Spendo: Expense & GST Tracker

Spend smart. Save more.

Spendo is the fastest way to track money in India, and the most private. Your expenses, statements and receipts stay on your phone. No account, no sign-up, no ads.

SCAN A BILL AND IT IS DONE
Point the camera at a bill, receipt or UPI screenshot. Spendo reads the amount, merchant, date and GST on the device itself and fills the entry in. The photo never leaves your phone.

TAP THE BACK OF YOUR PHONE 3 TIMES
Add the Spendo shortcut in one tap, then log a spend from any screen with iPhone Back Tap or "Hey Siri". Enter the amount, pick a category, add a note if you like, and the spend is saved.

IMPORT A WHOLE YEAR OF BANK STATEMENTS
Open a PDF or CSV from your bank, password protected or not, or paste a PhonePe, GPay or Paytm passbook. Spendo reads every row on the device, works each amount out from the running balance, skips duplicates, and shows you the totals it found so you can check them against the bank's own summary.

TYPE IT LIKE YOU SAY IT
"500 chai" or "Salary 85,000" becomes a full entry with the category worked out for you. Maths works too, so 120+80 is fine.

GST, TAX AND YOUR CA
Tag business entries with a GST rate for live GSTR-1 and 3B summaries, or CMP-08 if you are on the composition scheme. Track input credit and filing dates, make GST invoices and rent receipts for HRA, and export the year as a CSV your accountant can open.

INSIGHTS THAT ACTUALLY HELP
Month end forecasts, category breakdowns, top merchants, savings rate, and a nudge when a budget is about to blow.

BUDGETS, GOALS AND SPLITS
Category budgets, savings goals, logging streaks, and splitting bills with friends after trips and dinners. Collect what you're owed with a UPI QR your friend scans in any UPI app, or send a polite WhatsApp reminder.

YOUR MONEY DATA STAYS YOURS
- Every entry is stored on this device and nowhere else
- Face ID or fingerprint lock, plus a blur in the app switcher
- One tap backup you keep, and restore straight from that file
- Spendo runs no servers and has no accounts, so your money data is never uploaded
- Bill scanning uses Google's ML Kit on the device. Your photo and its text are never sent to Google; the library does report anonymous performance metrics about itself, and nothing about your money

FREE, WITH NOTHING LOCKED
Everything above is free, and right now so is all of Spendo Premium: every insight, 12 month trends, the full year statement report and the PDF reports.

Download Spendo and know exactly where your money goes.