SPEN: Expense & Budget Tracker

Free offline expense tracker and budget planner. Track daily spending, set monthly budgets and get bill reminders — private, no ads, no account needed. Take control of your money with a money manager that keeps everything on your phone. No sign-up, no subscription, no ads, and no data ever sent to a server. Install SPEN and start tracking in under a minute. WHY USE SPEN? 🛡️ Privacy First Your financial data never leaves your phone. SPEN is a fully offline expense manager — no account, no servers, no data sharing. Google Play's Data Safety section confirms it: no data collected, no data shared. 🚫 Free, With No Ads No banner ads, no pop-ups, no paid tier hiding your own reports behind a paywall. Every feature in this budget app is free, and stays free. 📝 Daily Expense Tracker Record any transaction in seconds. Food, fuel, rent or salary — capture every entry with a fast, clean spending tracker built for real life. 📊 Spend Analytics Understand your habits, not just your totals. See exactly where your money goes with clear charts and a visual finance tracker. FEATURES FOR FINANCIAL CONTROL 💰 Smart Budgeting Set a monthly budget for each category and get an alert before you overspend — not a report after the month has ended. 📈 Financial Health Score One clear number showing how your money is doing, with a 50/30/20 breakdown across needs, wants and savings. 🔔 Recurring Payments & Bill Reminders Set up rent, EMIs and subscriptions once. SPEN reminds you before every due date so you never pay a late fee again. ✈️ Trip & Travel Expense Tracker Give any trip or holiday its own budget and see exactly what you spent, day by day and category by category. Track a second currency alongside your own, and keep travel spending out of your monthly budget. 🏦 Multiple Accounts & Profiles Track bank, cash, wallet and credit card together — and keep personal, business and family money completely separate. 🏷️ Custom Categories Tag and organise spending your own way. Shape the expense manager around how you actually live. 📅 Weekly & Monthly Summaries A quiet reminder of where the month is going, delivered on your phone, generated on your phone. 🔐 App Lock & Secure Backup Protect SPEN with a PIN or your fingerprint, and back up to your own Google Drive. Restore your full history in a few taps on a new phone. 📤 Import & Export Bring in your existing records or export everything to a spreadsheet any time. Your data is never locked in. WHO SPEN IS FOR Students tracking pocket money. Professionals managing monthly bills and EMIs. Freelancers with irregular income who need to separate business from personal. Families running a shared household budget. Travellers who want a trip to have its own budget. HOW SPEN WORKS Every entry is added by you. SPEN does not read your SMS, connect to your bank or ask for your contacts — which is exactly why it needs no account and works with no signal. Manual entry takes about five seconds, catches the cash spending that automatic trackers miss completely, and keeps your financial life entirely in your hands. Works fully offline, on the train, in a basement shop, on a flight — every feature, every time. 📲 Download SPEN today and take control of your money — privately. 💬 We read every piece of feedback. If something is missing, tell us and we'll build it.