Spendify: Expense & Budget

Take complete control of your personal finances with Spendify — the smart, 100% offline, privacy-first expense tracker, monthly budget planner, and money manager. No sign-ups, no cloud servers, and no tracking. Your financial data stays strictly on your device. Whether you want to track daily spending, plan monthly category budgets, manage credit card bills, monitor loans and EMIs, or track your investment portfolio, Spendify brings everything together in one clean, intuitive app. ━━━━━━━━━━━━━━━━━━━━━━━━━━ ✨ KEY FEATURES AT A GLANCE ━━━━━━━━━━━━━━━━━━━━━━━━━━ 💸 FAST DAILY EXPENSE & INCOME TRACKING • Log transactions in seconds with smart category picks and intuitive icons. • Support for multiple transaction types: Expenses, Income, and Transfers between accounts. • Filter and search transactions by date, category, account, or note. • Multi-currency support with custom currency symbols worldwide. 🎯 SMART MONTHLY BUDGET PLANNER • Set monthly spending limits for categories (Groceries, Dining, Entertainment, Utilities, etc.). • Visual progress bars alert you before you overspend. • Projected spending forecasts help prevent end-of-month budget surprises. • Detailed category breakdown to discover where every dollar or rupee goes. 🔒 100% PRIVATE & OFFLINE-FIRST • Zero registration, zero logins, and no internet access required. • Your financial data is stored locally in an offline SQLite database on your device. • Full ownership: Export, backup, and restore your database files (.books.db) anytime. 💳 CREDIT CARDS & WALLET MANAGEMENT • Track balances across cash, bank accounts, savings, and digital wallets. • Monitor credit card limits, current balances, and payment due dates. • Separate personal and business finances using multiple finance books. 📊 LOANS & AUTOMATED EMI TRACKER • Monitor active home loans, auto loans, personal loans, and debt liabilities. • Built-in EMI calculator: compute interest rates, tenures, and monthly installments. • Optional Auto-EMI feature automatically deducts monthly loan payments. 📈 INVESTMENT PORTFOLIO TRACKING • Record stocks, mutual funds, crypto, real estate, and retirement assets. • Track invested amounts vs. current market valuations with automatic profit/loss metrics. 📊 DEEP FINANCIAL ANALYTICS & INSIGHTS • Interactive category pie charts and 6-month historical spending trends. • Savings rate analysis and monthly income vs. expense ratios. • Financial health score assessing your cash-flow balance and debt-to-income ratio. ⏰ EVENING REMINDERS & NOTIFICATIONS • Configurable daily evening reminders so you never forget to log daily spending. • Set your preferred notification time to keep your budget streak alive. ━━━━━━━━━━━━━━━━━━━━━━━━━━ 🛡️ WHY CHOOSE SPENDIFY? ━━━━━━━━━━━━━━━━━━━━━━━━━━ Most financial apps sell your transaction data or lock your finances behind expensive cloud subscriptions. Spendify was designed with a privacy-first mindset: fast, lightweight, visually elegant, and completely under your control. Download Spendify today and build lasting financial freedom with private money tracking!