Spendlo: Expense & Budget

Spendlo is a fast, private, offline-first expense tracker and budget planner that helps you take full control of your money — no account, no sign-up, no ads, no tracking. Your financial data stays on your device.

Whether you're logging daily spending, planning a monthly budget, or keeping an eye on credit cards and loans, Spendlo keeps it simple, accurate, and completely under your control.

► TRACK EVERY EXPENSE & INCOME
• Log expenses, income, and account transfers in seconds
• Organise spending with categories and subcategories
• Split a single payment across multiple categories
• Add notes, tags, and receipt photos to any transaction
• Save frequent transactions as one-tap templates

► BUDGETS THAT KEEP YOU ON TRACK
• Set monthly budgets per category
• See live progress bars and remaining balances
• Get budget variance insights on your dashboard

► ACCOUNTS, CARDS & LOANS
• Manage cash, bank, wallet, savings, and investment accounts
• Track credit card statements, due dates, and minimum payments
• Follow loan installment schedules and mark payments paid
• Automatic running balances and net worth

► BILLS & RECURRING TRANSACTIONS
• Automate salaries, rent, subscriptions, and bills
• Local reminders before a bill is due — nothing sent to a server

► CLEAR REPORTS & INSIGHTS
• Monthly and yearly dashboards
• Income vs expense and category charts
• Net worth trend, cash flow, and savings rate
• Calendar view of your daily spending

► POWERFUL, PRIVATE & PORTABLE
• 100% offline — works with no internet
• Optional PIN lock to keep your finances private
• Export to JSON and CSV anytime
• Optional backup to your own Google Drive — you stay in control
• Accurate double-entry engine so your books always balance

Spendlo is built for people who want a serious money manager without giving up their privacy. Download it free and start understanding where your money goes today.