One structured platform for shared spending, approvals, contribution tracking, settlements, and reports — for teams, apartments, and organizations.
No credit card required · Set up in under 2 minutes
Chats, spreadsheets, and memory are not enough when multiple people are paying, approving, and settling together.
Nobody knows who paid what
Manual splitting creates disputes
No visibility into balances
No approval flow for expenses
Contributions hard to track
Excel fails as the team grows
From submission to settlement and reporting — Xpenso keeps every financial workflow in one place.
Submit with receipts. Admins approve. Full audit trail.
Split equally or selectively. Shares reflected in settlements.
Per-member virtual cards. Peer-to-peer transfers with admin approval.
Verified payment workflow with receipts, comments, and reversals.
Monthly targets, carry-forward balances, per-person tracking.
Category breakdowns, trend charts, PDF and Excel exports.
Create workspace, assign roles, define categories, invite members.
Members submit, admins approve, smart splitting handles the math.
Balance sheet, reports, exports — everyone on the same page.
Track groceries, utilities, rent with monthly balance sheets.
Approval workflows and receipt requirements without enterprise cost.
Link expenses to tasks, enforce deadlines, export for clients.
Split expenses across members, settle cleanly at the end.
Multiple properties, single admin dashboard.
Every metric, trend, and balance — visualized in one dashboard.
Full workflow on iOS and Android — expenses, approvals, reports, notifications, and admin actions.
Split equally across all members or among specific selected members. Shares calculated instantly and reflected in settlement.
Every member gets a 16-digit virtual card with a balance. Members can transfer credits peer-to-peer (subject to admin approval), and admins can top up balances or correct mistakes. Useful for managing internal credit without touching real bank accounts.
When a member pays another outside the app, they record the payment with optional receipt. Verification is configurable — admin-only, receiver-only, either, dual signoff, or auto-approve below a threshold. Approved settlements write immutable ledger entries that update balances.
Yes. Admins can reverse any approved settlement with a required reason — the ledger creates an exact opposite entry so balances stay correct and the original record is preserved.
EasyPaisa, JazzCash, bank transfer, cash, and other — all are first-class options when recording a settlement.
Yes. One account can belong to multiple fully isolated workspaces with instant switching.
Each role has configurable permission toggles including auto-approval for trusted roles.
Professional PDF with KPI cards, multi-sheet Excel, and CSV import for bulk data.
Auto-detection of column mappings from any CSV or Excel — no template required.
Built for both — shared apartments to formal business expense management.
Generate a public link for read-only viewing of approved expenses.
Yes — complete spec covering 66+ API endpoints for iOS and Android.
Track, approve, split, settle, and report — one platform for teams, apartments, and organizations.
No credit card required · Set up in under 2 minutes