01
Chaos
Transactions, subscriptions, goals, and assets no longer live in separate corners of your life.
Track Money. Build Wealth. Make Smarter Decisions.
Your AI Financial Copilot for spending, wealth, and life.
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.
Spending clarity
Know what changed before it becomes a habit
Budget guidance
See where to adjust this month
Smart review
Prioritize the items worth checking first
XpenseWise OS
Actual app experience
Your money. Fully in control.
AED 16,825.50AI ready+2.4%
Bank credentials never storedTLS 1.2+ and AES-256 security modelGDPR & UAE data protection alignedUser-controlled data rights
The transformation
Take Control.
Not an expense tracker. The moment your money stops feeling foggy.
02
Clarity
Every dirham gains context. Every shift becomes visible before it becomes a habit.
03
Control
Budgets, forecasts, and calm decisions become the operating layer for your financial life.
04
Confidence
Privacy, encryption, and transparency are designed to make progress feel secure.
Control cockpit
Not a pretty scene. A clearer financial decision.
Every signal on screen should help you act: reduce waste, understand cash flow, and move money with confidence.
Where is money leaking this month?
What changed before it becomes a habit?
What is the next best move?
XpenseWise OS
Actionable money signals
Cash-flow forecast6M
Dining+18%
Cut AED 420 this month
Subscriptions-12%
Cancel 2 unused renewals
Savings+9%
Move AED 1,100 to goals
Wealth+AED 12.4k
Net worth trend improving
Waste found
AED 720Next move
SaveConfidence
92%Actual product surfaces
Modern money problems. Legendary product answers.
Not abstract product claims. These are XpenseWise surfaces: wealth, payments, rewards, and financial intelligence living inside one operating system.
Overview
Balance, spend, and quick actions in one glance.
XpenseGenie
Intelligent nudges before habits become expensive.
XpensePay
Bills and subscriptions controlled before they are due.
XpenseRewards
Better money habits through rewards and challenges.
The XpenseWise Platform
Your complete financial picture - in one intelligent interface.
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.
Smart Expense Tracking
Automatically track and organize daily spending, recurring bills, income, and cash entries across a clean financial timeline.
AI-Powered Categorization
Transactions are categorized using merchant intelligence, transaction metadata, MCC logic, and adaptive learning that improves over time.
Budget Intelligence
Receive dynamic budget recommendations based on actual spending behaviour, income patterns, and personal financial goals.
Net Worth Intelligence
Calculate assets minus liabilities across cash, investments, property, debt, and loans so users always know their real wealth position.
Real Estate Ownership
Track properties, valuations, rental income, mortgages, service charges, yield, ROI, and appreciation trends in one place.
Portfolio & Commodities
Monitor stocks, ETFs, mutual funds, crypto, gold, jewelry, and commodities with allocation, performance, and risk signals.
Subscription Visibility
Identify active subscriptions, upcoming renewals, underused services, and cost-reduction opportunities before they become leakage.
Cash Flow Insights
Understand how money moves through your life with income vs. expense visualization, trend detection, and monthly forecasting.
Savings Optimization
Set financial goals, track progress, and receive practical recommendations to improve your savings rate.
Financial Reporting
Generate structured insights by period, merchant, category, and behavioural trend - designed for action, not overwhelm.
Secure Financial Overview
Access your financial data in a controlled environment designed around privacy, transparency, and user consent.
Future Wealth Forecasting
Project net worth milestones, debt reduction, liquidity, and long-term goals with AI-powered scenario planning.
XpenseGenie
More than tracking - whole-life financial intelligence.
XpenseWise analyzes spending, assets, liabilities, wealth momentum, financial behaviour, and upcoming expenses, then turns daily activity into actionable decisions.
Review renewals before they quietly repeat
Spot category drift while there is still time to adjust
See whether your monthly budget is likely to hold
Prioritize the transactions worth checking first
Cash-flow intelligence
SAMPLERepresentative example: actual spend vs. forecast, AED thousands
Jun actual spend: AED 8.7kJun forecast: AED 9.5k
For representative purposes only. Values show how XpenseWise may explain projected spend against actual behaviour.
Category signals
%Representative month-over-month movement
Needs attentionImproving
Budget confidence
See whether this month is on track before month-end.
Spend review
Surface merchants and categories that deserve attention.
Cleaner categories
Turn messy transactions into decision-ready reporting.
How it works
Designed for simplicity. Powered by intelligence.
01
Connect or add your financial data
Securely connect accounts through bank authentication or regulated third-party providers, or track transactions manually with full control.
02
XpenseWise organizes everything
Spending is categorized, structured, and enriched with AI-assisted rules, merchant intelligence, and behavioural context.
03
Gain insights and take control
Review budgets, savings goals, subscriptions, reports, and recommendations that improve decisions every month.
Security and privacy are not features - they are foundations.
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.
Bank credentials are never stored
TLS 1.2+ encryption in transit
AES-256 encryption at rest
Tokenized read-only access
Role-based access controls
Built with global and regional compliance in mind.
XpenseWise adopts responsible, transparent principles for handling personal and financial information.
GDPR-aligned privacy principles
UAE data protection regulation alignment
User consent and data portability
Right to disconnect, export, and delete data
Plans
Flexible plans for every stage of your financial journey.
Test drive for free
Take XpenseWise for a spin before you connect a single account. If you like what you see, you can start with early access.
Open demoDemo modeNo bank link
Net worth
AED 428kAssets
AED 612kExpenses
AED 8.7kPlus plan
AED 19/mo
Save 34% by going yearly
No ads, no hidden fees.
Your data stays private, we focus on building the best product for you.
Free
For individuals building visibility
AED 0
Expense tracking
Basic categorization
Monthly summaries
Plus
For smarter financial control
AED 19/mo
AI insights
Budget optimization
Subscription tracking
Pro
For full financial intelligence
AED 59/mo
Advanced analytics
Predictive forecasting
Priority product capabilities
🔐
Connect your bank securely
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.
📊
How your data is used
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.
🛡️
Your privacy, your control
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
Built by people who care about money clarity.
XpenseWise is led by a founder team focused on practical financial intelligence, trust, and clean product experience.
Karan Sharma
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.
Ashwin Neogi
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
Security, privacy, and control - built into every layer.
Clear answers about how XpenseWise operates, how financial data is processed, and what user control and privacy mean in practice.
Does XpenseWise store my bank credentials?
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.
How does XpenseWise access and process financial data?
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.
Is my financial data secure?
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.
Does XpenseWise comply with GDPR and UAE data protection regulations?
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.
Does XpenseWise sell or share my data?
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.
Can I use XpenseWise without connecting a bank?
Yes. XpenseWise supports manual expense tracking, cash entries, subscription records, budgets, and goals for users who prefer not to connect accounts.
How accurate is AI categorization?
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.
Can I delete or export my data?
Yes. You can disconnect linked financial accounts, request deletion of your data, and export your data in a structured format.
Join Waitlist
Join the XpenseWise waitlist.
Get early access updates as we prepare the first public release.
Start making smarter financial decisions today.
Join XpenseWise and take control of your financial future with clarity, confidence, and AI-powered guidance built for modern money management.