Question 1

What is the best free expense tracker for Singapore?

Accepted Answer

SG Finance Tracker is a free AI-powered expense tracker built specifically for Singapore. Unlike generic apps, it understands local context — SGD, local payment methods (PayNow, PayLah, NETS, DBS, OCBC, UOB cards), and FIRE calculations based on Singapore CPF. Core tracking is completely free with no credit card required.

Question 2

Is there a budget tracker app that works via Telegram?

Accepted Answer

Yes — SG Finance Tracker is a Telegram bot that doubles as a budget tracker. Set category budgets, get alerts when you're nearing limits, and track all spending from inside Telegram. No separate app needed — it works on any device you already use Telegram on.

Question 3

How do I track expenses in Singapore?

Accepted Answer

The easiest way is to use SG Finance Tracker. Just message the Telegram bot something like "15.50 lunch" and it logs it instantly — no forms to fill in. It auto-categorises your spending, syncs to a Google Sheet, and gives you daily, weekly, and monthly summaries. Takes about 2 minutes to set up.

Question 4

Does it cost anything?

Accepted Answer

Core expense tracking is completely free — no credit card or subscription required. AI features like Ask AI and receipt scanning include generous monthly quotas. Invite friends to earn bonus AI queries!

Question 5

Is my data safe?

Accepted Answer

Your expense data is stored only in your own Google Sheet — we never keep a copy. OAuth tokens are encrypted at rest with AES encryption. We only access the single spreadsheet we create for you.

Question 6

Are there any limits?

Accepted Answer

Core expense tracking is unlimited — log as many expenses as you want. AI features (Ask AI, receipt scanning) have a monthly quota that you can increase by inviting friends. Power users who need more can use /request in the bot to let us know.

Question 7

How does the AI work?

Accepted Answer

The /ask command sends your question along with your financial data to Google's Gemini AI. It can answer questions like "How much did I spend on food this month?" or "Am I over budget?" Your data is only sent when you ask a question — never stored by the AI.

Question 8

Is receipt scanning accurate?

Accepted Answer

Receipt scanning uses Google's Gemini Vision AI to extract the amount, description, and category from photos. It works best with clear, well-lit photos. You always get a chance to review and edit before confirming.

Question 9

How do referral bonuses work?

Accepted Answer

Use /invite in the bot to get your personal referral link. When a friend joins through your link, you earn +10 bonus AI queries per month — up to 50 total. It's the easiest way to unlock more AI power.

Question 10

Can I use this on desktop?

Accepted Answer

Yes — Telegram works on desktop, web, and mobile. Just open Telegram on any device and chat with the bot. Your data syncs everywhere since it's all in one Google Sheet.

Question 11

Can I use this outside Singapore?

Accepted Answer

Yes! The bot works anywhere, but categories, payment methods, and FIRE calculations are optimized for the Singapore context (SGD, CPF, local banks).

Question 12

Can I export my data?

Accepted Answer

Your data lives in a Google Sheet in your own Google Drive — you already have it! Export to CSV, share it, or build your own charts. There's zero vendor lock-in.

Question 13

Will I lose my data if I downgrade?

Accepted Answer

No. Your Google Sheet and all expense history stay forever — even if you downgrade to Free or stop using the bot entirely. Downgrading only limits AI queries and premium features.

Question 14

What happens if I stop using it?

Accepted Answer

Your Google Sheet stays in your Google Drive forever — it's yours. Use /disconnect in the bot to delete your account data from our servers.

Question 15

Why are some commands a bit slow?

Accepted Answer

Your Google Sheet is the single source of truth — we don't store a copy of your expenses. Commands like /daily, /monthly, and /ask need to read from Google Sheets each time, which can take a few seconds depending on how many expenses you have. The trade-off is that your data is always yours and always up to date.

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