Personal finance, built for Zambia
Know where every kwacha went, and what it left behind.
Inscribed Expenses is a personal money tracker for everyday Zambian finances. It records what you earn and spend across bank accounts, mobile money and cash, then shows you the position that follows from it — what you own, what you owe, and whether this month moved you forward.
Free to use. Amounts are kept in Zambian kwacha by default, with other currencies available per account.
What you can do with it
Everything below is part of the app; there is no separate paid tier.
Track daily money
Record income and expenses against bank accounts, Airtel and MTN mobile money wallets, and cash. Mobile money charges are recorded as their own linked entry, so a balance matches the SMS alert rather than drifting from it.
See the month honestly
Reports break down earned versus borrowed income, living costs, debt payments, savings and investments, and flag the months where free cash flow turned negative.
Set goals and savings pockets
Put money aside for a named purpose and watch the balance build, including interest earned on a savings pocket.
Follow debts in both directions
Track loans you have taken and money you have lent, with principal, interest and fees kept apart so you can see the real cost of borrowing.
Run a savings group
Record contributions, payouts and group loans for a chilimba or village banking circle, and close a cycle with a share-out.
Hold investments
Follow LuSE-listed shares and Zambian government bonds, with dividends received and coupons paid counted as the return they actually are.
Bring in past records
Import an existing spreadsheet of transactions, map its columns once, and undo the whole import if the mapping was wrong.
Get summaries by email
Ask for a daily, weekly or monthly summary of what needs attention, choose which alerts are worth an email, and email yourself a yearly statement as a spreadsheet.
Use it offline
Install it to your phone’s home screen. Entries made without a signal are queued and sync when you are back online.
How you sign in
Three ways in, so a forgotten password never locks you out of your own records.
- Email and password. The ordinary way, with a reset link if you forget it.
- A six-digit code by email. We email a code that works once and expires in ten minutes.
- Continue with Google. Use a Google account you already have, with no extra password to remember.
Why we ask for your data
The short version: we ask for what signing you in and showing you your own money requires, and nothing beyond it.
If you choose “Continue with Google”
Google gives us four things: your Google account identifier, your name, your email address, and whether Google has confirmed that address. We use them for one purpose — to create or find your Inscribed Expenses account and sign you in. Your name is what the app greets you with; your email is where password resets and any summaries you ask for are sent.
We do not request access to Gmail, Google Drive, your contacts, your calendar, or your Google payment information. We do not use anything received from Google for advertising, and we do not sell it. Our use of information received from Google APIs follows the Google API Services User Data Policy, including its Limited Use requirements.
Google sign-in is optional. Email and password works just as well, and you can revoke our access at any time in your Google Account permissions.
The financial information you enter
Accounts, balances, transactions, debts, savings, goals and investments are stored so the app can show them back to you and calculate your reports. That is the product; it does not leave your account and it is not sold or shared with advertisers.
We never ask for your bank password and we do not connect to your bank. Everything comes from what you enter or import yourself.
Keeping the account safe
We record the technical minimum that running a service securely requires: hashed passwords, session cookies, sign-in history, error logs, and the IP addresses used for rate limiting. Connections use HTTPS and backups are encrypted.
The full detail — retention, your rights, who processes what, and how to have your information deleted — is in the Privacy Policy.
Who runs it
Inscribed Expenses is operated by Inscribed, based in Lusaka, Zambia. For questions about the app or your information, write to myjourneyintech@gmail.com.