AI finance management · Budgets · Bookkeeping

Est. 2024 · 50+ countries

Let AI do your bookkeeping.

It's the end of the month and you can't say where the money went. Text Auritrack like you'd text a friend, “spent $2,500 on rent”, and it's logged, categorized, and budgeted. AI finance management, expense tracking, budgets, and bookkeeping for people and small businesses who'd rather not do the work.

Start free, get Auricoins

Or try it on Telegram →

Free app · No card · Upgrade with subscriptions or Auricoins

+99K

100,000+ people stopped guessing where their money goes

100K+

Active users

2M+

Transactions tracked

4.9★

User rating

50K+

Statements imported

Bank-grade encryption · Never sold · No bank login needed · Syncs everywhere

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

01 — Why finance apps fail

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. Expense tracking, budgeting, and the rest of your finance management happen in the background while you just talk.

See how it works

Free to start · No card

01 Endless forms and categories

Just say it: “spent ₦4,000 on lunch.” Logged, categorized, done.

02 Spreadsheets that never stay updated

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

03 Bank statements you never review

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

04 Budgeting apps that feel like work

Expense tracking and budgeting that feels like texting a friend.

02 — What the AI does

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.

Understands plain English

Say “4,000 on lunch with Tunde” or “paid 5,000 for data and electricity, split them.” No forms, no templates. The AI logs and categorizes it for you.

CHAT

Lives inside Telegram

Log spending, ask questions, and get insights without leaving your chats. The fastest expense tracker is the one already open.

Reads your bank statements

Upload bank PDFs, CSVs, or Excel files. AI extracts, cleans, and categorizes years of history in seconds.

IMPORTS

Answers “where did my money go?”

Ask in plain English and get clear answers. The AI analyzes your patterns and tells you what to do about them.

INSIGHTS

Sees around corners

AI predicts future spending from your patterns and warns you before you overspend, not after.

FORECASTS

Ready to experience smarter money?

Get started now

03 — A day with Auritrack

One ordinary day. Zero bookkeeping done by you.

8:12 AM

Coffee on the way in

“Spent 1,500 on coffee and pastry at Cafe Neo”

Logged under Food with the note attached. Three seconds, done.

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 backlog, handled

Uploads last month’s bank statement

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

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 upClaim free AuricoinsSay your first expenseDone

Try it free today

04 — In their words

100,000 people stopped guessing.

4.9/5 · 100,000+ users

“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

05 — Why people switch

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.

AI-native from day one

Built AI-first

While other apps retrofitted AI features, Auritrack was built AI-first: natural language, smart imports, and conversational insights are the core, not a bolt-on.

Natural language tracking

Chat, not forms

No forms, no templates. Tell Auritrack what you spent in plain language and it does the bookkeeping.

Works inside Telegram

No app required

Track expenses, get insights, and manage budgets without leaving your chat app. Just message @auritrack_bot.

Smart file imports with AI

Any format works

Upload messy bank PDFs or Excel files and AI extracts, cleans, and categorizes everything. No manual CSV formatting.

Free app, flexible upgrades

Subs or pay-as-you-go

The app is free. Subscribe from $3/month for monthly Auricoin grants and premium AI features, or top up pay-as-you-go Auricoins that never expire.

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
AI-powered tracking	Native	Limited	Basic	—
Natural language		—	—	—
Telegram integration		—	—	—
Smart file imports	AI-powered	CSV only	CSV/QFX	Manual
Pricing model	Free + plans 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 →

06 — Free tools

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

07 — Get the app

Native apps. Same AI everywhere.

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.

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.

Get it on the App Store

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

08 — Questions, answered

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 →

Auritrack is an AI-powered finance management app for individuals and small businesses — expense tracking, budgets, and bookkeeping — that understands natural language. Instead of filling out forms or selecting categories, you simply tell the AI what you spent in plain English - like "4,000 on lunch with Tunde under food" or "Paid 5,000 for data and electricity, split them." The AI understands context, extracts the important details (amount, category, notes), and organizes everything automatically. It works on web, mobile app, and inside Telegram. The more you use it, the smarter it gets at understanding your spending patterns and providing personalized insights.

The Auritrack app is free — expense tracking, budgets, manual entry, and your data cost nothing, forever, with no card required. Premium AI features are unlocked 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. See the pricing page for the full plan comparison.

Auricoins are in-app credits that unlock premium AI features in Auritrack. You get free Auricoins when you sign up as a welcome bonus, and you can earn more by referring friends or completing activities in the app. Use Auricoins to access advanced features like smart file imports (uploading bank PDFs/CSVs for AI extraction), deeper financial insights, advanced categorization, predictive analytics, and enhanced natural language reasoning. 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 directly into your chat app. Just 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 - all 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 responds instantly. It feels like chatting with a smart financial assistant who knows your money inside out. The bot syncs with your Auritrack account, so all your data is consistent across web, mobile, and Telegram.

Yes! One of Auritrack's most powerful features is smart file imports using AI. Upload bank PDFs, CSV files, or Excel spreadsheets from your bank or fintech app, and Auritrack's AI automatically extracts all transactions, cleans up messy descriptions, categorizes spending intelligently, removes duplicates, and organizes everything into your account. You can import months or even years of financial history in seconds. This feature uses Auricoins since it requires advanced AI processing, but it saves hours of manual data entry. Perfect for people switching from other apps or consolidating multiple accounts.

Manual tracking is available and completely free! If you prefer traditional expense tracking, you can use Auritrack's manual entry forms to log expenses, income, budgets, billers, and givers without using any AI features or Auricoins. However, most users love the AI because it's so much faster and easier - just chat naturally instead of filling out forms. You can mix both methods: use manual tracking for quick entries when you want, and use AI features like smart imports or advanced insights when you need more power. The choice is yours, and the basic 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 natural responses like 'You spent 45% on food, mostly at restaurants on weekends.' Ask 'What subscriptions am I paying for?' and see a clean list with recommendations for unused ones. The AI can predict future spending: 'If I keep spending like this, how will my savings look in three months?' It spots unusual patterns, suggests budgeting improvements, and provides personalized financial advice based on your actual behavior. It's like having a financial advisor who knows your money intimately and explains everything in simple terms.

Absolutely. Auritrack uses bank-grade encryption for all data transmission and storage. Your financial information is encrypted at rest and in transit using industry-standard SSL/TLS protocols. The AI processing happens securely on our servers with strict access controls and regular security audits. We never sell your data to third parties, and your information is never used to train models for other users - your data stays yours. The AI only accesses your data to provide you with insights and features you explicitly request. Since we don't link to bank accounts, your banking credentials never pass through our system, providing an additional layer of security. Your privacy is our top priority.

Auritrack is perfect for anyone tired of manual expense tracking and spreadsheets. Professionals and salary earners love the effortless daily tracking through natural language. Small business owners and freelancers appreciate how AI interprets messy bank statements and handles multiple income sources. Students and budget-conscious users enjoy the simple, conversational interface that makes money management less intimidating. Telegram users especially love having their expense tracker right inside their chat app. If you want to understand your money without the hassle of traditional finance apps, Auritrack is built for you. The AI makes it accessible for everyone, regardless of financial expertise.

Yes! Switching to Auritrack is seamless. If you're coming from YNAB, Mint, Monarch, or any other finance app, simply export your data as a CSV or Excel file from your current app and upload it to Auritrack. Our intelligent import system automatically maps your categories, cleans up transaction descriptions, and organizes everything. Years of financial history can be imported in seconds. You don't lose a thing when you switch - your data moves with you.

Absolutely! Your data is always yours. Export your complete financial history anytime as beautifully formatted PDF reports or raw CSV files for spreadsheet use. PDF reports are print-ready and perfect for loan applications, accountants, or personal records. CSV exports give you full control for your own analysis. There are no limits on exports - download as often as you need, and access your finances offline whenever you want.

We believe you should stay because you want to, not because you're trapped. If you ever decide to leave, deleting your account is simple: one click in your settings and your account is permanently removed along with all your data. No retention tricks, no hidden hoops, no persuasion tactics. Before deleting, you can export all your data so nothing is lost. We respect your choice completely.

Yes. Auritrack is built so the AI does the bookkeeping for you with zero manual effort. Just describe transactions in plain language or upload a bank statement (PDF, CSV, or Excel), and the AI extracts every transaction, cleans up messy descriptions, categorizes income and expenses, removes duplicates, and keeps your books organized. You can generate clean PDF reports for your accountant or records anytime. It is like having an automated bookkeeper that works inside a chat. Note: live bank-account connections are on the roadmap; today you connect by uploading statements, which keeps your banking credentials off our servers.

Absolutely. 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 messy bank statements into organized books with AI, monitor cash flow, and export clean reports at tax time. Because you track by simply chatting or uploading statements, there is no complicated accounting software to learn, and a free tier to start — you only pay for the AI features you use through Auricoins.

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. Ask questions like 'How much is left in my food budget this month?' and get an instant answer. You can also use our free Budget Planner tool with no signup to build a plan in minutes.

09 — Don't take our word for it

Have a question? Ask the AI yourself.

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 questionsOnline

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

Answers are AI-generated and may be simplified. The full experience lives in the app.

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 to start, no card.

Start your free journeyTry on Telegram

100,000+ users chatting with AI about their finances

Let AI do your bookkeeping.

Free app · No card · Upgrade with subscriptions or Auricoins

+99K

100,000+ people stopped guessing where their money goes

Tracking money shouldn't feel like a second job.

See how it works

Free to start · No card

Feature

Auritrack

YNAB

Monarch

Quicken

AI-powered tracking

Native

Limited

Basic

—

Natural language

—

Telegram integration

—

Smart file imports

AI-powered

CSV only

CSV/QFX

Manual

Pricing model

Free + plans from $3/mo

$99/year

$100/year

$35–100/year

Have a question? Ask the AI yourself.

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 questionsOnline

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

Answers are AI-generated and may be simplified. The full experience lives in the app.

Your money story starts today.

100,000+ users chatting with AI about their finances

Let AI do your bookkeeping.

Tracking money shouldn't feel like a second job.

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

Understands plain English

Lives inside Telegram

Reads your bank statements

Answers “where did my money go?”

Sees around corners

One ordinary day. Zero bookkeeping done by you.

Coffee on the way in

A question over lunch

The backlog, handled

The money talk

100,000 people stopped guessing.

The finance app that works the way you think.

AI-native from day one

Natural language tracking

Works inside Telegram

Smart file imports with AI

Free app, 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.02How much does Auritrack cost?

Q.03What are Auricoins and how do they work?

Q.04How does the Telegram bot work?

Q.05Can I upload bank statements and financial files?

Q.06Is there a manual tracking option, or must I use AI?

Q.07What kind of AI insights can I get?

Q.08Is my financial data secure with AI processing?

Q.09Who is Auritrack best suited for?

Q.10Can I import my data from another expense tracker?

Q.11Can I export my data and use it offline?

Q.12What if I want to delete my account?

Q.13Can Auritrack do my bookkeeping automatically?

Q.14Does Auritrack work for small businesses and freelancers?

Q.15Is Auritrack a good budgeting app?

Have a question? Ask the AI yourself.

Your money story starts today.

Let AI do your bookkeeping.

Tracking money shouldn't feel like a second job.

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

Understands plain English

Lives inside Telegram

Reads your bank statements

Answers “where did my money go?”

Sees around corners

One ordinary day. Zero bookkeeping done by you.

Coffee on the way in

A question over lunch

The backlog, handled

The money talk

100,000 people stopped guessing.

The finance app that works the way you think.

AI-native from day one

Natural language tracking

Works inside Telegram

Smart file imports with AI

Free app, 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