SpendWise – Smart Expense Tracker

Take control of your money with SpendWise, a simple, powerful, and privacy-focused expense tracker designed for everyday financial management.

Track your income and expenses, manage monthly budgets, monitor category spending, create savings goals, track borrowed or lent money, and understand your financial habits through clear reports and charts.

SpendWise works without login or account registration. Your financial records are stored locally on your device, giving you a fast and private way to manage your money.

Worldwide Currency Support

SpendWise is built for users around the world.

On first launch, choose your preferred currency and the app will display amounts using that currency throughout the app. You can also change your preferred currency later from Settings.

Support includes currencies such as:

USD, EUR, GBP, INR, JPY, CAD, AUD, AED, SAR, SGD, CHF and many more.

Key Features

Income & Expense Tracking

Add daily income and expenses
Organize transactions by category
Add notes and transaction dates
Edit, duplicate, or delete transactions
View recent and complete transaction history

Multiple Payment Modes
Track how you paid using:

Cash
UPI
Debit Card
Credit Card
Bank Transfer
Wallet
Other payment methods

Smart Dashboard
Get a clear overview of:

Total income
Total expenses
Current balance
Remaining budget
Recent transactions
Spending trends
Top categories
Payment mode usage

Monthly Budget Management

Set a monthly spending budget
Track used and remaining amounts
View budget progress visually
Receive budget reminders

Category Budgets

Set individual limits for expense categories
Monitor category-wise spending
Receive warnings when spending approaches or exceeds limits

Advanced Reports & Analytics
Understand your money with:

Daily reports
Weekly reports
Monthly reports
Yearly reports
Income vs expense analysis
Category spending reports
Payment mode reports
Highest spending category
Average daily spending
Spending trends
Safe-to-spend insights

Recurring Transactions
Manage repeating financial activity such as:

Rent
Salary
Subscriptions
EMI payments
Utility bills
Insurance
Other recurring income or expenses

Choose daily, weekly, monthly, or yearly recurrence.

Savings Goals
Create and track goals for:

Emergency funds
Travel
New devices
Vehicles
Education
Home purchases
Personal dreams

Add deposits, record withdrawals, and monitor your progress toward each target.

Debt, Borrow & Lend Tracker
Keep track of:

Money you borrowed
Money you lent
Partial repayments
Additional borrowed or lent amounts
Due dates
Settled and active records

Custom Categories
Create your own income and expense categories and choose from a visual collection of icons. No need to know SF Symbol names.

CSV Import & Export

Export transaction data as CSV
Import supported CSV files
Keep financial data portable
Use currency-neutral numeric amounts for easier data handling

Backup & Restore

Create full local backups
Restore your SpendWise data
Protect transactions, categories, budgets, recurring records, savings goals, and debt information

App Lock & Privacy
Protect access to your financial information using:

Passcode
Face ID
Touch ID
Supported biometric authentication

Nearby Useful Places
Find useful services around you, including:

Banks
ATMs
Supermarkets
Grocery stores
Restaurants
Cafes
Fuel stations
Shopping malls
Pharmacies
Hospitals
Hotels
Parking
Public transport
Car services
Insurance offices
Accountants and tax professionals

Nearby Places requires location permission and an internet connection.

Private by Design

SpendWise does not require you to create an account or sign in.

Your financial records are designed to remain locally stored on your device, giving you greater control over your personal money data.

Start building better money habits today with SpendWise.

Track smarter. Spend better. Live better.