, and adaptive learning that improves over time.
Receive dynamic budget recommendations based on actual spending behaviour, income patterns, and personal financial goals.
Calculate assets minus liabilities across cash, investments, property, debt, and loans so users always know their real wealth position.
Track properties, valuations, rental income, mortgages, service charges, yield, ROI, and appreciation trends in one place.
Monitor stocks, ETFs, mutual funds, crypto, gold, jewelry, and commodities with allocation, performance, and risk signals.
Identify active subscriptions, upcoming renewals, underused services, and cost-reduction opportunities before they become leakage.
Understand how money moves through your life with income vs. expense visualization, trend detection, and monthly forecasting.
Set financial goals, track progress, and receive practical recommendations to improve your savings rate.
Generate structured insights by period, merchant, category, and behavioural trend - designed for action, not overwhelm.
Access your financial data in a controlled environment designed around privacy, transparency, and user consent.
Project net worth milestones, debt reduction, liquidity, and long-term goals with AI-powered scenario planning.
XpenseGenie
XpenseWise analyzes spending, assets, liabilities, wealth momentum, financial behaviour, and upcoming expenses, then turns daily activity into actionable decisions.
Representative example: actual spend vs. forecast, AED thousands
For representative purposes only. Values show how XpenseWise may explain projected spend against actual behaviour.
Representative month-over-month movement
See whether this month is on track before month-end.
Surface merchants and categories that deserve attention.
Turn messy transactions into decision-ready reporting.
How it works
Securely connect accounts through bank authentication or regulated third-party providers, or track transactions manually with full control.
Spending is categorized, structured, and enriched with AI-assisted rules, merchant intelligence, and behavioural context.
Review budgets, savings goals, subscriptions, reports, and recommendations that improve decisions every month.
XpenseWise is designed around bank authentication handled by your bank or regulated providers, no stored bank credentials, read-only access, encrypted data handling, and user-controlled data rights.
XpenseWise adopts responsible, transparent principles for handling personal and financial information.
Plans
Take XpenseWise for a spin before you connect a single account. If you like what you see, you can start with early access.
Open demoNet worth
AED 428kAssets
AED 612kExpenses
AED 8.7kPlus plan
Save 34% by going yearly
No ads, no hidden fees.
Your data stays private, we focus on building the best product for you.
For individuals building visibility
For smarter financial control
For full financial intelligence
XpenseWise connects to your bank using secure, industry-standard integrations such as direct bank authentication or regulated providers including Plaid, SaltEdge, and Lean Technologies.
We never see or store your bank login credentials
Authentication happens directly with your bank or a regulated third-party provider
We receive read-only access to your transactions
Your data stays fully protected and under your control.
To give you insights, budgets, and AI recommendations, XpenseWise securely stores your transaction data and spending patterns.
Your data is encrypted in transit and at rest
We never sell your financial data
You can delete or disconnect anytime
We only use your data to help you make smarter financial decisions.
You’re always in control of your data.
Disconnect accounts anytime
Delete your data permanently
Export your financial data when needed
No hidden access. No surprises.
Founders
XpenseWise is led by a founder team focused on practical financial intelligence, trust, and clean product experience.
Founder & CEO
Karan sets the Wise Labs product compass, turning scattered money moments into a calm, intelligent XpenseWise experience that feels useful from day one.
Co-Founder & COO
Ashwin keeps the engine honest: operations, trust, and the product details that make XpenseWise feel less like finance homework and more like control.
FAQ
Clear answers about how XpenseWise operates, how financial data is processed, and what user control and privacy mean in practice.
No. XpenseWise does not collect, store, or access bank usernames, passwords, PINs, or similar login credentials. Authentication happens directly with your bank or a regulated third-party financial data provider.
XpenseWise receives permissioned, read-only access to financial data after user consent. We securely store transaction history, balances, categorized spending, user-input financial data, and derived insights so we can provide tracking, budgets, forecasts, and AI recommendations.
Security is foundational. XpenseWise is designed around TLS 1.2+ encryption in transit, AES-256 encryption at rest, tokenized access through financial integrations, role-based access controls, and secure infrastructure.
XpenseWise is built with privacy-first principles aligned to GDPR and relevant UAE data protection regulations, including consent, transparency, access controls, portability, deletion rights, and responsible financial data processing.
No. XpenseWise does not sell personal financial data. Financial data is processed only to provide product features, improve accuracy, and help users make smarter financial decisions.
Yes. XpenseWise supports manual expense tracking, cash entries, subscription records, budgets, and goals for users who prefer not to connect accounts.
XpenseWise uses merchant names, transaction metadata, MCC logic, and user corrections to improve categorization. Users can always edit categories, and the system adapts over time.
Yes. You can disconnect linked financial accounts, request deletion of your data, and export your data in a structured format.
Join Waitlist
Get early access updates as we prepare the first public release.
Join XpenseWise and take control of your financial future with clarity, confidence, and AI-powered guidance built for modern money management.