The rapid growth of digital transactions and cashless payment systems has increased the complexity of personal financial management. Individuals often lack effective tools to systematically record expenses, analyze spending behavior, and maintain financial discipline. EXPENZO – The Smart Finance Tracker is a secure, web-based financial management system developed to address these challenges by providing an automated and structured approach to tracking income and expenses. The system allows users to log financial transactions in real time, classify them into predefined categories, and generate analytical summaries that reflect spending trends and saving patterns. Advanced dashboard visualizations and monthly financial reports support data-driven budgeting decisions and promote improved financial awareness. The application integrates essential security mechanisms such as user authentication and controlled data access to ensure the confidentiality and accuracy of sensitive financial information. EXPENZO is implemented using Python with the Flask framework to manage backend operations and application logic. SQLite is employed as a lightweight relational database for efficient data storage and retrieval, while HTML, CSS, and Bootstrap are used to develop a responsive and user-centric interface. The modular architecture of the system ensures scalability, maintainability, and cross-device accessibility. The proposed solution demonstrates the effectiveness of a lightweight web-based platform in simplifying personal finance management. By combining automation, visualization, and secure data handling, EXPENZO enhances users’ ability to monitor financial activities, optimize budgeting strategies, and plan for long-term financial stability. Overall, EXPENZO serves as a practical digital tool for tracking finances, improving saving habits, and developing financial discipline. The application demonstrates how a simple and user-friendly solution can help individuals gain better control over their personal finances and plan more effectively for future financial needs.