Spensy: Private Expense Diary

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About this app

SPENSY — PRIVATE EXPENSE TRACKER & BUDGET PLANNER

Spensy is a free, offline expense tracker, budget planner and money manager
that keeps everything on your phone. No sign-up. No cloud. No ads. No tracking.
No internet required.

We don't know who you are. We don't know what you spent. We don't want to.
Your financial life belongs on your phone and nowhere else.

Just open the app and start logging.

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WHY SPENSY IS DIFFERENT
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- 100% offline expense tracker — your data never leaves your device
- No account, no login, no sync servers
- No ads, no trackers, no telemetry
- Biometric App Lock — fingerprint, face unlock, or screen lock
- Encrypted backup & restore anytime
- A private expense diary for people who refuse cloud finance apps

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ALL YOUR ACCOUNTS, ONE APP
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More than an expense manager — Spensy is a full personal finance tracker:

- Savings & Current accounts
- Credit card tracker — limit, bill due dates, utilization
- Loan & EMI tracker — interest breakdown, repayment progress
- Investment tracker — returns, P&L, goal tracking
- Cash wallets and UPI wallets

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BUDGET PLANNER & SPENDING INSIGHTS
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- Monthly budget planner per category or group
- Real-time over-budget warnings as you log expenses
- Dashboard: Net Worth, Safe Daily Spend, Debt Health, Upcoming Bills
- Category drill-downs with subcategory analysis
- Smart alerts for savings goals, leaks, and overspending

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FAST EXPENSE LOGGING
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- Add an expense in 3 taps
- Recurring transactions (daily, weekly, monthly, yearly)
- Transfer between accounts with validation
- Lend / Borrow tracking with repayment history
- Subcategories (e.g. Food → Lunch → Snacks)
- Smart auto-suggestions and duplicate detection

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BILL REMINDER & EMI ALERTS
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Set bill due dates and EMI dates on your accounts. Spensy sends local bill
reminders so you never miss a payment — no cloud required.

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PRIVACY, SECURITY & BACKUP
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- App Lock — secure Spensy with fingerprint, face unlock, PIN or pattern.
Uses your phone's built-in screen lock. No separate password. Auto-locks
when you switch apps.
- Hide balances toggle for public viewing
- Encrypted backup & restore — your data stays yours
- Per-account and per-period PDF & Excel exports
- Sample data mode for first-time users

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PERFECT FOR
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→ Anyone searching for a private expense tracker or offline budget app
→ Young professionals managing first credit card and savings
→ Users tracking multiple loans, investments and EMIs
→ Privacy-conscious people who refuse cloud-based finance apps
→ Students and beginners starting their first budget
→ People who want a money manager without a subscription

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YOUR DATA, YOUR RULES
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Spensy collects zero personal data. No cloud. No ads. No compromise.
Your expenses are locked behind your fingerprint and never leave your phone.

If you've been searching for a private expense tracker, offline money manager,
or simple budget planner that actually respects your data — welcome home.

Questions or feedback? Email: [e-mail]

What’s new

✨ What's New

Fixes & Improvements
• Fixed transaction notification issues
• Improved dashboard labels for better clarity
• Optimized category suggestions for improved accuracy
• Minor bug fixes and performance improvements