SpendWise: Expense Tracker

SpendWise is the money tracker that never sees your money. Track expenses, subscriptions, credit cards and loans in one beautiful app — with every byte stored only on your phone. No account. No cloud. No ads. No analytics. Not even we can see your data. TRACK EVERYTHING — expenses with 30 smart categories and search; subscriptions with renewal reminders; credit cards with utilization, due dates and mark-as-paid; loans with an EMI calculator and a payment tracker showing the interest inside every EMI. IMPORT YOUR BANK STATEMENTS — CSV from any bank, PDF statements including password-protected ones, and UPI transaction history (HTML). Parsed entirely on your phone; it learns your merchant categories and detects recurring subscriptions. PAY OFF LOANS SMARTER — early payments go 100% to principal, and SpendWise tells you exactly how many months you just saved. STAY IN CONTROL — category budgets with 80%/100% alerts, day-before due reminders, analytics (savings rate, daily burn, projection, trends), an Accounts & Investments portfolio, a home-screen widget, biometric lock, dark/light themes. YOUR DATA, YOUR RULES — fully offline, JSON/CSV export, optional backup to a folder in your own Google Drive, one-tap delete-everything. FREE & PRO — free daily use (unlimited expenses/subs/loans/budgets/imports, one card, current month); Pro at ₹49/month or ₹499/year unlocks unlimited cards, full month history, export & Drive backup, and advanced analytics.