EXPND – Expense Tracker

Reminders are the big one this time. You can write your own reminder text, pick a tone, and choose which days it turns up. There are alerts too, for a bill due tomorrow, for going over budget, and for when a savings goal is finally funded. There's also a new Upcoming screen. It lists your bills, subscriptions and EMIs for the next 30 days and works out what's genuinely safe to spend once everything committed is accounted for. Loans and lending are properly supported now, so EMIs sit alongside money you've lent or borrowed, and you can log repayments as they happen. The dashboard has started pointing things out on its own: budgets running hot, spending that looks unusual for you. It's plain arithmetic on your own numbers, nothing clever. Backups are in. The whole ledger saves to one file that you can restore on a new phone. Tags group spending across categories, and a single receipt can be split into the things it was actually for. Finally, if you'd rather not have your balances on screen, tap the eye and every amount is masked. Still no internet permission. Nothing you log leaves your phone.