Spendy: Offline Budget Tracker

Looking for a private, offline expense tracker that works without bank linking or forced cloud sign-ups? Spendy is a fast, no-login personal finance manager and daily spending tracker designed to give you complete control over your money. Whether you want to log cash purchases by voice, stick to a monthly budget, track borrowed money (IOUs), or export PDF expense statements, Spendy keeps 100% of your financial data safely on your device. 🎙️ VOICE EXPENSE TRACKER & 1-TAP LOGGING Stop typing every receipt manually. Use built-in voice dictation to log transactions hands-free, just say "Spent 15 dollars on lunch" or "Received 500 salary," and Spendy automatically detects the amount, category, and transaction type. • Quick-Add Templates: Save frequent purchases for instant 1-tap entry. • Home Screen Widgets: Check your remaining daily allowance and log expenses or voice notes straight from your home screen. • Built-in Custom Keypad: Log cash and card spending in seconds. 📊 SMART MONTHLY BUDGET & SAFE-TO-SPEND CALCULATOR Avoid end-of-month surprises with proactive budget alerts and a live "Safe to Spend Today" allowance. • Category Spending Limits: Set daily, weekly, or monthly limits for Groceries, Dining, Shopping, Travel, and custom categories. • Proactive Spending Insights: Spot spend spikes, weekend spending habits, no-spend day streaks, and month-over-month comparisons automatically. • Visual Analytics: Explore interactive daily sparklines and category breakdowns to see exactly where your money goes. 🏦 MULTI-ACCOUNT WALLETS, BILLS & SUBSCRIPTIONS Manage all your finances in one clean dashboard without connecting sensitive bank accounts: • Accounts & Wallets: Track balances across cash wallets, bank accounts, and credit cards. • Recurring Transactions & Bill Tracker: Automate repeating rent, salary, and subscription renewals so you never miss a payment. • Custom Categories: Create and color-code unlimited income and expense categories tailored to your lifestyle. 🤝 DEBT TRACKER & IOU MANAGER Easily track money you owe or money lent to friends and family. • Log lent and borrowed balances with due dates and notes. • Record partial or full repayments and keep a clear history of every IOU settled. 🎯 SAVINGS GOAL PLANNER Turn financial targets into reality, whether you are building an emergency fund, saving for a vacation, or buying a new gadget. • Track progress with visual milestone bars and target deadline reminders. • Add contributions anytime and celebrate when you hit 100%. 🔒 100% OFFLINE, PRIVATE & EXPORT-READY Your financial life belongs only to you. Spendy stores all records locally on your phone, no servers, no ads, and no account registration required. • App Lock Security: Protect your financial diary with a PIN or biometric lock. • PDF, CSV & JSON Backup: Export clean PDF bank-style statements for printing, CSV spreadsheets for Excel/Sheets, or full JSON backups for easy device migration. • Data Cleanup Tools: Quickly find duplicate entries, merge transactions, or bulk-edit records. • Multi-Currency & Scheduled Dark Mode: Supports global currencies and customizable light/dark themes. Download Spendy today and experience the simplest offline expense tracker, voice budget planner, and personal money manager!

First Release