There’s a specific moment that nudged this project into existence.
I was exporting transactions from 7 bank accounts, 2 credit cards and an investment account, trying to work out how I had over-spent for the sixth month in a row. What should’ve been a 20-minute job somehow turned into 3 hours of formatting dates, renaming columns, deleting weird extra characters and trying to remember which spreadsheet had the “right” category mappings… you know the dance.
It shouldn’t be this painful just to understand where my money is going.
So I built something.
Expensible – a browser-based, privacy-first expense organisation and analytics app.
No cloud. No sign-up. No sending your data anywhere. Just open the web app, upload a CSV or Excel file, standardise it, categorise, and analyse your spending. All locally, in your browser.
I wanted something simple enough for personal budgeting, yet capable enough for freelancers and small businesses. I also wanted zero friction: no accounts, no subscriptions, no “connect your bank via an API and pray nothing breaks”. Just drop in your exported transactions and go.
Why Privacy Matters Here
I spend a lot of time thinking about where my data lives – especially financial data. Spending is deeply personal, and I didn’t want yet another SaaS tool scraping, storing, learning, profiling and re-selling insights about what I spend money on.
With Expensible:
- Your files never leave your laptop
- Processing happens 100% locally
- Works offline after first load
- You own your data. Completely.
That privacy sits at the core of the product – not as a feature, but as a philosophy.
What It Does (In Human English)
Upload a CSV or Excel export from your account → Expensible standardises it → You categorise, analyse and explore analytics.
Key things I’m excited about:
1. Automatic Standardisation
Every bank exports transactions differently, so Expensible normalises the data into a single, clean format.
Headers or no headers, strange date formats, commas in the wrong place – it handles it for you.
2. Intelligent Categorisation
Create your own categories. Make rules. Bulk assign.
If you think “Pret → Coffee → Eating Out” should auto-categorise – you can tell Expensible that.
3. Analytics
Donut charts, stacked bars, monthly breakdowns. You go from a messy sheet of numbers to clear patterns – visually.
4. Privacy-First by Design
No server. No cloud. No log of what you spend.
Just your data on your device.
Who It’s For
- Personal finance nerds who love clarity
- Freelancers who dread receipts in April
- Small business owners prepping accounts
- Privacy-first humans who hate handing data away
- Anyone who wants financial visibility without subscriptions
If that’s you → it’s live now.
👉 Try it here: https://expensible.co
(Open in browser. It has an option to use sample data if you just want to play.)
What’s Next
This is version 1. It works, and I’m proud of it but there’s more coming soon:
A Product Hunt launch, demo videos, screenshots and more blog posts (ironically, writing these is harder than writing the app). Also, even more features and improvements
If you do try Expensible, I’d genuinely love feedback.
What felt smooth? What was confusing? What stopped you?
Reply, DM me, or email vineet@vineetjobanputra.com
Here’s to financial clarity – privately.
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