Free offline expense tracker, budget planner, insurance reminder, track spending, split trip costs — private, no ads, no account needed.

A money manager that keeps everything on your phone. No sign-up, no subscription, no ads, no data sent to a server. Start tracking in a minute.

WHY USE SPEN?

🛡️ Privacy First
Your financial data never leaves your phone. SPEN is a fully offline expense manager — no account, no servers, no data sharing. Google Play's Data Safety section reads: no data collected, no data shared.

📝 Daily Expense Tracker
Record any transaction in seconds. Food, fuel, rent or salary — every entry captured in a fast, clean spending tracker.

⚡ Home Screen Widget & Shortcuts
Add an expense without opening the app. The widget shows today's spending, + Expense and + Income buttons, and your most-used categories as one-tap tiles. While a trip is running it switches to that trip.

📊 Spend Analytics
Understand your habits, not just your totals. See where your money goes with clear charts and a visual finance tracker.

FEATURES FOR FINANCIAL CONTROL
💰 Smart Budgeting
Set a monthly budget per category and get an alert before you overspend — not a report after the month ends.

📈 Financial Health Score
One clear number for how your money is doing, with a 50/30/20 breakdown across needs, wants and savings.

🔔 Recurring Payments & Bill Reminders
Set up rent, EMIs and subscriptions once. SPEN reminds you before every due date, so no more late fees.

🏥 Insurance Tracker & Premium Reminders
Keep every policy in one place — health insurance, mediclaim, term life, motor, travel and personal accident cover. Store the insurer, policy number, sum insured, premium and who is covered. SPEN reminds you before each premium is due, so a policy never lapses by accident.

🆘 Emergency Card
Claims helpline, TPA name, agent contact and your e-card documents on one screen, available with no signal — usually exactly when you need them.

✈️ Trip & Travel Expense Tracker
Give any trip or holiday its own budget and see what you spent, day by day and category by category. Track a second currency alongside your own, and keep travel spending out of your monthly budget.

👥 Split Trip Expenses With Friends
Travelling as a group? Add everyone on the trip, record who paid for what, and SPEN works out who owes whom — then suggests the fewest payments to settle up. It runs on your phone: no accounts, no invites, no internet, and nobody else needs the app.

🏦 Multiple Accounts & Profiles
Track bank, cash, wallet and credit card together — and keep personal, business and family money separate.

🏷️ Custom Categories
Tag and organise spending your own way, around how you actually live.

📅 Weekly & Monthly Summaries
A quiet reminder of where the month is going — generated on your phone.

🔐 App Lock & Secure Backup
Protect SPEN with a PIN or fingerprint, and back up to your own Google Drive. Restore everything in a few taps on a new phone.

📤 Import & Export
Bring in existing records or export everything to a spreadsheet any time. Your data is never locked in.

WHO SPEN IS FOR

Students tracking pocket money. Professionals managing bills and EMIs. Freelancers separating business from personal. Families running a household budget and everyone's insurance. Travellers who want a trip budget and an easy way to split costs with friends.

Every entry is added by you. SPEN does not read your SMS, connect to your bank or ask for your contacts — which is why it needs no account and works with no signal. Manual entry takes five seconds and catches the cash spending automatic trackers miss completely.

SPEN does not sell, compare, or recommend insurance and has no relationship with any insurer — it is a place to keep your own policy details, and a reminder so you don't miss a renewal.

Works fully offline — on the train, in a basement shop, on a flight. Every feature, every time.