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Track smarter with SpendWise. Manage daily income and expenses, budgets, savings goals, recurring transactions, debts, reports, worldwide currencies and privacy tool.

SpendWise – Smart Expense Tracker

Take control of your money with SpendWise, a simple, powerful, and privacy-focused expense tracker designed for everyday financial management.

Track your income and expenses, manage monthly budgets, monitor category spending, create savings goals, track borrowed or lent money, and understand your financial habits through clear reports and charts.

SpendWise works without login or account registration. Your financial records are stored locally on your device, giving you a fast and private way to manage your money.

Worldwide Currency Support

SpendWise is built for users around the world.

On first launch, choose your preferred currency and the app will display amounts using that currency throughout the app. You can also change your preferred currency later from Settings.

Support includes currencies such as:

USD, EUR, GBP, INR, JPY, CAD, AUD, AED, SAR, SGD, CHF and many more.

Key Features

Income & Expense Tracking

Add daily income and expenses Organize transactions by category Add notes and transaction dates Edit, duplicate, or delete transactions View recent and complete transaction history

Multiple Payment Modes Track how you paid using:

Cash UPI Debit Card Credit Card Bank Transfer Wallet Other payment methods

Smart Dashboard Get a clear overview of:

Total income Total expenses Current balance Remaining budget Recent transactions Spending trends Top categories Payment mode usage

Monthly Budget Management

Set a monthly spending budget Track used and remaining amounts View budget progress visually Receive budget reminders

Category Budgets

Set individual limits for expense categories Monitor category-wise spending Receive warnings when spending approaches or exceeds limits

Advanced Reports & Analytics Understand your money with:

Daily reports Weekly reports Monthly reports Yearly reports Income vs expense analysis Category spending reports Payment mode reports Highest spending category Average daily spending Spending trends Safe-to-spend insights

Recurring Transactions Manage repeating financial activity such as:

Rent Salary Subscriptions EMI payments Utility bills Insurance Other recurring income or expenses

Choose daily, weekly, monthly, or yearly recurrence.

Savings Goals Create and track goals for:

Emergency funds Travel New devices Vehicles Education Home purchases Personal dreams

Add deposits, record withdrawals, and monitor your progress toward each target.

Debt, Borrow & Lend Tracker Keep track of:

Money you borrowed Money you lent Partial repayments Additional borrowed or lent amounts Due dates Settled and active records

Custom Categories Create your own income and expense categories and choose from a visual collection of icons. No need to know SF Symbol names.

CSV Import & Export

Export transaction data as CSV Import supported CSV files Keep financial data portable Use currency-neutral numeric amounts for easier data handling

Backup & Restore

Create full local backups Restore your SpendWise data Protect transactions, categories, budgets, recurring records, savings goals, and debt information

App Lock & Privacy Protect access to your financial information using:

Passcode Face ID Touch ID Supported biometric authentication

Nearby Useful Places Find useful services around you, including:

Banks ATMs Supermarkets Grocery stores Restaurants Cafes Fuel stations Shopping malls Pharmacies Hospitals Hotels Parking Public transport Car services Insurance offices Accountants and tax professionals

Nearby Places requires location permission and an internet connection.

Private by Design

SpendWise does not require you to create an account or sign in.

Your financial records are designed to remain locally stored on your device, giving you greater control over your personal money data.

Start building better money habits today with SpendWise.

Track smarter. Spend better. Live better.