From solo freelancers to growing businesses — Nordic Expense has everything you need to understand and control your finances.
Log every expense in seconds via Telegram or WhatsApp. Manual entry and OCR scanning supported. Set custom categories and tags.
Record income from any source — salary, freelance, dividends, or side income. See your net position at a glance with income vs. expense summaries.
Create budgets by category, workspace, or custom period. Get alerts before you overspend. Visual progress bars in every report.
Set savings targets for vacations, gadgets, emergencies, or any goal. Track progress monthly and get motivated with milestone alerts.
Track recurring bills, due dates, and payment status. Never miss a payment with automatic reminders and a clear overview of upcoming obligations.
Create separate workspaces for different teams, projects, or clients. Control member access and budgets at the workspace level.
Build a smart merchant directory that remembers your vendors. See spending per merchant, track visit frequency, and let the AI auto-match new expenses.
Manage multiple financial accounts — bank accounts, cash, cards, digital wallets. Track balances and see where your money lives.
Visualize money in vs. money out across any time period. Identify trends, spot seasonal patterns, and plan ahead with cash flow projections.
Track expenses in any currency with automatic conversion to your home currency. See blended rates and historical exchange data.
The bot automatically detects expenses that recur monthly — Netflix, Spotify, rent — and classifies them as recurring. Never double-count subscriptions.
Get budget warnings before you overspend, anomaly alerts for unusual charges, and weekly spending summaries — all delivered via your preferred messaging app.
AI identifies recurring payments from your expense history and groups them in a dedicated subscriptions view. Track your total subscription spend monthly.
Every Monday morning, get a beautifully formatted digest of last week's spending, budget status, and top categories — automatically sent to your bot.
The AI learns your typical spending patterns and alerts you when something looks unusual — unexpected large charges, duplicate transactions, or overspending.
Take a photo of any receipt and our OCR engine extracts the merchant, date, total, and line items. Confirm or edit before saving.
Upload PDF bank statements and the AI parses all transactions automatically. Review, categorize, and import in bulk.
The AI automatically categorizes expenses based on merchant name and description. It learns your preferences over time for even better accuracy.
Get personalized spending insights and savings tips powered by AI. The coach analyzes your patterns and suggests actionable ways to improve your finances.
Type expenses naturally — 'Coffee at Starbucks 4.50' or 'Paid rent 850 euros' — and the AI extracts everything. No special syntax needed.
Get a detailed monthly report sent automatically on the 1st of each month. Includes spending by category, top merchants, budget compliance, and month-over-month comparison.
An annual spending retrospective with 12-month trend charts, biggest categories, and year-over-year comparison. Export as CSV for tax preparation.
See exactly how much goes to each spending category — Food, Transport, Entertainment, Utilities — with percentage breakdowns and visual charts.
Compare your planned budget against actual spending for every category. See where you overspent and where you saved.
Export any time range of expenses to CSV with full metadata — date, amount, category, merchant, notes, workspace. Compatible with Excel and accounting software.
All data is encrypted in transit with TLS 1.3 and at rest with AES-256. Your financial data is never stored in plaintext.
View and manage all active sessions from your account settings. Terminate suspicious sessions remotely with one click.
Every action in your account — expense added, budget changed, member invited — is logged with a timestamp for full traceability.
Optional two-factor authentication via TOTP apps (Google Authenticator, Authy). Recovery codes provided on setup.
Export all your data at any time in CSV format. You own your data — download it or delete it whenever you want.
Nordic Expense is fully GDPR compliant. Data processed in EU datacenters. Right to access, rectify, and erase data honored.
No app to download. Track expenses where you already spend time — Telegram and WhatsApp.
Smart categorization improves with every expense. The bot remembers your merchants and patterns.
EU-hosted, GDPR compliant, AES-256 encryption. Your financial data stays yours.
Start with our free plan and upgrade whenever you need more.
