Tired of expense trackers that require your bank login, clutter your screen with ads, or put daily limits on bill splitting?

SpndX is a private, offline expense tracker, monthly budget planner, and group bill splitter. Manage daily spending, track cash and UPI payments, set category budgets, and split shared expenses with friends and roommates—with a clean, privacy-first design and zero bank logins required.

Whether you need a free Splitwise alternative with no daily caps, an offline cash log, a roommate bill splitter, or a multi-currency travel budget manager, SpndX gives you complete control over your money.

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✨ WHY CHOOSE SPNDX?
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✔ Daily Expense Tracker & Money Manager
Log personal expenses in under 3 seconds. Track amount, category, payment method (Cash, UPI, Card), date, and notes. Smart category suggestions speed up daily logging.

✔ Free Splitwise Alternative (No Daily Limits)
Split shared expenses without limits or cooldown timers. Create shared spaces for roommates, trips, dinners, and events. Split bills equally, by exact amount, percentages, or custom shares.

✔ Smart Debt Simplification (Settle Up Easily)
Stop messy cross-transfers. SpndX automatically calculates the minimum number of payments so your group settles debts cleanly.

✔ 100% Offline-First & Privacy-Focused
Your data stays securely on your phone in a local SQLite database. No SMS reading permissions, no bank scraping, and no third-party tracking. SpndX works in airplane mode and on remote trips.

✔ Monthly Budget Planner & Financial Insights
Set monthly category spending budgets. Monitor remaining balances in real time, view spending heatmaps, review trends, and build your Financial Health Score.

✔ UPI QR Scanner & Fast Payment Handoff
Scan merchant UPI QR codes (Google Pay, PhonePe, Paytm, BHIM) to log expenses instantly. Keep spending organized without invasive SMS parsing.

✔ Multi-Currency Travel Expense Tracker (150+ Currencies)
Traveling abroad? Log vacation costs in 150+ foreign currencies. View automatic conversions and settle group trip balances in your home currency.

✔ 1-Click Splitwise CSV Import
Switching from another split app? Export your existing group data to CSV and import it into SpndX. Members, expenses, and history transfer seamlessly.

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📌 BUILT FOR EVERY SPENDING NEED
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• Roommates & Flatmates: Split rent, groceries, electricity, and WiFi bills fairly without spreadsheets or awkward reminders.
• Trips & Travel: Track vacation budgets with friends across multiple countries and currencies.
• Couples: Track shared household spending transparently while keeping personal expenses private.
• Students & Freelancers: Track daily kharcha, curb impulse spending, and build saving habits without paid subscriptions.

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🌟 KEY HIGHLIGHTS
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• Fast 2-tap expense logging with quick-action shortcuts
• Category-level spending limits & visual progress bars
• Spending analytics, heatmaps, and monthly breakdown
• Shared Spaces with instant QR code invite
• Record cash settlements and mark balances as paid
• Local database backup & optional encrypted sync
• Clean, minimalist dark and light mode UI
• Free forever with zero forced subscriptions on core features

Take back control of your personal finances, stick to your budget, and split group expenses effortlessly.

Download SpndX today—the smart, private expense tracker and bill splitter!