AI Expense Tracker
The AI expense tracker that never asks for your bank login.
Numero reads the receipts, bills, subscriptions, and refund emails already in Gmail and Outlook — no bank connection, no manual entry required, no budget to maintain.
Read-only Gmail and Outlook access. No bank credentials. Cancel anytime.
What it does
Four things Numero organizes automatically.
Purchases, bills, and receipts
Receipts, invoices, and bills that land in a connected inbox are recognized and organized by merchant, amount, date, and category — no manual entry required.
Subscriptions and recurring charges
Renewals, trials converting to paid plans, and price increases are tracked by merchant, so a quiet price hike doesn't stay quiet.
Refunds and duplicate charges
A refund promise stays connected to the return that triggered it, and Numero flags it when the same merchant appears to have charged you twice.
Deadlines that cost money if missed
Return windows, warranty coverage, and insurance renewals surface as a Financial Moment while there's still time to act — not after.
Three ways to track expenses
Bank-linked apps, spreadsheets, or your inbox.
Each method sees a different slice of your spending. Numero starts from the evidence already in your email, not a bank connection or a blank spreadsheet.
| Method | Useful for | What remains manual |
|---|---|---|
| Bank-linked expense trackers | Automatic capture of card and bank transactions after they post | Requires bank or card login credentials, and many receipts, subscriptions, and refund details never appear as a clean transaction line |
| Manual spreadsheet | Full control over categories and a one-time snapshot of what you enter | Requires finding, entering, and updating every purchase, refund, and renewal by hand |
| Numero | Purchases, bills, subscriptions, refunds, and receipts recognized automatically from Gmail and Outlook, with the source message behind every fact | No bank or card login required — but cash and in-person purchases with no email trail need a quick manual add or receipt scan in the app, and it isn't a bank-reconciliation, accounting, tax, or budgeting tool |
Every kind of financial evidence, one place
Eight ways Numero organizes your inbox.
Subscriptions
Recurring charges, trials, and price changes — tracked by merchant.
Learn moreRefunds
Connects the order, the return, and the refund into one case.
Learn moreTravel bookings
Flights, hotels, and confirmation numbers in one place.
Learn moreDuplicate charges
Catches the same charge hitting twice, side by side.
Learn moreInsurance renewals
A reminder before a policy lapses or renews at a new rate.
Learn moreRead-only. No bank login. Metadata only.
Numero connects to Gmail and Outlook through read-only OAuth.
Never a bank or card login. Numero can view the receipts and bills you authorize, but it can never send, delete, or modify anything, and it stores structured metadata rather than your original emails.
Further reading
Frequently asked
AI expense tracking, in plain terms.
What is an AI expense tracker?
An AI expense tracker uses AI to recognize purchases, bills, and other financial activity automatically, instead of asking you to enter every transaction by hand. Numero reads receipts, invoices, subscription renewals, and refund emails from the Gmail or Outlook account you connect, and organizes them into a structured, searchable history by merchant, amount, date, and category.
Is Numero free?
Yes. Numero's Explorer plan is free, with no credit card required, and includes a connected inbox source, search, and a daily Financial Moments briefing. Paid plans add more connected sources and deeper history for people who want more coverage, but the core expense-tracking workflow works on the free plan.
Does an AI expense tracker need my bank login?
Not with Numero. It reads receipts, bills, and renewal emails already sitting in the inbox you connect, and it never asks for a bank or card login, routing number, or account credentials. That's different from bank-linked trackers, which require you to hand over financial-institution credentials, often through a third-party aggregator, before they can see a single transaction.
How is this different from a budgeting app?
A budgeting app asks you to set spending categories and limits, then tracks whether you stayed inside them. Numero doesn't ask you to build or maintain a budget. It watches purchases, bills, subscriptions, and deadlines you already have evidence for, and only surfaces something — a renewal, a duplicate charge, a closing return window — when it's worth your attention.
Does Numero work with Outlook as well as Gmail?
Yes. Gmail and Outlook use the same read-only, provider-neutral pipeline, so subscriptions, invoices, refunds, and receipts are recognized the same way regardless of which inbox you connect.
What won't an AI expense tracker like Numero catch?
Numero only finds automatically what reaches a connected inbox. Cash purchases, in-person card payments with no emailed receipt, and accounts that don't send confirmation emails won't appear on their own — for those, add the expense manually in the Numero app, or upload or photograph the receipt on Pro and review the extracted details before anything is saved. Numero also isn't a bank-reconciliation, accounting, tax, or investment tool — it's built to organize the financial evidence already in your email, not replace those systems.
Start with what your inbox already knows.
Connect Gmail or Outlook in under a minute. Free to start, no bank login, no budget to set up.