# Nexpenz > Nexpenz is an expense tracker and AI finance assistant app developed by ZORTLE LABS. It helps you track expenses and income, manage budgets, subscriptions, loans, and recurring bills — with AI-powered insights via Ask Nex-i, group expense splitting with Smart Circles, and a personal Memory Book. Available on iOS and Android. Free and premium plans available. ## About Nexpenz is a comprehensive personal finance management app designed to give users full visibility and control over their money. It combines everyday expense tracking with intelligent features like an AI chat assistant, group spending, and loan management — all in one place. Tagline: "Your financial life, finally clear." Developer: ZORTLE LABS Location: Kottayam, Kerala, India Support: support@nexpenz.com Website: https://www.nexpenz.com ## Features ### Expense Tracking Log income and expenses in seconds. Understand real spending habits with a complete, searchable transaction history organised by category, time period, and payment method. ### Ask Nex-i: AI Finance Assistant Chat with Nex-i, your AI-powered finance assistant, directly from your dashboard. Ask natural language questions like "How much did I spend last month?" or "What's my biggest expense category?" and get instant, accurate answers from your own financial data. Nex-i also surfaces smart insights on spending patterns, trends, and upcoming bills. Note: Nex-i does not use your financial data for AI model training. ### Smart Budgets with Reusable Templates Create detailed budgets and save them as reusable templates for recurring use. Apply templates to new months or projects instantly to stay on track without starting from scratch. ### Recurring Bills & Alerts Set personalised reminders for recurring bills and never incur late fees. Customise alert timing to suit your schedule — days or hours before a bill is due. ### Subscription Tracking View all active subscriptions in one place, track payment amounts and due dates, and set smart renewal reminders to prevent surprise charges and forgotten subscriptions. ### Reports & Insights Filter transactions by income/expense, date range, payment mode, method, and categories. Get detailed breakdowns by category and time period, spot spending trends, and compare months side by side. ### Smart Circles: Group Spending Create circles with friends, family, or colleagues to manage shared expenses and split bills. Automatic settlement calculations and transparent expense tracking make it easy to settle up fairly. ### Loan Management Track all loans in one dashboard. Monitor due dates, interest accrual, and payment history. View loan progression and outstanding balances at a glance. ### Memory Book Document financial milestones and memorable events. Capture life's moments and revisit key achievements and special occasions over time. ## Pricing All plans include every feature. The free plan has sensible usage limits; paid plans expand or remove those limits. No credit card required to start. ### Free — $0 forever Access every feature with sensible limits. No card required. - 30 transactions per month - 1 base, 2 accounts - 1 circle with 2 members - 6 categories, 3 subcategories - 2 payment modes, 2 payment methods - 1 budget template - 1 recurring bill - 1 subscription - 1 loan - 1 Memory Book entry - Ask Nex-i AI: 3 chats/day ### Standard — $2.99/month (or $29.99/year, save 16%) More room for growing finances. Pricing by currency: - USD: $2.99/month or $29.99/year - INR: ₹99/month or ₹999/year - EUR: €2.99/month or €29.99/year - 300 transactions per month - 3 bases, 5 accounts - 3 circles, 10 members - 20 categories, 10 subcategories - 5 payment modes, 5 payment methods - 5 budget templates - 5 recurring bills & reminders - 5 subscriptions - 5 loans - 5 Memory Book entries & reminders - Ask Nex-i AI: 10 chats/day - MCP integration — 2 API keys - Priority customer support ### Pro — $4.99/month (or $49.99/year, save 16%) No limits. No compromises. Your full financial picture, always. Pricing by currency: - USD: $4.99/month or $49.99/year - INR: ₹199/month or ₹1,999/year - EUR: €4.99/month or €49.99/year - Unlimited transactions - Unlimited bases & accounts - Unlimited circles & members - Unlimited categories & subcategories - Unlimited payment modes & methods - Unlimited budget templates - Unlimited recurring bills & reminders - Unlimited subscriptions - Unlimited loans - Unlimited Memory Book entries & reminders - Ask Nex-i AI: 20 chats/day - MCP integration — 5 API keys - Priority customer support ## MCP Integration Nexpenz supports the Model Context Protocol (MCP), allowing users to connect their AI assistant to their Nexpenz financial data. Supported clients: Claude Desktop, Cursor, ChatGPT (desktop), and Gemini CLI. - Read-only access — your AI assistant can query but not modify data - Requires Standard or Pro plan - Authenticated via API keys generated in Settings → MCP API Keys (Standard: 2 keys, Pro: 5 keys) - Claude Desktop, Cursor, and ChatGPT use mcp-remote bridge (npx, no separate install); Gemini CLI connects directly over HTTP - Available tools cover: spending summaries, income, budgets, transactions, subscriptions, loans, recurring bills, circles, members, and memory book Setup: generate API key in app → select your AI client → paste config snippet → restart client. - [MCP Integration](https://nexpenz.com/mcp): Full setup guide with per-client config snippets and FAQ. ## Newsletter Nexpenz publishes a weekly finance insight newsletter — one practical money insight per week, no generic advice. Subscribe via the homepage at https://nexpenz.com. ## Links - [Home](https://nexpenz.com/): Main landing page with features, pricing, and app download links. - [Features](https://nexpenz.com/features): Full breakdown of all 9 features with anchor navigation by feature category. - [Pricing](https://nexpenz.com/pricing): Full plan comparison with detailed feature limits and multi-currency pricing. - [Contact](https://nexpenz.com/contact): Contact form and support email for customer inquiries. - [MCP Integration](https://nexpenz.com/mcp): MCP setup guide for connecting your AI assistant to Nexpenz financial data. - [Privacy Policy](https://nexpenz.com/privacy-policy): Data collection, financial data handling, Nex-i data processing, and user rights. Nex-i data is NOT used for model training. - [Terms and Conditions](https://nexpenz.com/terms-and-conditions): Terms of service covering subscriptions, AI feature disclaimers, and prohibited uses. - [Delete Account](https://nexpenz.com/delete-account): Form for requesting account and data deletion.