Expense Tracker & Planner vs Spend Tracker & Budget

Take control of your money without giving up control of your data. Expense Tracker & Planner is a powerful personal finance app designed to work 100% offline. Track expenses, income, budgets, accounts, savings goals, loans, EMIs and net worth — with your financial records stored locally on your device. No cloud connection is required to manage your everyday finances. EXPENSE & INCOME TRACKER Quickly record expenses and income and always know where your money is going. • Track expenses and income • Transfer money between accounts • Add notes, merchants, tags and dates • Attach receipts • Search and filter transactions • Create custom categories BUDGET PLANNER Create a monthly budget and stay aware of your spending. • Set your monthly budget • Monitor daily spending pace • Get budget alerts • Compare spending and income • Review monthly savings ACCOUNTS & NET WORTH See your complete financial picture in one place. • Track bank accounts, cash, wallets and credit cards • Set opening balances • View balances across accounts • Monitor your total net worth • Follow net worth trends over time SMART ANALYTICS Understand your finances with clear reports and visual insights. • Spending by category • Income vs spending • Monthly financial summaries • Spending trends • Savings insights SAVINGS GOALS Create financial goals and track your progress toward them. Whether you're saving for a new laptop, vehicle, home, vacation or emergency fund, your progress stays easy to understand. LOANS & EMI TRACKER Keep track of your existing loans without connecting a bank account. • Outstanding loan balance • Monthly EMI • Payments completed • Upcoming payment dates • Loan progress RECURRING TRANSACTIONS Organize recurring expenses and income such as: Salary, rent, EMIs, utility bills, subscriptions and other repeating transactions. EXPORT & BACKUP Your data stays under your control. • Export transactions to CSV • Create PDF reports • Local backup and restore • Move or archive your own financial records PRIVATE & OFFLINE Expense Tracker & Planner is built around local-first personal finance. - Works completely offline - Financial records stored on your device - No bank account connection required - No cloud required for everyday tracking Perfect for personal budgeting, household expenses, salary management, freelancers, cash flow tracking and anyone who prefers keeping financial records on their own device. Important: The Loans & EMI feature is only for tracking existing loans. Expense Tracker & Planner does not provide, broker, facilitate or recommend loans or other financial products.

Log an expense in under 3 seconds — just say it. "Coffee 4.50", "Groceries 32 at the market", "Taxi 12": the app fills in the amount, category, merchant and note for you. Review, save, done. VOICE OR TEXT • Tap the mic and speak in your language, or type if you prefer • Edit any field with one tap before saving BUDGETS & SAVINGS GOALS • Monthly budgets per category with over-budget alerts • Savings goals with deadlines and monthly contribution hints • Add your income and see what's safe to spend CLEAR INSIGHTS • Donut, bar, trend and heatmap charts • Weekly spike alerts and per-category breakdowns • Spot recurring expenses PRIVATE BY DESIGN • Your expenses are stored on your device • Choose on-device parsing (nothing leaves your phone) or cloud parsing for higher accuracy • Backups and exports only when you choose Pick your own currency. Free with ads; Spendly Plus removes ads and unlocks unlimited cloud parsing. Terms of Use: https://nagy-legal.vercel.app/spendly/terms.html Privacy Policy: https://nagy-legal.vercel.app/spendly/privacy.html