Spencer is a 100% offline expense tracker, budget manager, and personal finance app for Android. No account. No cloud. No bank connection. Your money data stays on your device, always.

Whether you're logging daily UPI spends, splitting a shared bill across categories, managing credit card billing cycles, or tracking your mutual fund and SIP portfolio — 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.

SPLIT TRANSACTIONS ACROSS CATEGORIES

Bought groceries and household essentials in one trip? Split a single transaction across multiple categories with exact amounts and notes, in seconds — no need to log separate entries.

MUTUAL FUND, STOCK & SIP TRACKER

Add mutual funds, stocks, and ETFs from markets worldwide. Search by scheme code or ticker symbol, track live daily NAVs, automatic SIP unit accumulation, 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.

CREDIT CARD & EMI DUE CALENDAR

Track credit card statement cycles, unbilled vs. settled spends, EMIs, utility bills, and subscription due dates — with timely reminders so you never miss a payment.

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 — so you always know 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 and budgets are kept 100% local. We offer a completely optional, opt-in-only telemetry setting 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
Split transactions across multiple 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 live portfolio sync, an 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.