FAQ

Expenlio questions, answered

The short version: Expenlio helps you decide before you spend, it never connects to your bank, and plans start at ₹199 per month. Here are the details.

What makes Expenlio different?

Most money apps track what you already spent. Expenlio helps you decide before you spend: pressure-test a purchase with Can I Afford and see it reframed five ways, plan the big stuff with built-in calculators (debt, retirement and more), ask Expenlio in plain English, project your net worth with the Time Machine, and track one Financial Health score, all from your own numbers.

Can Expenlio help me plan debt payoff and retirement?

Yes. Expenlio's Planning tools are five calculators that fill in from your own numbers: debt payoff (avalanche vs snowball), retirement and FIRE, emergency fund, net-worth milestones, and buy-vs-rent style comparisons. You see clear timelines and the interest or money you would save, without touching a spreadsheet.

How much does Expenlio cost?

Expenlio is a paid app, with no ads and your data is never sold. Plans start at ₹199 per month, and longer plans cost less per month (down to ₹169 per month on the annual plan). You can manage or cancel anytime.

Which platforms can I use it on?

Expenlio is live on the web at app.expenlio.com and on Android on Google Play, and works great in your mobile browser too. A native iOS app is coming soon.

Do I need to connect my bank account?

No. Expenlio never connects to your bank or scrapes your statements. You add accounts and transactions yourself, which keeps your credentials and data completely private and in your control.

Does the AI make up numbers?

No. Ask Expenlio only cites figures it can actually compute from your ledger. It will not invent benchmarks or hallucinate stats, so every answer is grounded in your real money, with a clear next step.

Which loans and cards are supported?

All of them. Add your loans, credit cards and BNPL, and Expenlio tracks the balances, dues and payoff with you, all in one place.

Is my financial data safe?

Your data is yours. We never sell it to banks, insurers or advertisers. Access is protected with encrypted passwords and short-lived sessions, and you can export or delete your data at any time.