OwlSpend — Expense Tracker

OwlSpend is a fast, private expense tracker that works fully offline. No account, no tracking — your financial data stays on your device, in files you control.

🦉 TRACK EVERYTHING, EFFORTLESSLY
• Add expenses and income in seconds — with a calculator built into the amount field
• Organize with categories (pick your own icons and colors) and multiple accounts
• Budgets with alerts before you overspend
• Recurring transactions for rent, subscriptions and salaries
• Search and filter your full transaction history
• Charts and reports to spot spending patterns
• Home-screen widget with today's spending at a glance

🤝 LEND & BORROW
• Track money you've lent and borrowed, person by person
• See who owes you (and whom you owe) at a glance
• Record payments until you settle up

🔒 YOUR DATA IS YOURS — REALLY
• Works fully offline — no sign-up, no account
• No analytics, no trackers
• Optional app lock with fingerprint / face unlock
• Privacy mode: hide amounts from prying eyes
• Cloud is strictly opt-in: the optional Premium backup goes to your own Google Drive, never to our servers — we don't have any

💾 FREE BACKUPS, YOUR WAY
• Back up to any folder you choose — phone storage, SD card, or your own cloud folder (Google Drive, OneDrive and more)
• Scheduled automatic backups, with an alert if they ever stop working
• Restore with a preview of what's inside before you commit
• CSV export / import for spreadsheets and easy portability

🌍 WORKS EVERYWHERE
• 155+ currencies with locale-aware formatting
• Optional daily reminder, budget alerts and monthly summary notifications

⭐ GO PREMIUM (one-time purchase, no subscription)
• Automatic cloud backup to your own Google Drive
• Attach receipt photos to transactions
• PDF statements and all-time reports
• Unlimited history view, extra budgets and recurring rules
• 6 beautiful extra themes, including AMOLED dark

⚡ MADE FOR SPEED
• Tiny download, instant startup
• Clean, modern design with light and dark themes
• Works on any Android 8.0+ phone

WHY OWLSPEND?
Most finance apps want your data on their servers. OwlSpend is built the opposite way: everything stays on your device, in files you control. Back up to your own folder or your own Drive, export CSV any time, and switch phones without asking anyone's permission. Wise with your money — like an owl.

Questions or feedback? support@owlspend.com