Looking for a private, offline expense tracker that works without bank linking or forced cloud sign-ups?

Spendy is a fast, no-login personal finance manager and daily spending tracker designed to give you complete control over your money. Whether you want to log cash purchases by voice, stick to a monthly budget, track borrowed money (IOUs), or export PDF expense statements, Spendy keeps 100% of your financial data safely on your device.

🎙️ VOICE EXPENSE TRACKER & 1-TAP LOGGING
Stop typing every receipt manually. Use built-in voice dictation to log transactions hands-free, just say "Spent 15 dollars on lunch" or "Received 500 salary," and Spendy automatically detects the amount, category, and transaction type.
• Quick-Add Templates: Save frequent purchases for instant 1-tap entry.
• Home Screen Widgets: Check your remaining daily allowance and log expenses or voice notes straight from your home screen.
• Built-in Custom Keypad: Log cash and card spending in seconds.

📊 SMART MONTHLY BUDGET & SAFE-TO-SPEND CALCULATOR
Avoid end-of-month surprises with proactive budget alerts and a live "Safe to Spend Today" allowance.
• Category Spending Limits: Set daily, weekly, or monthly limits for Groceries, Dining, Shopping, Travel, and custom categories.
• Proactive Spending Insights: Spot spend spikes, weekend spending habits, no-spend day streaks, and month-over-month comparisons automatically.
• Visual Analytics: Explore interactive daily sparklines and category breakdowns to see exactly where your money goes.

🏦 MULTI-ACCOUNT WALLETS, BILLS & SUBSCRIPTIONS
Manage all your finances in one clean dashboard without connecting sensitive bank accounts:
• Accounts & Wallets: Track balances across cash wallets, bank accounts, and credit cards.
• Recurring Transactions & Bill Tracker: Automate repeating rent, salary, and subscription renewals so you never miss a payment.
• Custom Categories: Create and color-code unlimited income and expense categories tailored to your lifestyle.

🤝 DEBT TRACKER & IOU MANAGER
Easily track money you owe or money lent to friends and family.
• Log lent and borrowed balances with due dates and notes.
• Record partial or full repayments and keep a clear history of every IOU settled.

🎯 SAVINGS GOAL PLANNER
Turn financial targets into reality, whether you are building an emergency fund, saving for a vacation, or buying a new gadget.
• Track progress with visual milestone bars and target deadline reminders.
• Add contributions anytime and celebrate when you hit 100%.

🔒 100% OFFLINE, PRIVATE & EXPORT-READY
Your financial life belongs only to you. Spendy stores all records locally on your phone, no servers, no ads, and no account registration required.
• App Lock Security: Protect your financial diary with a PIN or biometric lock.
• PDF, CSV & JSON Backup: Export clean PDF bank-style statements for printing, CSV spreadsheets for Excel/Sheets, or full JSON backups for easy device migration.
• Data Cleanup Tools: Quickly find duplicate entries, merge transactions, or bulk-edit records.
• Multi-Currency & Scheduled Dark Mode: Supports global currencies and customizable light/dark themes.

Download Spendy today and experience the simplest offline expense tracker, voice budget planner, and personal money manager!