Expensebit Alternative: POQT vs Expensebit on WhatsApp (2026)
Expensebit and POQT both turn WhatsApp into a place to track money: no app to install, no forms, just messages. The biggest difference is who they're built for. Expensebit is made for India; POQT is made for anyone, in any currency.
Expensebit details below come from its website in September 2026. Check it for current features and pricing.
What is Expensebit?
Expensebit is an AI finance assistant that works only through WhatsApp and says it is "built for India". According to its site, you can log expenses by text, by voice in English or Hinglish, or by sending a receipt or UPI screenshot. It splits bills with friends and tracks who still owes you, and it has budgets, smart reminders and a web dashboard. It describes itself as free during beta.
Track expenses in seconds on WhatsApp
POQT automatically categorizes everything for you.
What is POQT?
POQT is a WhatsApp finance assistant that works in any country, currency and language. You log by text, voice note or photo, set budgets with alerts, and track income, credit cards, recurring bills, savings goals and reminders in the same chat.
Side by side
| Expensebit | POQT | |
|---|---|---|
| Built for | India (UPI, INR) | Any country and currency |
| Languages | English and Hinglish | Replies in the language you write in |
| Logging | Text, voice, receipt and UPI screenshots | Text, voice, receipt and payment photos |
| Bill splitting | Yes, tracks who owes you | No; family groups show each person's totals |
| Credit cards | Not listed | Cards with closing and due dates |
| Goals and score | Budgets and insights | Savings goals, 0–100 Financial Health Score |
| Price | Free during beta | 7-day trial, then $4/month or $29/year |
Choose Expensebit if…
- You live in India and pay mostly with UPI.
- Splitting bills with friends is a big part of how you spend.
- You want a free tool while it's in beta.
Choose POQT if…
- You live outside India, travel, or earn in another currency.
- You want budgets, bill reminders, credit card due dates and savings goals in one conversation.
- You want a paid product with a stable plan behind it.
How logging looks in POQT
"Uber $53.90, lunch $32.00, coffee $8.00" "Set a $1,200 budget for food" "How much can I still spend this month?"
POQT records each expense, warns you when a budget reaches 80%, and answers questions about your spending in plain language.
Try POQT
Start the 7-day free trial at poqt.cloud, tap Open WhatsApp on the confirmation page, and send "Hi".
