Let AI do your bookkeeping.

It's the end of the month and you can't say where the money went. Connect your bank once on Premium, and after that every transaction lands sorted. Or upload a statement from any bank. AI expense tracking, budgets, and bookkeeping for people and small businesses who'd rather not do the work.

Get started

Or try it free on Telegram →

Free on iOS, Android & Telegram · Web app from $3/mo

+99K

100,000+ people stopped guessing where their money goes

A woman frowning in confusion at a long shop receipt — Where did it go?

A man pressing his temples in frustration in front of a spreadsheet — Spreadsheet night

An older man looking down at his phone, disappointed — Card declined

A woman laughing with relief while holding her phone — Bank connected

100K+

Active users

2M+

Transactions tracked

4.9★

User rating

50K+

Statements imported

Bank-grade encryption · Never sold · Read-only bank connections · Web, mobile and Telegram

Trusted by users inNigeria·USA·Kenya·UK·South Africa·Ghana·Canada·Germany·India·UAE·50+ countries·

Connect your bank once. It fills itself in.

On the Premium plan, Auritrack connects to banks in the US, Canada, Nigeria, Ghana, Kenya and South Africa. Transactions sync every week, already sorted. Anywhere else, upload a statement from any bank and get the same clean books.

How bank connections workSee supported countries

Through Plaid: United States and Canada
Through Mono: Nigeria, Ghana, Kenya and South AfricaSelected banks in Ghana, Kenya and South Africa
Statement upload: Every bank, every country, every planPDF, CSV or Excel, in any currency

Don't take our word for it. Ask the AI.

This is the same intelligence that manages money for 100,000+ people. Ask it anything about Auritrack, or about your own finances.

Auri

Auritrack's AI · answers instantly

5/5 free questions

Hi, I'm Auri. Ask me how Auritrack works, or anything about managing your money. Try one of these:

Answers are AI-generated. Auri knows your numbers only inside the app.

Tracking money shouldn't feel like a second job.

If you've downloaded three budgeting apps and abandoned them all by February, it was never a discipline problem. Every finance app promises clarity, then hands you homework: forms, categories, weekly maintenance. Auritrack removes the homework. Connect your bank, or upload a statement from any bank, and expense tracking, budgeting, and the rest of your finance management happen in the background.

See how it works

Free on mobile · Web from $3/mo

Endless forms and categories

Connect your bank on Premium and transactions arrive already categorised.

Spreadsheets that never stay updated

The AI keeps your books current without you lifting a finger.

Bank statements you never review

Upload any statement and years of history are organized in seconds.

Budgeting apps that feel like work

Your bank fills it in. You just read the result.

Five things it does so you don't have to.

Each one erases a finance chore, from expense tracking to budgets to bookkeeping, that you were never going to keep doing by hand anyway.

Connects to your bank

On the Premium plan, link banks in the US, Canada, Nigeria, Ghana, Kenya and South Africa. Transactions sync automatically every week, and the AI labels and categorises each one.

How bank connections work

BANK SYNC

Reads any bank statement

Upload a PDF, CSV or Excel statement from any bank, in any country and currency. The account is created or matched for you, and nothing already imported comes in twice.

About statement import

IMPORTS

Finds transfers and subscriptions

Money moved between your own accounts is paired and left out of your spending. Repeating charges are flagged for you to confirm, with a reminder before the next one is due.

CLEAN BOOKS

Keeps every currency separate

Each transaction stays in the currency it happened in. Totals are shown per currency, with your preferred one first. Nothing is converted behind your back.

Multi-currency budgeting

CURRENCIES

Answers when you message it

Log cash or split a bill with “4,000 on lunch with Tunde”, or ask “where did my money go?”, in the app or on Telegram.

CHAT

Ready to experience smarter money?

Get started now

One ordinary day. Zero bookkeeping done by you.

8:12 AM

Coffee on the way in

Taps a card for coffee and a pastry at Cafe Neo

It comes in with the next bank sync, already filed under Food. Nothing to type.

1:40 PM

A question over lunch

“How much have I spent on food this week?”

“12,400 this week, mostly weekday restaurants. Want the breakdown?”

6:05 PM

The other bank, handled

Uploads last month’s statement from a second bank

127 transactions extracted, categorized, and organized in 8 seconds.

A spending chart with one segment highlighted

SUNDAY

The money talk

“Show me where I can cut back this month”

“Subscriptions total 45,000/month. Three of them untouched in 60 days.”

Getting started takes two minutes.

Sign upConnect your bank on Premium, or upload a statementDone

Get started today

100,000 people stopped guessing.

4.9/5 · 100,000+ users

Five people of different ages and backgrounds laughing and smiling together

“Managing my spending used to feel tedious and overwhelming, but Auritrack made tracking my finances surprisingly fun and effortless.”
— Ismail Muyideen · Auritrack user

“Auritrack is the best budgeting app I've found. The UX is excellent, and I don't need to look for another finance app anymore.”
— Emmanuel A. Priestley

“Auritrack is easy to use with endless categorization options. I love the AI analytics that help me improve my spending habits.”
— Olufemi Akande

“Auritrack is a great way to track finances and expenses. Its usefulness has such great impact that I actively recommend it to anyone who needs a budgeting app.”
— Fatou Samb

“The app helps me track spending patterns and know where to cut down. The percentage chart shows exactly where my money goes each month.”
— Olanire Ayotomiwa O.

“Using Auritrack made me realize how much I was overspending. Now I'm more intentional, aware, and disciplined with money.”
— Grace Emmanuel

Your money story could read like this.

Join 100K+ happy users

The finance app that works the way you think.

To be clear: if you genuinely enjoy reconciling spreadsheets on a Sunday night, keep the spreadsheet. Auritrack is for people who want to know their numbers without becoming their own accountant.

A young man lying back on a sofa, checking his finances on his phone

Fills itself in

Bank sync on Premium

Connect your bank on Premium and transactions arrive every week, already labelled and categorised. Available in the US, Canada, Nigeria, Ghana, Kenya and South Africa.

Any bank, any country

Statements everywhere

Upload a PDF, CSV or Excel statement from any bank and AI extracts, cleans, and categorises everything, in any currency. It works on every plan.

AI-native from day one

Built AI-first

While other apps retrofitted AI features, Auritrack was built AI-first: bank sync, statement imports, and plain-English insights share one AI core, not a bolt-on.

Chat when you want it

App or Telegram

Log cash, split a bill, or ask a question in plain language, in the app or on Telegram with @auritrack_bot.

Free on mobile, flexible upgrades

Subs or pay-as-you-go

The iOS, Android and Telegram apps are free, with pay-as-you-go Auricoins that never expire. The web app starts at $3/month, and bank connections come with Premium at $20/month.

AI explains your money

Answers, not charts

Traditional apps show dashboards; Auritrack explains what they mean in everyday language, like a financial advisor in your pocket.

Feature	Auritrack	YNAB	Monarch	Quicken
Automatic bank sync	Premium, 6 countries	US, Canada, UK, EU	US & Canada, more US banks	US & Canada
Statement import	Any bank, PDF/CSV/Excel	CSV/OFX	CSV	QFX/CSV
Per-currency totals		One per budget	Limited	Limited
AI-powered tracking	Native	Limited	Basic	No
Natural language		No	No	No
Telegram integration		No	No	No
Pricing model	Free app + web from $3/mo	$99/year	$100/year	$35–100/year

Leave whenever you like. You won't want to.

Import from YNAB, Mint & anywhere·Export PDF/CSV anytime·Beautiful PDF reports·Delete your account in one click

Make the switchSee full pricing →

Free finance tools. No signup.

Not ready for an app? Start here: 14 free calculators and planners to budget, save, invest, and pay off debt. No account, no catch.

Compound Interest Calculator

See how your money grows with daily, monthly, or yearly compounding.

Open tool

Budget Planner

Create a monthly budget using the 50/30/20 rule or custom categories.

Open tool

Loan & EMI Calculator

Calculate monthly payments, view amortization schedules, and compare loans.

Open tool

Debt Payoff Planner

Compare snowball vs avalanche methods and find your debt-free date.

Open tool

Savings Goal Calculator

Find out how much to save each month to reach your target by your deadline.

Open tool

Net Worth Calculator

Add up assets and liabilities to see your total net worth instantly.

Open tool

Explore all 14 free tools

Native apps. Same AI everywhere.

A woman at a market stall smiling as she logs her purchase on her phone

Android

Live on Google Play

Log it the moment you spend it. Snap the receipt, say what happened, and move on with the rest of your day.

QR code to download Auritrack on the Google Play

Scan for Android Get it on Google Play

iOS

Live on the App Store

Ask before you spend, not after. “Can I afford this?” gets a real answer while you’re still standing in the shop.

QR code to download Auritrack on the App Store

Scan for iOS Get it on the App Store

Also on the web and inside Telegram · One account, everything in sync

Everything people ask before they switch.

The honest answers, from how the AI works to what happens when you leave.

Try it yourselfOr contact support →

A woman resting her chin on her hand with a curious, slightly sceptical smile

Auritrack is an AI expense tracker, budget app, and bookkeeper for individuals and small businesses. On the Premium plan you can connect your bank (United States, Canada, Nigeria, Ghana, Kenya and South Africa) and transactions come in on their own. Anywhere else, upload a PDF, CSV or Excel statement from any bank. Either way, the AI labels and categorises each transaction, leaves transfers between your own accounts out of your spending, skips duplicates, and finds your subscriptions. When you want to log cash or ask a question, you can message it in plain English, like "4,000 on lunch with Tunde under food". It works on web, mobile, and inside Telegram.

Yes, on the Premium plan. You can connect banks in the US and Canada (through Plaid) and in Nigeria, Ghana, Kenya and South Africa (through Mono). In Ghana, Kenya and South Africa only selected banks are available. If your bank is somewhere else, upload a statement and Auritrack does the rest. See the supported countries page for the current list.

No. Bank connections are part of Premium ($20 a month or $200 a year). Statement uploads and chat work on every plan.

Yes. Statement upload works for every bank in every country, in any currency. Upload a PDF, CSV or Excel file and Auritrack creates the account, sorts every transaction and skips anything it has already seen.

Once a week automatically, included in Premium. You can choose a more frequent schedule or press "Sync now", which uses Auricoins.

No. You log in on Plaid's or Mono's screen. Auritrack receives read-only access to balances and transactions and cannot move money.

No. When money moves between two accounts you have connected, Auritrack pairs the two sides and leaves them out of income, spending and budgets. You can undo a match.

Auritrack matches them by account and skips duplicates, in both directions. The same goes for anything you logged by chat.

Yes. After each sync or statement upload it looks for repeating charges and asks you to confirm or dismiss them. Once confirmed, it reminds you before the next charge.

Each transaction keeps its own currency. Totals are shown per currency, with your preferred currency first. Nothing is converted behind your back.

Syncing pauses. Your accounts and history stay. Reconnect by upgrading to Premium again.

Yes. Cash, splits and anything your bank does not show can be logged by message in the app or on Telegram.

The Auritrack mobile apps (iOS and Android) and the Telegram bot are free: expense tracking, budgets, manual entry, and your data cost nothing, forever, with no card required. The web app needs a subscription from $3/month, with no free trial. Premium AI features come two ways: subscribe for monthly Auricoin grants and included features (Plus at $3/month, Pro at $8/month, or Premium at $20/month, with two months free on annual billing), or stay pay-as-you-go with Auricoins that never expire. Bank connections are only on Premium. See the pricing page for the full plan comparison.

Auricoins are in-app credits for premium AI features in Auritrack. You get free Auricoins as a welcome bonus when you sign up, and you can earn more by referring friends or completing activities in the app. Use Auricoins for smart file imports (uploading bank PDFs/CSVs for AI extraction), extra bank syncs beyond the weekly one, deeper financial insights, and predictive analytics. There are two ways to get more: subscribe to a plan (Plus, Pro, or Premium) for a monthly Auricoin grant plus included premium features, or purchase Auricoins pay-as-you-go in the app or through our Telegram bot. Coins from a plan refill each billing cycle; purchased Auricoins never expire.

The Auritrack Telegram bot brings expense tracking into your chat app. Start a conversation with @auritrack_bot and you can log expenses, track income, create budgets, manage billers and givers, and ask questions about your finances without leaving Telegram. Say things like 'How much did I spend on transport this week?' or 'Send me a summary of today's expenses' and the AI replies. The bot uses the same Auritrack account, so transactions from bank sync and statements show up there too.

Yes, from any bank, in any country and currency, on every plan. Upload a bank PDF, CSV file, or Excel spreadsheet from your bank or fintech app, and Auritrack's AI extracts all transactions, cleans up messy descriptions, and categorises them. The account is created for you, or matched to one you already have, and anything already imported or synced from your bank is skipped. You can import months or even years of history in one go. Imports use Auricoins because they need AI processing.

Manual tracking is available and free on the iOS and Android apps and on Telegram (the web app needs a subscription from $3/month). You can use Auritrack's manual entry forms to log expenses, income, budgets, billers, and givers without using any AI features or Auricoins. You can mix methods too: connect your bank or upload statements for the bulk of it, and log cash by hand or by chat. The basic mobile and Telegram app is free forever.

Auritrack's AI doesn't just store your data, it explains it in clear, everyday language. Ask questions like 'Where did most of my money go last month?' and get answers like 'You spent 45% on food, mostly at restaurants on weekends.' Ask 'What subscriptions am I paying for?' and see a clean list with the ones you have not used flagged. The AI can project future spending, spots unusual patterns, and suggests budgeting improvements based on your actual behaviour.

Yes. Auritrack encrypts your data in transit and at rest, and AI processing runs on our servers with strict access controls. We never sell your data, and it is never used to train models for other users. Bank connections run through Plaid (the US and Canada) or Mono (Nigeria, Ghana, Kenya and South Africa). You log in on their screen, so Auritrack never sees your bank password. The connection is read-only, access tokens are stored encrypted, and you can disconnect at any time. Linking a bank is optional: statement upload works without it.

Auritrack is for anyone tired of manual expense tracking and spreadsheets. Connect your bank and stop typing, or upload a statement if your bank is not covered. Professionals and salary earners get their spending sorted without daily logging. Small business owners and freelancers use it to turn messy bank statements into organised books and track several income sources. People with money in more than one currency get separate totals for each. Telegram users can keep their tracker inside their chat app.

Yes. If you're coming from YNAB, Mint, Monarch, or any other finance app, export your data as a CSV or Excel file from your current app and upload it to Auritrack. The import maps your categories, cleans up transaction descriptions, and organises everything. Years of financial history can come across in one upload, so you don't lose anything when you switch.

Yes. Your data is always yours. Export your complete financial history anytime as formatted PDF reports or raw CSV files for spreadsheet use. PDF reports are print-ready and suit loan applications, accountants, or personal records. CSV exports give you full control for your own analysis. There are no limits on exports.

We believe you should stay because you want to, not because you're trapped. Deleting your account is one click in your settings, and your account is permanently removed along with all your data, including any bank connections. No retention tricks. Before deleting, you can export all your data so nothing is lost.

Yes. Connect your bank on the Premium plan (United States, Canada, Nigeria, Ghana, Kenya and South Africa) and transactions sync every week on their own. Or upload a bank statement (PDF, CSV, or Excel) from any bank, on any plan. The AI extracts every transaction, cleans up messy descriptions, categorises income and expenses, pairs transfers between your own accounts, removes duplicates, and keeps your books organised. You can generate clean PDF reports for your accountant or records anytime.

Yes. Auritrack is designed for both individuals and small businesses. Freelancers and small business owners use it to separate business and personal spending, track multiple income sources, turn bank statements or a connected bank into organised books, monitor cash flow, and export clean reports at tax time. There is no accounting software to learn, and the mobile apps have a free tier to start.

Yes. Alongside AI expense tracking and bookkeeping, Auritrack is a full budgeting app. Set budgets by category, let the AI suggest a budget based on your income (including frameworks like the 50/30/20 rule), and get a heads-up when you are about to overspend. With a connected bank, budgets stay current without you logging anything. Ask 'How much is left in my food budget this month?' and get an answer straight away. You can also use our free Budget Planner tool with no signup to build a plan in minutes.

Let AI organize your financial life

Your money story starts today.

Three months from now, you open the app and know exactly where every dollar went, without ever filling in a form. It starts with one sentence: “spent 2,000 on lunch.” Join 100,000+ people already there. Free on iOS, Android and Telegram; the web app is from $3/month.

Start your journeyTry free on Telegram

100,000+ people who let AI keep their books

Let AI do your bookkeeping.

Free on iOS, Android & Telegram · Web app from $3/mo

+99K

100,000+ people stopped guessing where their money goes

Don't take our word for it. Ask the AI.

This is the same intelligence that manages money for 100,000+ people. Ask it anything about Auritrack, or about your own finances.

Auri

Auritrack's AI · answers instantly

5/5 free questions

Hi, I'm Auri. Ask me how Auritrack works, or anything about managing your money. Try one of these:

Answers are AI-generated. Auri knows your numbers only inside the app.

Tracking money shouldn't feel like a second job.

See how it works

Free on mobile · Web from $3/mo

Feature

Auritrack

YNAB

Monarch

Quicken

Automatic bank sync

Premium, 6 countries

US, Canada, UK, EU

US & Canada, more US banks

US & Canada

Statement import

Any bank, PDF/CSV/Excel

CSV/OFX

CSV

QFX/CSV

Per-currency totals

One per budget

Limited

AI-powered tracking

Native

Limited

Basic

Natural language

Telegram integration

Pricing model

Free app + web from $3/mo

$99/year

$100/year

$35–100/year

Your money story starts today.

100,000+ people who let AI keep their books

Let AI do your bookkeeping.

Connect your bank once. It fills itself in.

Don't take our word for it. Ask the AI.

Tracking money shouldn't feel like a second job.

Five things it does so you don't have to.

Connects to your bank

Reads any bank statement

Finds transfers and subscriptions

Keeps every currency separate

Answers when you message it

One ordinary day. Zero bookkeeping done by you.

Coffee on the way in

A question over lunch

The other bank, handled

The money talk

100,000 people stopped guessing.

The finance app that works the way you think.

Fills itself in

Any bank, any country

AI-native from day one

Chat when you want it

Free on mobile, flexible upgrades

AI explains your money

Free finance tools. No signup.

Compound Interest Calculator

Budget Planner

Loan & EMI Calculator

Debt Payoff Planner

Savings Goal Calculator

Net Worth Calculator

Native apps. Same AI everywhere.

Android

iOS

Everything people ask before they switch.

Q.01What is Auritrack and how does the AI work?

Q.02Can Auritrack connect to my bank?

Q.03Is bank sync free?

Q.04My country is not on the list. Can I use Auritrack?

Q.05How often does bank sync run?

Q.06Does Auritrack see my bank password?

Q.07Will transfers between my own accounts count as spending?

Q.08What if I connect a bank and also upload its statement?

Q.09Does Auritrack find my subscriptions?

Q.10I have money in more than one currency. How does that work?

Q.11What happens to my connected bank if I leave Premium?

Q.12Can I log things by chat?

Q.13How much does Auritrack cost?

Q.14What are Auricoins and how do they work?

Q.15How does the Telegram bot work?

Q.16Can I upload bank statements and financial files?

Q.17Is there a manual tracking option, or must I use AI?

Q.18What kind of AI insights can I get?

Q.19Is my financial data secure with AI processing?

Q.20Who is Auritrack best suited for?

Q.21Can I import my data from another expense tracker?

Q.22Can I export my data and use it offline?

Q.23What if I want to delete my account?

Q.24Can Auritrack do my bookkeeping automatically?

Q.25Does Auritrack work for small businesses and freelancers?

Q.26Is Auritrack a good budgeting app?

Your money story starts today.

Let AI do your bookkeeping.

Connect your bank once. It fills itself in.

Don't take our word for it. Ask the AI.

Tracking money shouldn't feel like a second job.

Five things it does so you don't have to.

Connects to your bank

Reads any bank statement

Finds transfers and subscriptions

Keeps every currency separate

Answers when you message it

One ordinary day. Zero bookkeeping done by you.

Coffee on the way in

A question over lunch

The other bank, handled

The money talk

100,000 people stopped guessing.

The finance app that works the way you think.

Fills itself in

Any bank, any country