Money SpendOptic:Expense Track

Ankush Shewale

Contains adsIn-app purchases

About this app

Money SpendOptic is a calm, private expense tracker and money manager. Record income and spending, plan budgets, track bills, loans and credit cards, and see your month at a glance. Your data stays on your phone.

EXPENSE TRACKER AND BUDGET PLANNER
• Add income, expense and transfer entries in seconds, with a built-in calculator
• Categories and subcategories, tags, notes, photos and attachments
• Budgets per category, with over and under bars, and a month that starts on your salary day
• Daily, Calendar, Monthly and Notes views, plus Insights charts by category
• Search, filters and bulk edit to find and fix entries fast

BILL REMINDERS, EMI AND LOAN TRACKER
• Repeating bills, subscriptions and salary that add themselves on schedule
• Installments: split a big buy into parts and see how many are paid
• Loans: EMI amount, interest rate and progress for each loan
• Upcoming entries show what is due next, and a red chip warns when a balance is short
• Reminders for card bills, budgets and repeats

CARDS, BANKS AND WALLETS
• Keep cash, bank accounts, cards, wallets and loans in groups
• Credit cards: limit, billed and unpaid amounts, statement and due dates, annual fee waiver tracker
• Adjust balance to match your bank, and treat a transfer as spending when you want

AUTOMATED BANK SMS EXPENSE TRACKING
• Adds your bank, card and wallet spending for you. It starts only after you agree on an explanation screen, and cash or other spending can still be added by hand. Android asks for SMS permission only after you tap Agree
• Reads only transaction alerts from banks, cards and wallets (and senders you approve); messages from people and OTPs are skipped
• The message text is thrown away after reading; only the amount, date, payee, account digits and category are kept
• Choose how far back to read, and whether entries are added by themselves or wait in To review
• The app never sends SMS and never shares your messages. Turn it off, or delete its records, any time

BACKUP, EXCEL AND COMPUTER
• Back up to a file or your own Google Drive, and restore on a new phone in a few steps
• Import and export Excel or CSV, with a check before anything is added; PDF export (Premium)
• Use it on a computer: open the computer page in a browser on the same Wi-Fi to view and add entries on a bigger screen

PRIVATE BY DESIGN
• No sign-up. Your accounts and entries are not sent to our servers, and SMS text is never stored or shared
• Your accounts, entries and notes stay 100% on your phone. Only ad and usage data goes to Google (AdMob and Firebase Analytics), never your transactions, amounts or notes
• Optional app lock with your fingerprint or screen lock

YOUR LOOK AND LANGUAGE
• English, Hindi and Marathi
• System, Dark and Light styles, plus Blue, Green and Purple colour styles (Premium)

FREE AND PREMIUM
Free to use with ads. Premium removes ads and adds unlimited accounts and budgets, tags, Add several, Drive backup, the computer page, and more colour styles. Try Premium free for 30 days; see the app for current prices.

More screenshots: https://www.moneyspendoptic.com
Privacy policy: https://www.moneyspendoptic.com/privacy.html

What’s new

- Cards: statement day history. Add an earlier statement day and older statements, bills, due dates and reminders use the day that was in force then
- Export: pick several accounts; PDF and Excel share one Include list
- SMS: amounts are hidden in Show message and lock-screen notifications only when App lock is on