SpendWise

SpendWise is a local-only expense tracker built to solve one problem: knowing what's actually safe to spend after your EMIs, bills, and subscriptions are already accounted for — before you spend it, not after. WHY SPENDWISE Most budgeting apps show you what you already spent. SpendWise shows you what's left. Set your monthly income once, add your EMIs/rent/subscriptions, and the home screen shows a single "safe to spend" number that already has your recurring commitments reserved out of it. KEY FEATURES Safe-to-spend, always up to date - One number: what you can actually spend this month, after EMIs/subscriptions - Warns you before a spend eats into money reserved for a bill Auto-capture from bank & UPI notifications (optional) - Reads notifications only from an allowlist of bank/UPI/wallet apps to log spends automatically — nothing else is ever read - Works entirely on-device; nothing is uploaded anywhere EMIs & subscriptions - Track loans with a fixed tenure (auto-retires when paid off) or open-ended bills/subscriptions (Netflix, rent, SIPs) - Auto-logs the expense on the due date so your history stays accurate Goals with live progress - Set a spend cap per category — "Coffee, ₹100/day" — and see a live progress bar plus a notification if you cross it - Built for catching small daily habits before they add up Habit nudges - A gentle notification if a category (like that daily coffee) gets hit repeatedly in a week — before it becomes a cash-flow problem Insights & sharing - This month vs last month, this week vs last week, category breakdown - One-tap share of a monthly report as text Missed-capture review - If a bank notification doesn't parse cleanly, it's logged for review instead of silently disappearing — add it manually or dismiss it Search, edit, undo - Full transaction history with search and filters - Edit any transaction; deleting shows an undo option, nothing is lost by accident Home-screen widget, backups, CSV export - A resizable widget shows your safe-to-spend number at a glance - Export/import an encrypted backup, or export a CSV for your own spreadsheet PRIVACY, BY DESIGN - No account, no sign-up, no cloud sync - The app has no INTERNET permission — it cannot make a network request even if it wanted to - All data is stored on your device in a database encrypted at rest (SQLCipher, AES-256) - Optional biometric/PIN app lock - Full privacy policy: https://hostspica.com/labs/spendwise/privacy-policy SpendWise is free, has no ads, and never will ask you to create an account.