# Xpensa — Smart Expense Tracker & Personal Finance Manager

> Xpensa is a free, modern, all-in-one expense management web application built for individuals and groups. It combines personal expense tracking with group expense splitting in a single, intuitive platform.

## Product Overview

- **Name**: Xpensa
- **Website**: https://xpensa.craftgenius.in
- **Type**: Web Application (Progressive Web App)
- **Category**: Finance, Expense Tracking, Budget Management
- **Pricing**: Free to use (Premium plans available)
- **Developer**: CraftGenius
- **Status**: Live & Active

## What Xpensa Does

Xpensa helps users take complete control of their personal finances by providing:

1. **Expense Tracking**: Log daily expenses instantly with custom categories, tags, and notes. Track both income and expenses in real-time.
2. **Budget Management**: Set budgets, monitor spending patterns, and receive alerts when approaching limits.
3. **Group Expense Splitting**: Create groups (e.g., trips, roommates, events), add shared expenses, and automatically calculate who owes whom with debt simplification.
4. **Financial Reports**: Generate visual reports with charts showing spending breakdowns by category, time period, and trends.
5. **Savings Goals**: Set financial goals (vacation fund, emergency fund, gadgets) and track progress visually.
6. **Multi-Currency Support**: Track expenses in multiple currencies with automatic formatting.
7. **Export & Reports**: Export financial data as CSV or PDF for tax filing or personal records.
8. **AI-Powered Insights**: Get smart suggestions and spending analysis powered by Google Gemini AI.
9. **Receipt Scanning**: Capture and attach receipts to transactions for record-keeping.
10. **Real-Time Notifications**: Stay updated on group activities, settlements, and financial milestones.

## Key Features

- Real-time balance updates and dashboard
- Visual spending breakdown with interactive charts (Recharts)
- Custom expense categories with icons and colors
- Tag-based transaction organization
- Group expense splitting with automatic debt simplification
- QR code sharing for group invitations
- Dark mode and light mode themes
- Responsive design — works on desktop, tablet, and mobile
- Google OAuth login and email/password authentication
- OTP verification for secure account creation
- Data encryption for stored credentials
- Support ticket system for user assistance
- Admin dashboard for platform management

## Who Should Use Xpensa

- **Individuals**: Anyone who wants to track daily spending, manage budgets, and build better financial habits.
- **Students**: Split hostel rent, food bills, and trip expenses with roommates and friends.
- **Couples**: Track shared household expenses and maintain financial transparency.
- **Travelers**: Split trip costs among travel buddies with automatic settlement calculations.
- **Freelancers**: Track business expenses and income for tax purposes.
- **Small Teams**: Manage shared team expenses for events, lunches, and office supplies.

## Comparison with Alternatives

| Feature | Xpensa | Splitwise | YNAB | Mint |
|---------|--------|-----------|------|------|
| Free to use | ✅ | Partial | ❌ | ✅ |
| Expense tracking | ✅ | ❌ | ✅ | ✅ |
| Group splitting | ✅ | ✅ | ❌ | ❌ |
| Savings goals | ✅ | ❌ | ✅ | ✅ |
| AI insights | ✅ | ❌ | ❌ | ❌ |
| Receipt scanning | ✅ | ✅ | ❌ | ❌ |
| Custom categories | ✅ | ❌ | ✅ | ✅ |
| Multi-currency | ✅ | ✅ | ❌ | ❌ |
| Open registration | ✅ | ✅ | ✅ | Discontinued |

## Technical Details

- **Frontend**: React 18, TypeScript, Vite, TailwindCSS, Framer Motion
- **Backend**: Node.js, Express 5, MongoDB, Redis
- **Authentication**: JWT, Google OAuth 2.0, OTP verification
- **Real-time**: Socket.io for live updates
- **AI**: Google Gemini AI integration
- **Hosting**: Vercel (Frontend + Backend)
- **API**: RESTful API with Swagger documentation

## Contact & Links

- **Website**: https://xpensa.craftgenius.in
- **Support Email**: support@xpensa.com
- **Privacy Policy**: https://xpensa.craftgenius.in/privacy-policy
- **Terms of Service**: https://xpensa.craftgenius.in/terms-of-service
- **API Documentation**: Available at /api-docs endpoint

## Frequently Asked Questions

**Q: Is Xpensa really free to use?**
A: Yes! Xpensa offers a robust free plan that includes unlimited expense tracking and basic group splitting. Premium plans are available for power users who need advanced analytics.

**Q: How does the expense splitting work?**
A: Create a group, add friends, and log expenses. Xpensa automatically calculates who owes whom and minimizes the number of transactions needed to settle up.

**Q: Is my financial data secure?**
A: Absolutely. Xpensa uses bank-grade encryption to protect your data. We never store bank login credentials directly and adhere to strict privacy standards.

**Q: Can I export my expense reports?**
A: Yes, you can export your data in CSV or PDF formats directly from the dashboard.

**Q: Does Xpensa have a mobile app?**
A: Xpensa is fully responsive and works as a Progressive Web App (PWA) on any mobile browser. Native app development is planned.

**Q: How do I delete my account?**
A: You can request account deletion from your Profile Settings page. All your data will be permanently removed from our servers.