RSL Expenses is a powerful all-in-one personal finance app — built so you always know exactly where your money is, where it went, and how much you have left.
Bank-level Privacy Mobile Native Feel Multi-User Ready Export to Excel Smart Analytics Live Notifications
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Track every expense instantly·Visual budget breakdowns·Manage loans & IOUs·Smart shopping lists·Multi-account balance tracking·Plan upcoming costs·Export to Excel & CSV·Full cash flow control·Complete spending history·Real-time reply notifications·Strict data privacy per user·Settings, Wizard & Reset·Track every expense instantly·Visual budget breakdowns·Manage loans & IOUs·Smart shopping lists·Multi-account balance tracking·Plan upcoming costs·Export to Excel & CSV·Full cash flow control·Complete spending history·Real-time reply notifications·Strict data privacy per user·Settings, Wizard & Reset·
Why RSL Expenses
The smartest way to track your personal finances
Most people have no real idea where their money goes. RSL Expenses changes that — giving you full visibility, actionable insights, and total control every day.
Complete Visibility
See exactly where every penny goes. Track expenses by item, category, date, and account — giving you a crystal-clear picture of your daily, weekly, and monthly spending.
Stay Within Budget
Set a monthly spending limit, reserve an emergency fund, and track your remaining balance in real time. Get instant feedback the moment you log a cost.
Native App Experience
Swipe gestures, fullscreen mobile sidebar, bottom navigation, and instant page loads. Add RSL Expenses to your home screen — it behaves exactly like a native app.
Multi-User Ready
Every account is completely isolated. Multiple family members can use the same server with their own private expenses, budgets, and shopping lists.
Bank-Level Privacy
Your financial data never leaves your server. Bcrypt password hashing, prepared SQL statements on every query, row-level user isolation, and HTTPOnly session cookies.
Build Better Habits
Regular expense tracking creates financial awareness. Seeing your spending in charts each month naturally leads to smarter decisions — and RSL makes daily tracking effortless.
16+
Modules & Features
100%
Data Privacy
∞
Expense Records
2
Export Formats
Quick Start
Up and running in 5 minutes
Follow these six steps in order and you'll have RSL Expenses fully configured and logging your first expense.
1
Create Your Account
Register with a username, email, and password. Verify your email to unlock all features including password recovery and ticket notifications.
2
Add Your Accounts
Open Account Manager. Add every place you keep money — cash in pocket, bank accounts, mobile wallets, savings. Set the current balance for each.
3
Set Your Budget
Open Budget Manager. Enter your total available money, an amount to reserve (emergency fund), and your target monthly spending limit.
4
Add Item Categories
Go to Item Manager. Add the items you buy regularly — rice, fuel, medicine, electricity bill. Assign categories for meaningful chart breakdowns.
5
Log Your First Expense
Go to Add Cost Record. Select your item, enter the price, pick the account it came from, and hit Save. Watch your balance update instantly.
6
Review and Analyse
Check Cost Summary for spending charts. Visit the main dashboard to see your live balance, budget remaining, and account totals at a glance.
✨ Automatic Setup Wizard for New Users
First-time users are automatically guided through a step-by-step Setup Wizard — walks you through adding your first account, setting a budget, choosing your billing period, and logging your first expense. Takes under 3 minutes. Re-run it anytime from Settings in the sidebar.
All Features
Everything in one app
RSL Expenses covers every dimension of personal finance. Click any feature to expand full step-by-step instructions and a live preview.
Shopping List
Plan, shop, and auto-log expenses in one flow
shopping_list.php
🛒 GROCERY (4)💊 PHARMACY (2)
✓
Rice 5 kg
৳280
✓
Eggs (12 pcs)
৳130
○
Milk 2 L
—
○
Bread
—
✅ 2 items saved · ৳410 deducted from In Pocket
Open Shopping List from the sidebar or the ＋ button on the bottom navigation bar.
Tap + Add Item to add products you need to buy. Items are saved to your personal catalogue for quick reuse each week.
Create Shopping Bags (e.g. 🛒 GROCERY, 💊 PHARMACY, 🔧 HARDWARE) to group items by store or category. Drag the ⠿ handle to reorder bags.
While shopping, tap each item's checkbox as you pick it up and enter the actual price you paid.
Hit Save Selected — checked items are automatically converted into expense records and the total is deducted from your chosen account.
Unchecked items remain on the list for your next shopping trip. Nothing gets lost.
Use the bag system to separate your weekly grocery run from your pharmacy trip. Each bag is saved and reused every week — just update the prices.
Add Cost Record
Quickly log any expense to any account
index.php — Add Cost Record
৳31,500
Balance
৳16,500
Budget Left
৳8,500
Spent
Recent records — March 2026
Rice 5 kg
৳280
Bus fare
৳40
Mobile recharge
৳200
Navigate to Add Cost Record via the sidebar or bottom navigation.
Type into the item search box — existing items appear as autocomplete suggestions. Select one or type a new name to create it on the fly.
Enter the price paid for the item.
Choose the account (cash in pocket, bank, wallet) the money came from. "In Pocket" is selected by default.
The date defaults to today — change it if you're logging a past expense.
Hit Save Record. Your live balance, budget remaining, and account totals update instantly on the same page.
The dashboard on this page shows your real-time balance, budget remaining, cash in/out, and account difference — all in one view.
Item Manager
Build your personal expense catalogue with categories
Open Item Manager from the sidebar.
Click Add Item. Give it a name and assign a category (Food, Transport, Health, Utilities, etc.).
Items appear as autocomplete suggestions in Add Cost Record and Shopping List — saving you time every day.
Use the search box to quickly find items in a large catalogue. Edit or delete any item at any time.
Items with well-defined categories power your Cost Summary charts, giving you meaningful breakdowns instead of a flat list.
Be consistent with category names — use "Food & Groceries" rather than mixing "Food", "Groceries", and "Snacks". Consistent categories make summary charts far more useful.
Manage Costs
Review, edit, filter and bulk-delete expense records
Open Manage Costs to see all your current expense records, grouped and sorted by date.
Use the date range filter to narrow down records to a specific period.
Click the edit pencil icon on any record to correct it — change the item, price, date, or account inline.
Tick the checkboxes on multiple records, then use Bulk Delete to remove them all at once.
Totals and your balance update live as you delete or edit records — no page reload needed.
Do a quick weekly review of Manage Costs to catch typos, missed entries, or duplicate records before they skew your summary charts.
Cash Manager
Log all money flowing in and out — your personal bank statement
cash_manager.php
৳45,000
Cash In
৳5,000
Cash Out
৳40,000
Net Balance
IN
March salary
+৳40,000
OUT
Savings transfer
-৳5,000
IN
Freelance payment
+৳5,000
Open Cash Manager. This tracks the actual flow of money — separate from expenses you spend it on.
Log Cash In entries: salary, freelance income, ATM withdrawals, gifts received, loan repayments coming back to you.
Log Cash Out entries: bank transfers, savings deposits, external payments not logged as expense records.
Each entry has a note field for context and can optionally be linked to a specific account.
The running balance and stat cards update live. Inline-edit any entry and press Enter to save.
Select a Budget from the dropdown to see budget-linked cash balance alongside your entries.
Think of Cash Manager as your personal bank statement. It tracks money itself — Add Cost Record tracks what you spent it on. Both together give you the full picture.
Cash-out entries include overdraft prevention — if you try to withdraw more than your account holds, the transaction is blocked and you'll see a clear error message.
Budget Manager
Set spending limits and track your budget health live
budget.php
৳40,000
Total Money
৳10,000
Reserved
৳21,500
Remaining
Budget used
34%
Reserved
25%
Open Budget Manager.
Enter Total Money — the full amount available to you this period (salary + other income).
Enter Reserved Money — an amount you've mentally set aside and will not spend (emergency fund, upcoming rent, savings target).
Enter Budget — your target spending limit for regular day-to-day expenses.
RSL calculates: Available Balance = Total − Reserved − Spent and Budget Remaining = Budget − Spent. Both figures appear live on every page.
You can save multiple budget snapshots for history. The most recent entry is always the active one.
Update your budget at the start of every month after running the Reset Wizard from Settings. Your budget figures flow into the main dashboard so you always see remaining balance at a glance.
Account Manager
Track live balances across all your bank accounts and wallets
Open Account Manager from the Finance section in the sidebar.
Click Add Account. Name it (e.g. "In Pocket", "Dutch-Bangla Bank", "bKash Wallet") and enter its current real-world balance.
Every time you log an expense or a cash entry linked to an account, the balance adjusts automatically.
The Account Difference figure on the dashboard tells you if your tracked balance matches your calculated balance — a non-zero difference means unlogged entries exist.
Drag accounts with the ⠿ handle to reorder them. The first account becomes the default for new entries.
Edit or delete accounts at any time. Editing only updates the name and current balance — historical entries are always preserved.
Create an account called exactly "In Pocket" — RSL auto-detects this name and pre-selects it as the default account on every new cost record.
Upcoming Costs
Provision for future expenses before they hit
Open Upcoming Costs from the Finance section.
Click Add and enter the expense name, expected amount, and an optional note. Examples: "Electricity bill — ৳1,500", "Car service — ৳4,000", "Insurance renewal — ৳8,000".
The page shows a running total of all upcoming costs so you know exactly how much to set aside.
Filter by name or date to find specific items. Edit or delete entries as plans change.
Add your upcoming costs total to your Reserved Money in Budget Manager — that way RSL never lets you accidentally spend money already mentally committed to upcoming bills.
Loan Manager
Track every penny you lent out and every penny you borrowed
loan_manager.php
৳8,000
Lent Out
৳3,000
Borrowed
৳5,000
Net Owed to You
R
Rahim
Lent out · Open
৳5,000
৳3,000 repaid
K
Karim
Borrowed · Open
৳3,000
৳0 repaid
Open Loan Manager from the Finance section.
For money you lent out, create a loan with direction "Out" — enter the person's name, amount, optional note, and the account it came from. RSL deducts the amount from that account automatically.
For money you borrowed, create a loan with direction "In" — the amount is credited to the linked account.
As money is returned, click the loan and log a partial or full repayment. The outstanding balance updates instantly and the account is credited.
Mark loans as Closed when fully settled. All activity is preserved in a full timeline log for every loan.
The overview shows totals: Outstanding loans out, Outstanding loans in, and your net position.
Link every loan to an account — this keeps your account balance accurate and you never have a mystery discrepancy between what RSL says and what your wallet actually holds.
Cost Summary
Three views: all records, day-wise totals, and item-wise breakdowns
records_summary.php
Food & Groceries
৳4,800
Transport
৳1,200
Utilities
৳2,200
Health
৳800
Open Cost Summary from the Summary & Archive section.
Table 1 — All Records: Every expense entry grouped by month, with subtotals and a grand total.
Table 2 — Day-Wise: Total spending per day, grouped by month. Great for spotting high-spend days.
Table 3 — Item-Wise: Total spent per item per month, sorted by highest spend. Shows which items cost you the most.
All three tables update the moment you add or delete a cost — always live.
Review Cost Summary monthly to identify where to cut spending. Most people discover one or two categories account for over 60% of their expenses.
All Time Records
Your complete lifetime expense history — every archived period
Open All Time Records from the Summary & Archive section.
Browse your complete expense history across all archived periods — going back as far as you've been using the app.
Filter by date, item name, or category to find any specific entry instantly.
See period subtotals and an overall grand total across all time.
Export individual archived periods as spreadsheets directly from this page.
All Time Records builds up automatically every time you run the Month-End Reset Wizard from Settings. You never lose historical data — it is preserved and searchable forever.
Cash Archive
Complete historical cash flow across all archived periods
Open Cash Archive from the Summary & Archive section.
View all archived cash in/out entries from every past billing period.
Each period shows total in, total out, and net flow for that period.
Use date filters to narrow down to specific months or date ranges.
Like All Time Records, Cash Archive is populated automatically by the Month-End Reset Wizard in Settings — building a permanent record of every financial period.
Export Data
Download records as Excel (.xls) or CSV for any spreadsheet app
Open Export Current Data for this month's records, or Export All Time for your complete history.
Optionally set a custom date range — defaults to the current billing period.
Click Preview to see exactly which records will be included before you download.
Choose Excel (.xls) or CSV (.csv) format and download instantly.
Open in Excel, Google Sheets, LibreOffice, or any spreadsheet app. Columns include ID, Item, Category, Date, and Price.
Export monthly to keep offline backups, share with a family member, or hand to an accountant. The CSV format works with every financial software tool.
My Profile
Photo, personal info, password, and account deletion
Click your avatar photo in the sidebar, or navigate to My Profile from the Account section.
Photo tab: Upload a profile photo. Drag an image onto the circular crop zone, adjust the crop, and click Save. Images are auto-compressed to ≤ 200 KB and resized to 400×400 px.
Personal Info tab: Update your full name and email address. A confirmed email is required for password resets and ticket notifications.
Password tab: Change your login password. You must enter your current password first for security.
Delete Account tab: Permanently delete your account using a 2-step OTP verification sent to your registered email. Admin accounts are protected from deletion.
Account deletion is permanent and irreversible. All your data — records, accounts, budgets, loans, shopping lists — is erased immediately and cannot be recovered.
Contact & Support
Submit tickets, attach files, track replies with live notifications
Open Contact & Support from the Account section in the sidebar.
New Ticket tab: Enter a subject, set the priority (Low / Normal / High / Urgent), select a category, and describe your issue in detail.
Optionally attach files — drag and drop or browse. Supports images, PDF, Word, Excel, CSV, ZIP. Up to 10 MB per file, up to 5 files per message.
Submit and receive a unique ticket reference number by email (e.g. TKT-20260307-XXXX).
My Tickets tab: See all your tickets with their status (Open / In Progress / Resolved / Closed), priority badge, and last-updated timestamp.
When support replies, a red notification badge appears over your profile photo in the sidebar. It shows the count of unread replies.
Click any ticket to open the full conversation thread. Reading it clears the badge automatically. You can reply and attach more files from within the thread.
Use the FAQ tab inside Contact & Support for instant answers to common questions — no ticket needed.
The notification badge polls for new replies every 60 seconds in the background — you never need to refresh to see when support has responded.
Settings
Setup Wizard, Month-End Reset, Tracking Period & preferences — all in one place
Open Settings from the sidebar. This is the control centre for all billing and app configuration.
Setup & Wizards panel — Setup Wizard: Re-run the guided setup at any time to reconfigure your accounts, opening balances, budget, safety stock, and tracking period. Your existing data is never deleted during re-run.
Setup & Wizards panel — Month-End Reset: Archive this month's records and cash entries, update your budget and accounts, then configure the new tracking period. Always review the summary in Step 1 before confirming.
Tracking Period panel: Set the start date, end date, and label for your current billing month. This period controls filtering across Cash Manager, Cost Summary, Export, and every other page that displays date-ranged data.
Display Preferences: Personalise app behaviour including currency symbol, date format, and default views.
Help & User Guide: Quick links to guide sections so you can jump directly to instructions for any feature.
Account Information & Danger Zone: See your account details and access the Month-End Reset shortcut again from the bottom of the page.
Always run the Month-End Reset Wizard from Settings before the new billing period starts — it archives your data, clears the current period, and gives you a clean slate for the new month.
The Month-End Reset archives your active data permanently. Make sure all entries are accurate before running it — always review Step 1 carefully before confirming.
Try It Live
See how RSL calculates your money
These interactive tools demonstrate exactly how RSL Expenses works under the hood — try your own real numbers.
💰 Budget Health Calculator
Enter your real numbers to see how RSL Expenses calculates your available balance and budget health.
Total Money (৳)
Reserved Amount (৳)
Budget Limit (৳)
Total Spent So Far (৳)
📊 Spending Breakdown Visualiser
This is how your category breakdown looks inside RSL Expenses Cost Summary — animated bars, totals, and percentages.
Frequently Asked Questions
Got questions? We have answers.
Absolutely. RSL Expenses is designed mobile-first — it has swipe-to-open gestures, a fullscreen sidebar, a sticky bottom navigation bar with quick-add buttons, and a web app manifest. Add it to your iOS or Android home screen and it opens full-screen, just like a native app, with no App Store download required.
Yes — completely. Every single database query is scoped to your user_id. Even if two users share the same server, it is architecturally impossible for one to see the other's records, accounts, budgets, or loans. Passwords are hashed with bcrypt at cost 12. Sessions use HTTPOnly, SameSite=Lax cookies. All SQL queries use prepared statements to prevent injection attacks.
Nothing is deleted. The Reset Wizard (found in Settings) archives your current records into All Time Records and your cash entries into Cash Archive. A fresh billing period then begins. Every historical entry is preserved, searchable, and exportable forever. The wizard always asks you to review and confirm before making any changes.
Both have moved to Settings — accessible from the sidebar. The Setup Wizard lets you re-run the initial configuration of your accounts, opening balances, budget, safety stock, and tracking period at any time (your existing data is never deleted during a re-run). The Month-End Reset archives your active records and starts a fresh period.
Yes. RSL Expenses fully supports multiple users. Each person registers their own account and all data is completely isolated — separate budgets, accounts, expense records, shopping lists, and loans. An administrator can create and manage user accounts from the User Manager in the admin section of the sidebar.
Click Forgot Password on the login page and enter your registered email address. A secure, time-limited reset link (expires in 1 hour) is sent to your email. Follow the link to set a new password. Make sure your email address is kept up to date in My Profile.
Total Money is everything available to you this period — salary plus any other income. Reserved Money is a portion you set aside and will not touch — emergency fund, upcoming rent, savings goal. Budget is your spending target for regular day-to-day expenses. RSL calculates: Available Balance = Total − Reserved − Spent and Budget Remaining = Budget − Spent, both visible live on every page.
The Tracking Period is the date range (start date, end date, and label) for your current billing month. It controls filtering in Cash Manager, Cost Summary, Export, and everywhere data is shown by date. Set it in Settings → Tracking Period. During the Month-End Reset Wizard it is also automatically updated to the new period.
Yes. When submitting a new ticket or replying to an existing thread, you can attach images (JPEG, PNG, GIF, WebP), PDF documents, Word files (.doc, .docx), Excel files (.xls, .xlsx), CSV files, and ZIP archives. Maximum 10 MB per file, up to 5 files per message. Images display as inline thumbnails; documents download with one click.
When the support team replies to one of your tickets, a red notification badge appears over your profile photo showing the count of unread staff replies. The badge updates automatically every 60 seconds without any page refresh. It clears as soon as you open and read the relevant ticket thread.
RSL exports as Excel (.xls) and CSV (.csv). Both include columns for Record ID, Item Name, Category, Date, and Price. You can export the current billing period, a custom date range, or your complete all-time history. Files open in Microsoft Excel, Google Sheets, LibreOffice Calc, Numbers, and any other spreadsheet application.
When you create an outgoing loan linked to an account, the loan amount is automatically deducted from that account's balance. When a repayment is received and linked to an account, the account balance is credited accordingly. This keeps your account balances accurate without needing to manually log separate cash entries for loans.
Take control of your finances today
Stop guessing where your money goes. Join RSL Expenses and get complete clarity in under 5 minutes.