Best Expense Tracker Without Bank Linking in 2026: The Privacy First Guide
1,113 data breaches were reported to the Australian Information Commissioner…
Expense6 introduces Work Zones. Create distinct, isolated spaces for your Businesses, your Personal Life, your Car, or your Home Project.
Organize distinct projects or finances into their own dedicated spaces.
Unique, customizable categories can be defined for each work zone.
Map specific bank accounts or credit cards to each zones.
Every zone features dedicated summaries, analytics, and reports for complete clarity
With Expense6, you don’t share your password; you share the Work Zone. Invite your partner to manage the household budget, or give your accountant direct access to your business transactions.
Invite team members, partners, or spouses as contributors to only the work zone you need to share. Manage spending transparently.
Adding a person to your work zone is as easy as scanning a QR.
Share specific Workzones and date-range filtered records with your accountant / tax agent instantly. They can see the
Set clear spending limits for any Workzone account—whether for your household, a project, or your business
See how your current spending compares to last month, every time you add an expense.
Use the built-in calculator to crunch numbers while logging expenses
Set up your rent, subscriptions, and utility bills once. We track them automatically so you never miss a payment or a deduction.
Create and send custom invoices & quotations in seconds from your phone. Track payment status and record transactions automatically on payment.
Create professional invoices under a minute with saved presets.
Automatically generate and share receipts for payments received.
Keep spending on track by assigning budgets to every Workzone. See exactly where you stand with visual progress bars.
Track each property’s income, repairs, utilities, and fees. Store receipts and send summaries to accountants easily.
Issue invoices, categorize purchases, and keep complete Tax-compliant records.
If you earn and spend, Expense6 helps you stay organized and financially disciplined.
Organize finances by project or department. Collaborate with staff and share records securely.
Your financial data is yours, not ours. We operate under the strictest data protection laws in the world. As an Australian company adhering to European GDPR standards, we ensure your financial life remains 100% private and secure.
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Perfect for students and personal budgeting.
For freelancers who need tax organization.
For investors managing multiple portfolios.
For businesses and corporations that need to manage expenses and reinbursment.
Our users love how effortlessly the app simplifies their daily routines helping them stay organized.
The #1 financial app for entrepreneurs.
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Absolutely. We use bank-grade AES-256 encryption to protect your data. We do not sell your personal information to third parties, and you can export or delete your history at any time.
A Workzone is a dedicated space for specific finances. You can create one for "Home Expenses" and another for "Freelance Work." This keeps your tax deductions separate from your grocery bills without needing two different apps.
Yes. Our Starter plan is 100% free and includes up to 20 Workzones. You can use it free to 100 transactions with access to all the features.
Yes. You can generate PDF or CSV reports instantly. If you are on the Pro plan, you can give your accountant "View Only" access to specific Workzones so they can get what they need without seeing your personal spending.
Yes. Expense6 syncs in real-time between your iPhone, Android, and Desktop. Start logging an expense on your phone and finish it on your laptop instantly.
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"The ability to generate a professional PDF invoice while I'm still shaking the client's hand is incredible. No more waiting until I get home to 'do the paperwork.' I get paid faster because I invoice faster. Simple as that"
Priya K Consultant