inpensa
Coming soon — join the waitlist

Track your money,
shared money,
and what you're owed.
One app.

inpensa unifies personal finance, group expense splitting, and debt tracking into one encrypted, offline-capable app. Your data never leaves your device unencrypted.

Download — it's free Try the web app
End-to-end encrypted iOS · Android · Web

One app. Three financial superpowers.

Every part of your financial life in one place — no more switching between apps.

Personal Finance OS

A drag-and-drop canvas for your money. Accounts, budgets, income, expenses, and recurring payments all in one visual space.

iOS · Android · Web

Shared Outlays

Split expenses with anyone — couples, roommates, trips. Flexible split rules, settlement tracking, and real-time sync.

iOS · Android · Web

Debt Book + Vault

Track informal debts, IOUs, and loans. With an optional private vault — encrypted, deniable, and visible only to you.

iOS · Android · Web

The power you've been missing.

Built from the ground up for people who take their financial life seriously.

Privacy by design

We can't read your data. By design.

All financial data is encrypted on your device before it leaves. The server only ever receives ciphertext. Even if our servers were breached, your data is unreadable.

Learn how it works

Offline-first native apps

Works without internet. Always.

iOS and Android apps store everything locally first. Every write queues and syncs when connectivity returns. No spinners, no loading states — instant, always.

Unified data model

Every transaction linked across all three pillars.

A dinner expense is simultaneously in your personal finance as a food spend, in the outlay as a group split, and settled as a debt. One entry, complete picture.

Subscriptions, handled

Every subscription, in one place — before it charges you.

Track Netflix, Spotify, the gym, and every SaaS by hand, each with its own logo and renewal date. Reminders warn you before a charge lands or a trial converts, and renewals log themselves. Names and amounts are encrypted on your device — never readable by us.

Explore recurring payments

Simple, transparent pricing.

Start free. Upgrade when you're ready.

Free

$0/ forever

Everything you need to get started.

  • Personal finance core
  • 2 active shared outlays
  • Basic debt tracking
  • Recurring payments manager
  • iOS, Android & Web
  • 10+ languages
  • Offline-first native apps
Get started free

Premium

Most popular
$7.99/ per month

For power users who want everything.

  • Everything in Free
  • Unlimited shared outlays
  • Private Vault
  • OCR receipt scanning
  • Bank sync (Plaid)
  • Advanced analytics
  • CSV / XLSX / PDF export
  • Priority support
Start Premium

Business

$24.99/ per month

For teams and growing organizations.

  • Everything in Premium
  • Team expense management
  • Multi-admin workspace
  • Approval workflows
  • Audit export
  • Dedicated support
Contact us

All plans include end-to-end encryption. Learn more.

Be first when we launch.

We're putting the final touches on inpensa. Join the waitlist and get early access.

Join the waitlist — be first to know when we launch.

We'll email you when inpensa is ready, plus occasional product updates. Unsubscribe any time. See our Privacy Policy.