Spendlo: Expense & Budget Live

Spendlo is a fast, private, offline-first expense tracker and budget planner that helps you take full control of your money — no account, no sign-up, no ads, no tracking. Your financial data stays on your device. Whether you're logging daily spending, planning a monthly budget, or keeping an eye on credit cards and loans, Spendlo keeps it simple, accurate, and completely under your control. ► TRACK EVERY EXPENSE & INCOME • Log expenses, income, and account transfers in seconds • Organise spending with categories and subcategories • Split a single payment across multiple categories • Add notes, tags, and receipt photos to any transaction • Save frequent transactions as one-tap templates ► BUDGETS THAT KEEP YOU ON TRACK • Set monthly budgets per category • See live progress bars and remaining balances • Get budget variance insights on your dashboard ► ACCOUNTS, CARDS & LOANS • Manage cash, bank, wallet, savings, and investment accounts • Track credit card statements, due dates, and minimum payments • Follow loan installment schedules and mark payments paid • Automatic running balances and net worth ► BILLS & RECURRING TRANSACTIONS • Automate salaries, rent, subscriptions, and bills • Local reminders before a bill is due — nothing sent to a server ► CLEAR REPORTS & INSIGHTS • Monthly and yearly dashboards • Income vs expense and category charts • Net worth trend, cash flow, and savings rate • Calendar view of your daily spending ► POWERFUL, PRIVATE & PORTABLE • 100% offline — works with no internet • Optional PIN lock to keep your finances private • Export to JSON and CSV anytime • Optional backup to your own Google Drive — you stay in control • Accurate double-entry engine so your books always balance Spendlo is built for people who want a serious money manager without giving up their privacy. Download it free and start understanding where your money goes today.