Spend Wisely - Expense Manager

Forem Software

About this app

Take control of your money in under 30 seconds a day. Spend Wisely is the all-in-one expense tracker, budget planner, and personal finance manager that helps you see where every dollar goes — so you can spend less, save more, and stress never.

Whether you're paying off debt, saving for a dream vacation, or simply want to stop wondering where your paycheck went, Spend Wisely gives you the tools to make it happen — completely offline, with no accounts or sign-ups required.

EFFORTLESS EXPENSE TRACKING
Log income and expenses in seconds. Attach receipts with your camera, use
voice input to record on the go, or tap a Quick Add Template for your everyday
purchases like coffee or groceries. Organize everything with custom
categories, tags, and notes.

SMART BUDGETING THAT ACTUALLY WORKS
Set monthly budgets for each category and watch your progress in real time.
Choose from proven budgeting methods — the 50/30/20 Rule, Dave Ramsey,
Envelope Budgeting, or Minimalist — or create your own. Get alerts before you
overspend, not after.

DAILY ALLOWANCE & SPENDING STREAKS
Know exactly how much you can spend today. Build streaks for staying under
budget and take on monthly challenges like No-Spend Days and Beat Last Month
to turn saving into a habit.

POWERFUL DEBT PAYOFF PLANNER
Track debts and credits with interest rates, minimum payments, and projected
payoff dates. Compare Snowball vs. Avalanche strategies side by side and see
how extra payments accelerate your freedom.

SAVINGS GOALS & WISHLIST
Set savings targets with deadlines, track contributions, and watch your
progress bar fill up. Maintain a prioritized wishlist so you always know what
you're saving for next.

BILLS & SUBSCRIPTIONS MANAGER
Never miss a payment. Track recurring bills and subscriptions in one dashboard
with upcoming due dates and total monthly cost at a glance.

REPORTS & INSIGHTS THAT MATTER
Understand your money with beautiful charts: spending by category, monthly
trends, cash flow forecasts, net worth tracking, calendar heatmaps, and
tag-based breakdowns. Get AI-powered insights that spotlight unusual spending
patterns.

MULTIPLE ACCOUNTS & CURRENCIES
Manage cash, bank accounts, wallets, and credit cards in one place. Transfer
between accounts and track spending across multiple currencies with custom
exchange rates.

YOUR DATA, YOUR PRIVACY
All data is stored locally on your device — nothing is uploaded to any server.
Lock the app with Face ID, Touch ID, or a PIN. Back up and restore anytime
with JSON export, or export to CSV and PDF for your records.

CLEAN & CUSTOMIZABLE
Choose Light, Dark, or System theme. Pick your accent color or let the app
match your device. Material Design 3 with smooth animations throughout.

WHY USERS LOVE SPEND WISELY

- 100% offline — works without internet
- No subscriptions, no ads, no hidden fees
- Quick Add Templates for one-tap logging
- Receipt scanning with OCR
- Voice input for hands-free tracking
- Recurring transactions auto-generated
- Budget templates for beginners
- Net worth tracking over time
- CSV, PDF, and JSON export
- Home screen widget for at-a-glance spending

Download Spend Wisely today and start making every dollar count.

What’s new

- Improved app stability
- Debt tracking — keep track of what you owe and what others owe you
- Enhanced budget overview with detailed summaries
- Multi-account support to organize finances across wallets, banks, and cards