The fair way to budget

Track it. Split it. Prove it.

Your budget stays private. Your splits come with receipts. Expenny maps where your money goes, keeps your goals on the gauges, and backs every shared bill with the bank line it came from.

See it working

Private by default — you choose what to shareAny bank's CSV export · BNZ / Westpac / ANZ / Amex

EXPENNY BUDGETING

— HOUSEHOLD —

TRANSACTIONS IMPORTED: 214
AUTO-CATEGORISED: 93%
SHARED WITH 1 PERSON: $77.10
BILL SENT: 1
MONEY IN: $4,180.00
MONEY OUT: $3,638.00
LEFTOVER: $542.00
GOAL: QUEENSTOWN: +$342.00
ACCOUNTS RECONCILED: 4/4 ✓
FEB 2026 — CLOSED ∎

EVERY TRANSACTION TRACEABLE
TO THE STATEMENT IT CAME FROM

Example receipt · a sample month, not your data

Know where every dollar goes.

Fig. 01 · cash-flow map + goal gauges · example data

Example

Goal · Queenstown trip$1,860 / $2,400 · +$342 this month

Groceries · Feb limit$486 / $520

Truth check · accounts4 / 4 reconciled

Each gauge → a statement line

The carbon copy

Split the bill, not the friendship.

Every shared charge is carved out of a real, imported bank transaction. Your flatmate sees exactly why they owe $77.10 — the original charge, your note, the category — without ever seeing the rest of your money.

Halves, thirds, any percentage. Expenny does the maths and keeps the receipts. Over- or under-payments get written off with a reason, or carried into next month. Nothing gets awkward.

Fig. 02 · participant view

PEWPEW'S COPY · FEB 2026

GROCERY RUN · YOUR HALF$77.10

SOURCETXN-0031 · BNZ

CATEGORYGROCERIES

NOTE"HALF FOR GROCERIES"

CSV VerifiedTRACE TO SOURCE ▸

Tammy, the Expenny plush puppy mascot, sitting at a wooden desk firmly stamping a thick ledger closed, receipts and archived ledger books beside her — halftone print illustration

Months that stay closed.

Fig. 03 · the archive shelf · example

∎ LOCKEDSEP 20254/4 ✓

∎ LOCKEDOCT 20254/4 ✓

∎ LOCKEDNOV 20254/4 ✓

∎ LOCKEDDEC 20254/4 ✓

∎ LOCKEDJAN 20264/4 ✓

OPENFEB 20263/4 …

A finished month becomes a read-only book: tamper-evident, balances carried forward, history you can stand on.

Closing balance → next period

The victory moment

The books close. Everyone smiles.

Finalising locks the month for good, rolls your balances into March, and issues every shared bill in one go — proof attached, friendship intact.

Fig. 04 · example

Tammy celebrating with her paws in the air and cherry confetti

February 2026 — closed ∎

Locked, archived, and off your mind.

PewPew's bill · sent1 shared charge · the grocery run$77.10

Balances rolled to March✓

Tracked · split · proven

Budget like you like each other.

Import a statement, split the shared stuff, and close your first month with proof.

Track it. Split it. Prove it.

Your budget stays private. Your splits come with receipts. Expenny maps where your money goes, keeps your goals on the gauges, and backs every shared bill with the bank line it came from.

Private by default — you choose what to shareAny bank's CSV export · BNZ / Westpac / ANZ / Amex

Split the bill, not the friendship.

Halves, thirds, any percentage. Expenny does the maths and keeps the receipts. Over- or under-payments get written off with a reason, or carried into next month. Nothing gets awkward.