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 financial or personal 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 user database and uses zero third-party tracking SDKs. Your transactions, budgets, and AI chats are kept 100% local. We offer a completely optional, opt-in only telemetry option to help us find bugs and count active users. You can audit the exact log packets sent to us at any time in Settings. Zero personal data is ever collected or shared.

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.