Spencer - AI Budget Tracker

ApexByte Studios

In-app purchases

About this app

Most budget apps connect to your bank. Spencer never does.

Spencer is a 100% offline budget tracker, expense manager, and personal AI finance coach for Android. No account. No cloud. No bank connection. Your money data stays on your device, always.

Whether you are logging daily expenses, managing credit card cycles, tracking your investment portfolio, or asking an AI what you can actually afford this month, Spencer does all of it without sending a single byte of your data anywhere.

TRACK EVERYTHING IN UNDER 5 SECONDS

Log income, expenses, investments, and transfers across cash, bank accounts, and credit cards. Spencer calculates your real-time balance per account and shows your complete net worth on the home dashboard the moment you open the app. No sync. No wait.

SPENCER AI: YOUR ON-DEVICE FINANCE COACH

Ask Spencer anything about your money in plain language. Can you afford that purchase? Where is your spending spiking this month? How do you raise your savings rate? Spencer AI answers using your actual transaction data, not generic advice.

Spencer AI runs on your own free Gemini API key. Your financial conversations never leave your device. Not even the developer can read them.

MUTUAL FUND AND STOCK PORTFOLIO TRACKER

Add mutual funds, stocks, and ETFs from markets worldwide. Search by scheme code or ticker symbol, track live prices, your cost basis, current value, and total portfolio gains, all updated directly on your device. No Plaid. No third-party aggregator. All live data pulled straight to you.

SMART MONTHLY BUDGETS

Set spending limits by category and watch color-coded progress bars track your month in real time. Set your budget reset day to match your actual salary date, not a forced calendar month.

REPORTS THAT SHOW YOU THE FULL PICTURE

Six-month income, expense, and investment trend charts. Category-level expense breakdown by amount or percentage. Estimated net worth across all accounts and investments in one view. Spending Intelligence gives you AI-generated insights on where your money is actually going each month.

PRIVACY YOU CAN VERIFY

Spencer has no backend server, no user database, and no analytics SDK. Zero data is collected or shared with third parties, as confirmed in the Data Safety section. The privacy policy is public and written in plain language. You do not have to trust us. You can verify it.

EVERYTHING INCLUDED

- Works fully offline, no internet connection required
- No account creation or login
- Biometric lock via fingerprint or face unlock
- Custom income and expense categories
- Credit card billing cycle and due date tracking
- Recurring monthly expense automation
- Backup and restore via local JSON file
- Clean dark theme, smooth animations, zero ads

SPENCER PRO

Unlock unlimited Spencer AI chat, live portfolio sync, annual financial health audit with a score out of 100, and biometric lock. Plans start at under $2 per month.

Download Spencer and start tracking your money the private way.

What’s new

- Fixed the Google AI Studio setup link in the initial onboarding flow to correctly point to the Gemini API key creation page.
- Fixed a layout bug on the Founding Circle members wall where the title and header were cut off or overlapped by status bars/notches on certain devices.
- General performance and navigation stability improvements.