The 8–12 category sweet spot that keeps reports readable. Here's the practical version — how it works, why it matters, and how to set it up in minutes.
The core idea
Good money tools remove friction and keep you honest. How to Categorise Expenses (Without 40 Categories) comes down to exactly that: making the right action (logging, reviewing, capping) the easy action. Everything in this guide works on-device — no account, no bank credentials, no data leaving your phone.
Set it up in 5 minutes
Open your tracker, and: 1) create the categories or budgets this touches, 2) do the action once end-to-end so you trust it, 3) attach it to an existing habit (morning chai, commute, Sunday review). Friction kills habits; defaults save them.
Fully offline, by design
Expense Tracker: Income Manager does all of this on-device: budgets with 80%/100% alerts, recurring bills, split groups, trip FX, a 30-day forecast and a financial health score — with biometric lock and zero ads. Your data stays yours.
Expense Tracker: Income Manager keeps budgets, EMIs, SIP goals and daily spending on your phone. No account, no ads, no cloud.
