Spence: Home Budget & Assets

Track income, expenses, cards, loans, currencies and gold in one place. Everything stays on your device — no account, no server, no ads. Locked with PIN and Face ID.

Spence (formerly Ev Takip) is a privacy-first family budgeting and personal finance app that brings your entire financial life into one place.

Your data stays only on your device. No account is required, we run no servers, we collect no data, and there are no ads. The app also works offline.

SECURITY & PRIVACY • All records are stored inside your device (on-device database). • App lock with a PIN code and Face ID / Touch ID. • No sign-up, no email, no login screen; on first launch you simply set your own PIN. • No ads, no tracking, no data selling.

OPTIONAL iCLOUD SYNC (PRO) • If you wish, sync across your iPhone, iPad and Mac through your own iCloud account. • Data stays in Apple's iCloud under your account; it never touches our servers — we have none.

EVERY PART OF YOUR MONEY, IN ONE PLACE • Transactions: Income and expenses, installments, categories, filtering, bulk actions. • Accounts & cash: Bank account and cash balances. • Cards: Credit cards, debit cards and meal cards; limits, statements and periods. • Loans: Bank loans and interest-free financing with installment plans. • Debts & receivables: Per-person, with multi-currency support. • Currency & gold: Asset valuation with live rates and FX gain tracking. • Budget: Monthly category budgets and spending tracking. • Savings goals: Target amounts and progress. • Financial independence (FIRE): Projection based on your savings and spending. • Recurring income/expenses & subscriptions: Repeating payments with reminders. • Reports: Period-based and per-person PDF reports, CSV export. • Vehicles: Fuel, taxes, insurance, inspection and periodic maintenance. • Real estate: Rental income, index-based rent increases, property tax and expenses. • Family members & allowance tracking. • Expense books: Split shared expenses per person. • Shopping lists: Aisle-based lists with totals. • Donations & zakat: Zakat base with live rates, plus nisab and hawl tracking. • Reminders: Payment and important-date notifications. • Categories, theme, backup: Custom categories, light/dark theme, backup & restore.

WHO IS IT FOR? Anyone who wants to organize a monthly budget, see all card and loan installments in one place, track currency and gold holdings, and keep their data private.

FREE + PRO Core budgeting is free: income & expenses, accounts, zakat tracking, shopping lists, reminders, PIN + Face ID, themes. Spence Pro unlocks: unlimited accounts/cards/loans/goals, PDF & CSV reports, real-estate & rent tracking, vehicle costs & maintenance, financial-freedom (FIRE) projection, multi-device iCloud sync. Plans: Monthly, Yearly (7-day free trial) or a one-time Lifetime purchase. Local pricing is shown in the App Store. Subscriptions renew automatically via your Apple ID unless cancelled at least 24 hours before the period ends; manage in Settings → Apple ID → Subscriptions. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy: https://miorhan44.github.io/evtakip/gizlilik.html

Contact & support: evtakipapp@gmail.com