Spencer: Expense & Budget

Spencer is a private expense tracker and budget planner that works offline. No account. No cloud. No bank login. Your financial data stays on your phone, always.

Track spending, set budgets, watch your net worth and follow your investments in one clean app that never asks for your bank password.

TRACK EVERYTHING IN UNDER 5 SECONDS
Log income, expenses, investments and transfers across cash, bank accounts and credit cards. See each account balance and your total net worth the moment you open the app. No sync, no waiting.

SPLIT ONE PURCHASE ACROSS CATEGORIES
Groceries and household items on one receipt? Split a single transaction across several categories with exact amounts and notes. No duplicate entries.

SMART MONTHLY BUDGETS
Set spending limits by category and follow color-coded progress bars. Choose your own budget reset day to match payday instead of the calendar month.

SAVINGS GOALS
Set a target amount and date for what matters, like a trip, a laptop or an emergency fund. Spencer shows your progress and how much you need to save each month to get there. Link investments to a goal to watch it grow.

CREDIT CARD & BILL TRACKER
Follow statement cycles, unbilled vs. settled spending, loan payments, utility bills and subscription due dates, with reminders so you never miss a payment.

INVESTMENT TRACKER
Add stocks, ETFs and mutual funds, then enter their current value to see cost basis, gains and your total portfolio at a glance. Spencer Pro goes further: it fetches live prices and works out your value automatically from the units you own.

REPORTS THAT SHOW THE FULL PICTURE
Six-month income, expense and investment trends. Category breakdown by amount or percentage. Estimated net worth across all your accounts and investments.

PRIVACY YOU CAN VERIFY
No user database. No third-party tracking SDKs. Your transactions and budgets are stored only on your device. Optional, opt-in diagnostics help us fix bugs, and you can inspect exactly what is sent in Settings. No personal data is collected or shared.

FREE FEATURES
- Works offline (internet is only used for Pro live prices)
- No account, no login, no ads
- Custom income and expense categories
- Recurring expense automation
- Backup and restore with a local JSON file
- Clean dark theme
- Available in English, Hindi and French

SPENCER PRO
Live stock and fund prices with automatic portfolio value, an annual financial health audit with a score out of 100, and biometric lock (fingerprint or face unlock). Plans start under $2 per month.

Download Spencer and track your money the private way.