ExpenseTracker.io Alternative: WhatsApp-to-Sheets vs a Full Finance Assistant (2026)
ExpenseTracker.io and POQT both let you text an expense to a WhatsApp number. What happens next is different. ExpenseTracker.io writes the expense into a Google Sheet you own. POQT keeps your finances in the conversation itself, with budgets, alerts, reminders and reports.
ExpenseTracker.io details below come from its website in September 2026. Check it for current features and pricing.
What is ExpenseTracker.io?
ExpenseTracker.io is a WhatsApp bot that logs expenses into Google Sheets. You text something like "coffee 6" and it adds a row to your sheet within seconds. Your data stays in your own Google account. Its site lists a free plan limited to 7 expenses a month, a $3/month plan with unlimited expenses, and higher plans for multiple sheets and teams.
Track expenses in seconds on WhatsApp
POQT automatically categorizes everything for you.
What is POQT?
POQT is a finance assistant in WhatsApp. You log by text, voice note or photo, and POQT records the amount, category, date and payment method. It also tracks budgets (with an alert at 80%), income, credit cards, recurring bills, savings goals and reminders, and answers questions like "How much did I spend on food this month?".
The real difference: a spreadsheet vs an assistant
With ExpenseTracker.io, the WhatsApp bot is an input method. Analysis happens in your spreadsheet, with formulas and charts you build yourself.
With POQT, the analysis comes to you. You ask a question and get an answer, budgets warn you before you overspend, and bills remind you before they're due. If you still want a spreadsheet, you can export to Excel, CSV or PDF at any time.
| ExpenseTracker.io | POQT | |
|---|---|---|
| Where data lives | Your Google Sheet | POQT, with export to Excel, CSV or PDF |
| Logging | Text in WhatsApp | Text, voice notes, receipt photos |
| Budgets and alerts | In higher plans | Included, with alerts at 80% |
| Bill reminders, goals, credit cards | Not listed | Included |
| Price | Free (7 expenses/month), then from $3/month | 7-day trial, then $4/month or $29/year |
Choose ExpenseTracker.io if…
- You love spreadsheets and want to build your own reports.
- Keeping data in your own Google account matters more to you than features.
- You log only a few expenses and the free plan is enough.
Choose POQT if…
- You want answers, alerts and reminders without building formulas.
- You log by voice or with receipt photos as often as by text.
- You want budgets, goals and credit card due dates in the same place.
Try POQT
Start the 7-day free trial at poqt.cloud, tap Open WhatsApp on the confirmation page, and send "Hi".
