Features Split Tracker Privacy Privacy Policy ▶  Free on Google Play
Now available on Google Play

Your money.
Your rules.

A smart, beautiful, privacy-first finance app. Track expenses, scan receipts with AI, split bills with friends — everything stored locally on your device.

100% Local & private
0 Accounts needed
AI Receipt scanning
Free To download
⚠️
Monthly Budget
100% used
🔥
Streak
2 days
T
Spendly
TOTAL BALANCE
₹83,996.65
INCOME
₹2,10,500
EXPENSE
₹1,33,812
🔥
2 Day Streak
10 / 23 achievements unlocked
Best: 5
Monthly Budgets
₹43,274 of ₹20,000
100%
Split Tracker
Open
Split Tracker
Tap to view your groups
Actions
See More
Split Bill
Expense
Income
Transfer
Home
Transactions
Accounts
Insights
★★★★★
Rated 4.8 on Google Play
📥
500+ downloads and growing
🔒
Zero data harvesting — ever
🤖
AI — offline OCR + cloud AI when connected
How it works

Up and running in 30 seconds

No sign-up, no forms, no waiting. Download, open, and start tracking immediately.

01
📥
Download for free

Install Spendly from Google Play. No account, no email, no credit card — just tap install and you're in.

02
💳
Add your accounts

Set up your bank, cash, wallets and credit cards. All data lives on your device — never on our servers.

03
📊
Track & understand

Log transactions manually or snap a receipt with AI. Budgets, goals, and charts update in real time.

Features

Everything you need,
nothing you don't

Powerful tools designed for everyday finance — without the complexity of legacy apps.

Track

Log every rupee with zero friction

From daily chai to big-ticket purchases — Spendly makes recording transactions effortless, with custom categories, multi-account support, and a speed-dial FAB.

Expense, income & transfer types with custom icons & colors
Multi-account management — bank, cash, e-wallets, credit cards
Calendar view with heatmap and swipe navigation
Recurring transactions — automate subscriptions and bills
Financial Insights
April 2026 Analysis
Monthly Expenses
Exp
Inc
42% vs last period
Savings Rate
44%
Budget Insights
View all
1 budget approaching limit
100%
Groceri…
Shoppin…
Groceries
38%
Shopping
89%
Daily Trend
Expense
Income
M
T
W
T
F
S
S
Spending Heatmap
April 2026
S
M
T
W
T
F
S
AI-Powered

Snap a receipt. Done.

Spendly uses Google ML Kit OCR with an AI extraction layer to auto-fill amounts, dates, and merchants from any receipt photo — all processed on-device, nothing uploaded.

On-device OCR via Google ML Kit — works fully offline
AI extraction layer for higher accuracy across receipt formats
AI-flagged badge so you always know what was auto-filled
No image upload — your receipts never leave your phone
🧾
Receipt detected
AI extracted 4 fields automatically
AI Refined
Merchant
Reliance Fresh
Amount
₹ 1,240.00
Date
25 Apr 2026
Category
🛒 Groceries
Save Transaction
Edit
Budgets & Goals

Set targets. Stay on track.

Create per-category budgets with weekly, monthly, or yearly periods. Set savings goals with deadlines and watch your progress in real time with threshold notifications.

Per-category budgets with flexible periods
Savings goals with target amounts and deadlines
Budget notifications when you're approaching limits
Achievements & streaks to keep you motivated daily
April Budgets
🛒 Groceries
₹3,200 / ₹5,000
🆎 Dining Out
₹3,600 / ₹4,000
🎬 Entertainment
₹2,100 / ₹1,500
🚗 Transport
₹1,100 / ₹3,000
Savings Goal
Emergency Fund
₹42,000 saved₹1,00,000 target
🎯 Target: December 2026
Live Cloud Feature

Split bills.
Skip the awkward chase.

Spendly's Split Tracker is a Splitwise-style group expense module with real-time sync. Your personal finance data stays 100% local — only Split activates the cloud, and only when you choose.

Create groups, invite with a code — no account needed by default
Equal, percentage, or exact splits with multi-payer support
Real-time sync with live balance summaries for all members
Privacy-isolated — personal transactions never touch the cloud
Learn more about Split Tracker →
🌐 Split Tracker
Goa Trip 🏖️
4 members · 8 expenses
You (Tej)
gets ₹1,240
Rahul
owes ₹860
Priya
owes ₹380
Sudhakar
settled ✓
🏨
Hotel — 2 nights
Paid by Tej · Split equally
₹6,400
🍣
Dinner at Fisherman's
Paid by Rahul · Split equally
₹3,200
🛵
Scooter rental
Paid by Priya · Exact split
₹1,800
Privacy First

Your data never leaves your device

Spendly requires no account, no sign-in, and no internet connection for core features. Every transaction is stored in your phone's local database — fast, encrypted, and 100% private.

No cloud sync
No account required
Biometric lock
Encrypted backup
No data mining
Offline first
🔒
Built private by design
Spendly uses the Isar database — a high-performance, encrypted, local-only database. Your financial life stays on your phone, period.
0
Servers storing your data
0
Accounts required
AES
Encrypted local storage
Works 100% offline
More

Designed for you

Personalize the look, protect your data, manage contacts, and export whenever you need.

🎨
Dark & Light Themes
Full dark/light/system mode with true-black OLED option.
🌈
8 Color Schemes
Teal, Purple, Indigo, Pink, Coffee, Earthy, Wood, and more.
🖼️
Custom Category Icons
Pick from Material icons or use your own gallery images.
🔤
5 Font Size Levels
Scale all text from Small to XX-Large for your comfort.
👆
Biometric Lock
Secure the app with Face ID or fingerprint authentication.
📤
Export to PDF & CSV
Share or archive your transaction history and generate receipts.
💾
Auto & Manual Backup
Scheduled daily encrypted backups with configurable retention.
🏠
Home Screen Widgets
Budget, Quick Add, and Split Bill widgets on your home screen.
👤
People & Contacts
Manage financial contacts linked to transactions, loans, and splits.
💲
Multi-Currency
Set your preferred currency for all transactions and reports.
👁️
Amounts Visibility Toggle
Hide all monetary values across the app with a single tap.
Blazing Fast
Built on Isar — high-performance local database with instant queries.
Get started

Start tracking smarter today

No sign-up. No subscription. Download Spendly for free and take control of your finances.

▶  Download on Google Play

Free · No ads on core features · Privacy first