The AI-powered expense tracker that respects your privacy.

Velzio is a smart expense tracker, budget planner and money manager built around one idea: your money data should never leave your phone. Log any spend in 3 seconds, get AI insights, set budgets, track savings goals — all without a single account, login or bank sync.

★ FASTEST EXPENSE LOGGING IN ANY APP
Type "coffee 4.50", "salary 3000" or "uber 12". Velzio auto-detects category, amount and whether it's expense or income. Natural language parsing learns your patterns. No forms. No dropdowns. No friction.

★ AI MONEY INSIGHTS — ACTUALLY USEFUL
Ask "where did my money go this week?" — get a plain-English answer from your real spending.
- Weekly AI spending reports
- Overspend alerts when categories spike 30%+
- Chat with your money — ask anything
- Financial health score (0–100)
- Smart suggestions to grow savings
- Auto-generated month-end summary

★ COMPLETE PERSONAL FINANCE IN ONE APP
Expense tracker, budget planner, money manager, daily expense tracker, spending tracker, income tracker, savings tracker, subscription tracker, bill tracker and credit card tracker — all in one app.

★ RECEIPT SCANNER
Point your camera at any receipt. On-device ML extracts the amount instantly. Receipts never leave your phone — no cloud upload, ever.

★ BUDGET PLANNER & SAVINGS GOALS
Set monthly budgets by category with visual progress bars. Track savings goals, recurring subscriptions, rent, insurance and bills in one place. Daily streaks keep you logging.

★ SMART ANALYTICS
50+ built-in categories. Monthly summaries, income vs expense charts, category donut, top spends, daily spending patterns. The personal finance dashboard you'd build in a spreadsheet — automatic.

★ PRIVACY-FIRST (THE REAL DIFFERENCE)
No signup. No bank login. No data ever sent to a server. No internet required. AI uses only category summaries — never your individual transactions. Biometric + PIN lock. The only AI expense tracker that works 100% offline.

Most expense trackers ask you to connect your bank or sign up with email. Velzio doesn't. The privacy of pen-and-paper, with the power of AI.

★ MULTI-CURRENCY SUPPORT
Works with USD, EUR, GBP, INR, IDR, BRL and 50+ more currencies. Travel-friendly: track expenses in multiple currencies side by side.

★ 10 LANGUAGES
English, Hindi, Spanish, Portuguese, French, German, Italian, Turkish, Indonesian, Russian.

★ AUTO-IMPORT (OPTIONAL)
On Android, optionally enable SMS detection to auto-capture bank transactions. Works with major banks worldwide. Always queued for your approval — nothing logged silently.

★ PERFECT FOR
- Students tracking allowance and dorm expenses
- Freelancers separating business and personal spending
- Couples and families running a shared monthly budget
- Anyone who wants control without giving up privacy
- Switching from Mint, Monarch, YNAB, Wallet, Money Manager or Excel

★ FREE FOREVER
The full expense tracker is free, forever. One-time payment to remove ads. AI Pro unlocks unlimited AI chats and weekly deep reports. No subscription required to use core features.

★ PERMISSIONS — IN PLAIN ENGLISH
- SMS (optional): only for bank transaction detection. We do NOT read personal messages. Deny it — the app still works fully.
- Camera: only for receipt scanning, on-device, never uploaded.

★ GET STARTED IN 30 SECONDS
1. Download — no signup
2. Type "lunch 12"
3. Done. You're tracking.

Velzio — the smartest AI expense tracker, money manager and budget planner. Built for people who want their finance data to stay theirs.