Spendly: Expense Tracker

Spendly is a private expense tracker, budget planner and money manager that works offline. Track daily expenses in cash, UPI or cards, plan a monthly budget, get reminders for bills and EMIs, and split bills with friends — without linking your bank or selling your data.

WHY SPENDLY
• Private by design: no bank linking, no selling data. Analytics and crash reports are opt-in.
• Offline-first: everything is stored on your phone. Start without an account, and sign in later if you want to sync and back up.
• Fast entry: a built-in keypad, any date and time, one-tap favourites, app shortcuts and a home-screen widget.
• Clear, calm design in light and dark mode, with a daily money tip and a short getting-started checklist.

DAILY EXPENSE TRACKER
• Expenses, income and transfers across cash, bank, UPI wallets and cards
• Pick the date and time of every entry, and change it later
• Categories, tags, receipts and notes; search, filters and a calendar view
• Quick-add favourites like "Chai ₹20" — one tap, with Undo

BUDGET PLANNER & GOALS
• A monthly budget with live "remaining" and on-track status
• Savings goals with progress and target dates
• No-spend challenges and logging streaks to build better habits

BILLS, CREDIT CARDS & EMI REMINDERS
• Subscription tracker and recurring bills with reminders, even after a restart
• Credit card bill reminders: statement and due dates, limit used, "pay card bill"
• Loan & EMI tracker: record every EMI and get a reminder the day before. Spendly only tracks loans you already have; it does not offer, arrange or recommend loans.

SPLIT BILLS WITH FRIENDS & ROOMMATES
• Split an expense equally or by amount, see who owes whom, settle up and share a reminder
• Your spending counts only your share

REPORTS & INSIGHTS
• Reports for any month (swipe back through past months): net cash flow, savings rate, six-month trend and spending by category

SECURITY, BACKUP & SYNC
• App lock with PIN, fingerprint or face unlock
• Encrypted backup file protected by a passphrase only you know
• Optional sign-in with Google or email to sync and restore on a new phone. Started as a guest? Connect an account later and your data comes with you.

LANGUAGES & CURRENCY
• English, हिन्दी (Hindi) and ગુજરાતી (Gujarati); choose your currency once

SPENDLY PREMIUM (optional — monthly, yearly or lifetime; new subscribers can start with a free trial where offered)
• No ads
• Multiple budgets, weekly or monthly, with unspent money rolling over
• Receipt scan: read the amount, date and shop from a photo, on your phone
• Auto-categorise: rules and learning that file "Swiggy" under Food for you
• AI monthly summary and "Ask your money" chat (Google Gemini — only totals, category names and your chat question are sent, never merchants, notes or account names)
• Category trends and month-end forecast
• Reports by week, year or any date range, filtered by type, account, category or tag, with comparisons, daily and pace charts, top merchants and CSV/Excel export
• CSV import: bring in statements for several accounts from one file, with categories, tags and tax sections, and check a summary before anything is added
• Net worth: investments, gold, PF and property alongside accounts and loans, with a 12-month trend
• EMI planner and calculator: full schedule, interest paid and prepayment what-ifs
• Tax helper: tag 80C, 80D and other deductions and see your financial-year totals
• Colourful PDF statements with your totals and a category chart, colour themes and app icons

The core tracker, budget, goals, bills, cards, loans, splits and challenges are free.

Questions or ideas? Use Send feedback in the app, or write to rataniapps@gmail.com — we read every message.

Recent changes:
What's new
• Reports: swipe or tap through months; an empty month shows when your latest entry was
• Premium reports: week, year or any date range, filters, daily and pace charts, top merchants
• CSV import reads categories, tags and tax sections, and shows a summary before adding
• A new, colourful PDF statement with the Spendly logo
• The AI summary and "Ask your money" work again
• Faster sync that downloads only what changed