Take control of your money without linking a bank account.

Ctrl Xpenses helps you organize spending, budgets, credit cards, debt payoff, goals, investments, and net worth in one private app.

KNOW WHAT YOU CAN SPEND

Set category budgets, record transactions, and check what remains before you buy. Identify recurring expenses and subscriptions to understand where your money goes each month.

CONTROL CARDS, STATEMENTS, AND INSTALLMENTS

Add cards and limits, follow installment purchases, and see each plan’s progress, such as payment 3 of 12. Review statement periods, due dates, and estimated totals so you can prepare without surprises.

BUILD A DEBT PAYOFF PLAN

Compare snowball and avalanche strategies. Simulate extra payments and estimate how they may change your payoff date and interest. Choose a realistic plan and track your progress.

BUILD YOUR NET WORTH

Set savings goals, record contributions, and see progress. Bring assets, liabilities, and investments together to understand your net worth. Use multiple currencies when needed.

KNOW YOUR NEXT STEP

Review financial health indicators and levels to decide whether to adjust your budget, build a safety net, reduce debt, or advance toward a goal.

PRIVATE BY DESIGN

• Financial entries are stored locally.
• No account is required.
• No bank connection is required.
• Protect access with biometrics.
• Export and back up your data.
• No ads or advertising tracking.

START FREE

Record transactions and try essential tools at no cost. Ctrl Xpenses Pro raises limits and unlocks advanced features with a monthly plan, annual plan, or lifetime purchase.

Simulations are informational estimates and are not financial advice. Some features require connectivity, device support, or a Pro purchase.