OkSpend: Budget & Expenses

OkSpend is an offline budget planner, expense tracker and personal money manager built for people who want a simple way to control everyday spending. Instead of only showing where your money went, OkSpend helps you understand what you can safely spend today. Create a monthly budget, organize spending with envelope budgets, log expenses and income, track account balances, plan recurring bills and see your upcoming balance forecast — all without connecting a bank account. SEE WHAT YOU CAN SAFELY SPEND OkSpend calculates your safe-to-spend amount from your current budget, spending so far, upcoming bills and the days left in your budget period. The calculation is shown clearly, so you can understand why the number changes. TRACK EXPENSES FAST Use OkSpend as a daily spending tracker and expense manager. Add expenses, income and transfers in seconds, then review your activity by date, account or category. PLAN WITH ENVELOPE BUDGETS Create category budgets for groceries, rent, bills, transport, shopping, eating out and more. See how much is left in each envelope, track overspending and carry positive or negative balances into the next period when rollover is enabled. PLAN RECURRING BILLS Add recurring expenses and income to see what is coming next. OkSpend can forecast your balance 30 or 60 days ahead, helping you spot future low points before they arrive. UNDERSTAND WHERE YOUR MONEY GOES Use monthly spending insights and category breakdowns to see which areas take the biggest share of your budget. Transfers between your own accounts are kept separate from spending totals. MANAGE ACCOUNTS WITHOUT BANK LINKING Track cash, current accounts, savings and other personal accounts manually. OkSpend does not require bank access or automatic transaction imports. OFFLINE AND PRIVATE OkSpend is designed to work without an account, server or bank connection. Your budget data stays on your device unless you choose to export it. BACKUP AND EXPORT Create a JSON backup for your OkSpend data or export your transactions as CSV for spreadsheets and personal records. LIGHT AND DARK THEMES Choose light, dark or system theme for a clean budgeting experience that fits your device. OkSpend is ideal if you are looking for a budget planner, expense tracker, spending tracker, envelope budgeting app, bill planner or simple personal finance money manager that works offline. Take control of your daily spending, understand your budget and know what you can safely spend today with OkSpend.