★ 5.0 on Google Play · Free forever

Know where your money actually goes.

A free expense tracker and budget planner that works completely offline. No account, no ads, and your financial data never leaves your phone.

No subscription · No in-app purchases · No trial

Financial health score screen in Spen Spen dashboard showing balances, income, expenses and budget
No accountNothing to sign up for
No adsNot now, not later
Works offlineEvery feature, no signal
Stays on deviceNo servers, no tracking
Features

Everything you need, nothing you don't.

Built for people who want to understand their spending without handing their bank details to a free app.

⚡

Fast expense logging

Add an expense in a few taps with custom categories, multiple accounts, and separate profiles for personal, business and family money.

🔔

Budgets that warn you

Set a monthly limit per category and get alerted before you cross it — not in a report after the month has ended.

📊

Financial health score

One clear number for how your money is doing, with a 50/30/20 breakdown across needs, wants and savings.

✈️

Trips, split or solo

Give any journey its own budget, in a second currency if you need it. Travelling together? Add everyone, record who paid, and see who owes whom — all offline.

🗓️

Recurring bills

Set up rent, EMIs and subscriptions once. Spen reminds you before each due date so nothing is missed.

📁

Insurance, in one place

Policy numbers, who's covered, helpline and TPA details, and the e-card itself — reachable offline. Reminders before every premium, so a policy never lapses.

See every feature in detail

Privacy

Your money is nobody else's business.

Most free finance apps pay for themselves with your data. Spen doesn't collect any, so there is nothing to sell, leak or lose.

✓
No account required. Install it and start — there is no sign-up screen.
✓
No bank linking. Spen never asks for credentials or reads your SMS.
✓
Fully offline. Every feature works in airplane mode.
✓
Locked down. Protect the app with a PIN or your fingerprint.
✓
Nothing locked in. Export everything as CSV whenever you like, and back up to your own Google Drive.
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Verified on Google Play. The Data Safety section reads: no data collected, no data shared.
Trip summary screen in Spen showing total spend and breakdown
Reviews

What people are saying

Unedited reviews from the Google Play listing.

★★★★★

Simple, useful and well-designed expense tracker! SPEN is a really clean and easy-to-use app for managing daily expenses and income. I particularly like the simple interface and how quickly I can add and categorize transactions. The dashboard gives a clear picture of my spending without making things complicated. Great app for anyone looking for a simple and hassle-free expense tracker. Highly recommended!

Vikas Bhandari28 August 2026 · Google Play
★★★★★

Really solid expense tracker — everything stays private and on your device, no account needed. Google Drive backup is a nice touch for peace of mind. Analytics are genuinely useful, not just basic totals. Clean UI, easy to use. Highly recommend!

Maulik Boghara17 August 2026 · Google Play
★★★★★

Excellent app for expense tracking! Very simple, clean UI and easy to use. Helps me manage my daily business & personal expenses perfectly. No ads, fast and super useful. Highly recommended

Jignesh Shah6 August 2026 · Google Play

Every review is from Google Play. See all reviews →

Screenshots

A look inside

Spen dashboard Spending breakdown chart Monthly budgets Trip overview with spending by category Trip split showing who owes whom Insurance policies with premium due dates Insurance emergency card with claims helpline and e-card

Start tracking in under a minute.

No sign-up, no email, no card. Install it and add your first expense.

Get it on Google Play