SpndX: Expense Tracker, Budget

Looking for a simple, private daily expense tracker and group bill splitter without bank logins or SMS tracking? SpndX is your all-in-one money manager, monthly budget planner, and offline expense tracker. Manage daily personal spending, create custom category budgets, split group bills with roommates or friends, and track who owes whom with instant debt simplification. Whether you need a daily cash tracker, a roommate expense manager, a travel budget calculator, or a private personal finance organizer, SpndX works 100% offline with zero invasive permissions. ✨ WHY USERS CHOOSE SPNDX ✔ Daily Expense Tracker & Money Manager Log personal expenses in seconds with custom categories, payment modes (Cash, UPI, Card), notes, and date tracking. Get smart category suggestions for faster logging. ✔ Monthly Budget Planner & Financial Insights Set category-wise monthly spending limits. Monitor remaining budget in real time, view spending heatmaps, analyze trends with visual charts, and track your Financial Health Score. ✔ Bill Splitter & Shared Group Spaces Create shared spaces for roommates, group trips, couples, dinners, and events. Split bills equally, by exact amount, by percentages, or by custom shares. ✔ Smart Debt Simplification (Settle Up) Avoid confusing cross-payments! SpndX automatically calculates the fewest number of transactions needed so your group settles up smoothly. ✔ Offline-First & 100% Private Your financial data stays securely on your phone. No SMS permissions required, no bank account scraping, and no unwanted data tracking. Works anywhere—even on flights or remote trips. ✔ UPI Expense Tracker & QR Scanner (India) Scan any vendor UPI or BharatQR code to auto-fill expense details. Works seamlessly alongside Google Pay, PhonePe, Paytm, and BHIM without reading personal SMS. ✔ Multi-Currency Support for Travel (150+ Currencies) Going abroad? Log expenses in any foreign currency with live or cached offline exchange rates. Everyone sees clear settlements in their home currency. ✔ Easy CSV Import (Switch from Other Split Apps) Already using another bill-splitting app? Export your groups to a CSV file and import them directly into SpndX with all member balances intact. ━━━━━━━━━━━━━━━━━━━━━━━━━━━━ 📌 PERFECT FOR EVERY SPENDING NEED ━━━━━━━━━━━━━━━━━━━━━━━━━━━━ • Roommates & Flatmates: Split monthly rent, groceries, electricity, and WiFi bills fairly using share-based splits. • Group Trips & Travel: Track vacation costs with friends without complex spreadsheets or currency confusion. • Couples: Manage joint household expenses transparently while keeping your personal expenses private. • Students & Freelancers: Track daily kharcha, control impulse spending, and build disciplined saving habits. ━━━━━━━━━━━━━━━━━━━━━━━━━━━━ 🌟 KEY FEATURES AT A GLANCE ━━━━━━━━━━━━━━━━━━━━━━━━━━━━ • Fast 2-tap expense logging with quick action shortcuts • Category budget tracker with visual progress bars • Spending trends, category breakdown & monthly analytics • Shared Spaces with instant QR code invite (no signup needed for guests) • Record cash settlements and mark balances as paid • Local backup & restore + optional cloud sync across devices • Clean, minimalist dark and light themes • No forced subscriptions – core features are 100% free Take full control of your personal spending, stick to your budget, and split group expenses without awkward payment reminders. Download SpndX today – the smarter, private expense tracker and bill splitter!