10+
Downloads
Content rating
PEGI 3
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About this app

Spendo helps you take control of your money — effortlessly.
Whether you’re managing daily expenses, tracking EMIs, or planning your debt-free journey, Spendo gives you clarity, motivation, and tools that actually make sense.

Key Features

- Offline-first, Privacy-first:
All your data stays securely on your device. No account required. No cloud dependency.

- Smart Analytics:
Get visual insights into your spending, progress, and debt payoff trends — so you see where your money really goes.

- DebtEase Engine:
Track EMIs, get projected pay-off dates, and simulate interest savings. The advanced summary shows total interest paid, outstanding balance, and real progress.

- Roll-Up Payoff (Snowball / Avalanche):
Celebrate every cleared debt! When one debt ends, Spendo automatically suggests rolling that payment into the next — helping you clear everything faster.

- Smart Calculators:
Includes a built-in loan & EMI calculator with advanced mode, projections, and charts to plan your next financial move confidently.

- Gentle Local Reminders:
Never miss an EMI or forget to log expenses. Smart local notifications remind you only when you need them — no spam, no noise.

- Motivation & Milestones:
Stay on track with small wins. See your “Date of Freedom”, interest saved, and milestone achievements as you progress toward being debt-free.

- Multiple Currencies:
Choose your preferred currency once — all calculations and summaries adapt instantly.

- Clean, Minimal, Powerful:
No clutter. No ads. Just you, your money, and total control.

- Why Users Love Spendo

“Finally, an expense app that works offline!”

“The debt summary visuals make paying EMIs feel rewarding.”

“Simple, private, and motivating — perfect for daily use.”

- Your Data, Your Control

Spendo stores everything locally. You decide what to back up or clear. Privacy isn’t a feature — it’s the foundation.

- Get Started Today

Take the first step to financial clarity and debt freedom.
Download Spendo — your smarter, calmer money companion.
Updated on
Nov 19, 2025

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
No data shared with third parties
Learn more about how developers declare sharing
No data collected
Learn more about how developers declare collection

What’s new

Bug fixes and performance enhancements.