the best whatsapp expense tracker, honestly compared
whatsapp expense bots went from weekend github projects to a real category. teresa is one of the contestants, so read this as a player's notes, not a referee's verdict - and check the others yourself; they move fast.
the field splits into two families. personal finance bots - gasti, poqt, gastobot and friends - track your spending: budgets, goals, sometimes bank connections. group bots - teresa, pango, hormi - live in a shared chat and track who paid what. pick the family first; the bot second.
the field
| group split + settle-up | budgets | receipts | live web page | actually free? | |
|---|---|---|---|---|---|
| teresa | yes, tabs + who-owes-who | per tab, alerts at 80/100% | photos + pdfs, 📎 | yes, no login | personal yes; groups: 30 expenses free, then $5/month flat |
| gasti | 2-person shared accounts | personal | yes | — | free plan capped whatsapp logging (~10/month) when we checked |
| poqt | —, personal finance | personal | yes | — | trial, then paid |
| hormi | yes, roommates focus | — | ? | — | ? |
| pango | yes | — | — | — | free for now, pro planned |
which one is for you
- solo budgets, bank-ish features: the personal-finance family is built for exactly that - if the subscription is worth it to you.
- a trip, roommates, a couple, any shared tab: you want the group family. teresa's case: the budgets, receipts, live page and exports are all included, and it never needs anyone to install anything.
see it on your own use case: trips, roommates, couples - or start at the guide.
somebody has to keep the tab
she never forgets a cent, and she's already in your whatsapp.
text teresa on whatsappfirst message says hi · the 💸 does the rest