M1 ExpensIQ empowers individuals, groups, travelers, and organizations to manage personal budgets, group budgets, trip budgets, department expenses, and income in one cohesive ecosystem — powered by autonomous AI detection and predictive analytics.
Whether you are managing your personal monthly finances, splitting flat rent with friends, tracking a vacation trip, or handling departmental team expenses.
Take charge of your individual monthly income and spending. Set customizable envelope limits for groceries, dining, utilities, entertainment, and long-term savings.
Collaborate seamlessly with flatmates, families, or project groups. Share a single pool, record individual contributions, and track combined group spending limits.
Plan vacations and business trips without financial stress. Set total trip caps, monitor per-day expenses, handle multi-currency conversions, and see final cost splits.
Designed for companies, startups, and teams. Manage departmental operating budgets, track cost-center spending, approve reimbursements, and enforce policies.
No more manual sorting. M1 ExpensIQ autonomously analyzes every financial transaction, instantly determines whether it is an Expense or Income, and assigns it to the exact category with actionable insights.
UPI, Bank Feed, Receipt OCR, Invoice, Manual Entry
Neural NLP & Merchant Entity Recognition
Classified as Expense or Income
Assigned to Personal, Group, Trip, or Dept
Budget pacing updates & savings recommendations
Balance the full equation. Track every rupee going out and every rupee coming in with unified cash-flow intelligence.
Effortlessly capture, categorize, and monitor spending across all areas of your life and business with automated recurring expense detection and filtering.
Track all revenue streams in one place — salary, freelance earnings, client project payments, dividends, business revenue, and rental yields.
Managing money with others shouldn't involve awkward reminders or messy spreadsheets. M1 ExpensIQ makes collaborative budgets transparent and intuitive.
Share household rent, groceries, electricity bills, and maid expenses with instant split calculations and transparent contribution history.
Pool travel funds, track hotel and food bills on the go, convert currencies in real time, and settle up with zero friction at the end of the trip.
Empower team leaders with department budgets, allow staff to submit expense claims with receipts, and approve reimbursements with audit trails.
A fast, intuitive mobile app for capturing transactions on the go — paired with a deep, powerful web dashboard for strategic financial planning.
Everything stays in real-time sync across your devices. Snap a receipt on your iPhone or Android phone during lunch, and review your department budget analytics on your desktop MacBook or Windows workstation.
One login grants full access across iOS, Android, and Desktop browsers.
Explore the full spectrum of tools built to track, understand, manage, and optimize your financial universe.
Automatically detects outflows from receipts, SMS, invoices, and bank statements with 99.4% accuracy.
Intelligently categorizes incoming cash flows across salary, client projects, dividends, and reimbursements.
Neural taxonomy sorts messy merchant descriptions into clean, tax-compliant budget envelopes automatically.
Set custom monthly and category limits with live safe-to-spend calculations to prevent lifestyle inflation.
Share collective pools with roommates and families, tracking multi-member spending with fair split visibility.
Manage travel spending with per-day limits, foreign currency normalization, and total trip cost summaries.
Allocate cost-center funds, approve team member reimbursement claims, and enforce business spending policies.
Proactive AI recommendations identify ghost subscriptions, upcoming bills, and high-ROI savings opportunities.
Interactive vector charts show spending distributions, monthly comparisons, and net cash-flow trendlines.
One-click PDF and Excel financial reports formatted for your Chartered Accountant and tax filings.
256-bit AES encryption at rest and TLS 1.3 in transit with strict zero-data-retention AI privacy models.
Seamless cross-platform synchronization across iOS, Android, and Desktop browsers with offline support.
M1 ExpensIQ is engineered with military-grade encryption and privacy-preserving AI architecture. Your financial data belongs exclusively to you.
Clear answers on how M1 ExpensIQ manages personal and group finances with AI.
Manage personal finances, group budgets, trips, departments, expenses, and income from one intelligent platform on mobile and web.