Every transaction in one ledger
Transactions are grouped by month with their category, account and note. Search or filter by account when you need one thing.
Know where your money went.
Send what you spent on WhatsApp or forward a receipt. Expense Tracker files it in naira, keeps your budgets current and recaps your day.
Free plan · No card needed · About a minute to set up
- Log from WhatsAppMessage “Lunch 2,800” and it is recorded.
- Forward receipts and bank alertsEmail receipts and alerts become ledger entries.
- Review before recordingTurn it on and nothing is saved until you confirm.
- Built for nairaNGN and Lagos time by default.
Finding out at month end is too late
Tracking it the usual way
- Spending split across cash, bank apps and transfers
- A notebook or spreadsheet you stop updating by the second week
- Budgets you check after the money is already gone
With Expense Tracker
- Cash, bank and transfers in one ledger with one balance
- Each expense logged in seconds from the chat you already use
- An alert when a category gets close to its limit
See every naira before the month ends
Budgets that warn you early
Give each category a monthly limit. You see what is spent and what is left, and you hear about it when a category is close.
Reminders and a daily recap
Choose when you want a nudge to log spending and when the day’s summary arrives.
- A daily summary of what you spent
- Reminders to log your expenses
- Alerts as you near a budget limit
Accounts and categories your way
Keep everyday spending apart from savings, and colour-code the categories you actually use.
Get Expense Tracker freeFree plan · No card needed · About a minute to set up
Try logging an expense
This works like the WhatsApp chat in the App: type an amount and what it was for. Your real entries stay private in your own Goalmatic workspace.
Expense Tracker on WhatsApp
- Bolt to Yaba 3,200
- Saved ₦3,200 to Transport. ₦8,000 left of ₦25,000 this month.
- Suya 3,000
- Saved ₦3,000 to Food. ₦20,800 left of ₦60,000 this month.
Today
- Suya 3,000Food₦3,000
- Bolt to YabaTransport₦3,200
October budgets
Food₦39,200 / ₦60,000
Transport₦17,000 / ₦25,000
Data and airtime₦6,500 / ₦10,000
For money that moves every day
Cash at the market, transfers for fuel, a card at the supermarket. Expense Tracker keeps all of it in one ledger.
From this page to your first entry
Create your free account
Sign up with Google or your email address. It takes about a minute.
Approve Expense Tracker once
Your ledger, categories and budgets are set up in your own workspace.
Log your first expense
Add it on the web, or connect WhatsApp and send it as a message.
Also included
- Teach it your spending
- Tell the AI how to handle the purchases that are specific to you.
- Income and transfers
- Record money coming in and moving between accounts as well as spending.
- A default category
- When the AI can’t tell what something was, it uses the category you chose.
- Works on your phone
- The full ledger, budgets and settings in a phone layout with bottom navigation.
Free to start
Installing Expense Tracker and keeping your ledger are free. AI actions, such as reading a WhatsApp message or a receipt, use Goalmatic credits, and the Free plan includes 30 every month.
₦0a month on the Free plan
- Expense Tracker installed at no cost
- 30 Goalmatic credits every month
- One account for every Goalmatic App
- No card needed to start
Need more? Paid plans start at ₦5,000 or $5 a month. Compare plans
Questions people ask first
Is Expense Tracker free?
Yes. Installing it and keeping your ledger are free. AI actions, such as reading WhatsApp messages and receipts, use Goalmatic credits. The Free plan includes 30 a month.
Do I need WhatsApp?
No. You can do everything on the web. WhatsApp and forwarded receipts are optional ways to log spending faster.
Does it connect to my bank account?
No. Forward your bank alert emails and receipts instead, and they are recorded for you.
Who can see my money?
Your ledger lives in your own Goalmatic workspace. Only people you add to that workspace can see it.
Can I track my business too?
Yes. Use a separate Goalmatic workspace for the business so personal and business spending stay apart.
What happens if I uninstall?
Your records stay in your workspace as regular Tables unless you choose to delete the App data when you uninstall.
What is Goalmatic?
Goalmatic is the platform Expense Tracker runs on. One free account opens every Goalmatic App, such as Expense Tracker, Bookins, Store Studio and Social Studio, with one workspace and one bill.
Start your ledger today.
Create your free account, approve Expense Tracker once and log your first expense in under a minute.
Get Expense Tracker freeFree plan · No card needed · About a minute to set up