Expense trackerWeb and AndroidFree
Spendo saves an expense the moment you tap Save, with or without signal, and shows your whole month on one screen. No account needed, no ads, nothing tracked.
Other money apps want your bank login, your messages and your patience. Spendo wants the amount, what it was for, and a tap on Save.
Every entry is written to your phone first. Nothing waits on a server, so there is no spinner and nothing is lost when the signal drops.
Flight mode, a basement shop, a data pack that ran out on the 28th. Spendo opens and records exactly the same.
No ads, no paid tier, nothing to unlock and nothing tracked. Every feature is there from the first tap.
What it does
Spendo is built around the month: what you started with, what came in, what went out, and what is left. Everything else is there to make those four numbers easy to keep and easy to read.
Record
The add sheet opens on the amount, because that is what you came to type. Spendo guesses the category from words you have used before, keeps Today and Yesterday one tap away, and records money arriving in the same sheet as money leaving.
See
Home leads with one number: what is left. A bar for every day shows where the money went against an even pace for the month, and a tap on any bar narrows the list to that day.
coffee >200
Understand
Insights breaks the month into categories with a ring you can tap, shows how much went by cash, UPI and card, and keeps a budget beside each category, so you see a limit coming before you pass it.
Catch up
At night, say or type it in one line: 200 auto, 150 lunch, 900 groceries
. Spendo reads it into rows on the phone itself, and nothing is added until you have looked at each one and tapped Add.
Balance left
₹18,420
₹31,580 of ₹50,000 used · 9 days left
Spending per day₹1,667 a day keeps you even
A sample month. Tap a day.
Spent₹23,8187 categories
Paid with
Cash ₹1,620UPI ₹18,400Card ₹3,798
Rent on the 1st, a chit fund on the 1st and the 15th, a class every Monday and Thursday. Spendo asks before adding each one, or adds it on its own if you say so.
A limit for any category, shown on Insights and right in the add sheet, so it is in front of you when you are about to spend.
Start a month place by place and see what is left in each. Move money between them, like cash from an ATM or a card bill paid by UPI.
Name one, start it with an emoji if you like, and it gets a colour of its own in every chart.
petrol
, >500
or 100-300
. Results come with their count and total, and a match in another month is offered too.
History lists each month with what was spent and what was left, and charts the last twelve against their average.
Every transaction, each month, and spending by category, as a real spreadsheet with real dates. Signed in or not.
Swipe a row away and you have six seconds to change your mind. Nothing is gone until they are up.
A short summary and three places you could spend less, written from figures your phone worked out. Signed in, and only when you ask.
Follows your phone, or pick one. The switch spreads across the screen from where you tapped.
Your choice
Everything on the phone works the same either way. An account adds one thing above all: your ledger stops living on a single device.
Everything works, on this device.
Backed up
The same ledger wherever you open it.
Settings, then Sign in. Type your email address.
Type the code. Six digits, sent to that address. There is no password to forget.
Choose what comes along. Entries already on the phone are offered to the account, never added without asking.
Install
Spendo is a web app you can install from the browser, and a native Android app. Both hold the same ledger once you sign in. Pick what you are on.
The native app: gestures, sheets and vibration that feel like the phone’s own. It tells you when a newer version is out and updates from inside.
Download Spendo 0.3.18Version 0.3.1836.0 MBAndroid 7.0+64-bit
Tap the button. If Chrome asks whether to keep the file, keep it.
Open the download. Android asks to let Chrome (or Files) install apps; turn it on for that one app.
It is not from the Play Store, so Play Protect may not recognise it: tap More details, then Install anyway.
Use it straight away, or sign in with the email you use on the web to bring your entries across.
No download: the web app installs from Chrome, opens full screen from its own icon and works offline.
Open the web appGo to spendo.aathi.online/app.
Tap the menu (the three dots at the top right), then Install app or Add to Home screen.
From then on it opens like any other app, straight to your month.
There is no App Store version. Added to your Home Screen, the web app opens full screen, works offline and keeps everything on the phone.
Open the web appGo to spendo.aathi.online/app. It has to be Safari for this step.
The square with an arrow pointing up, in the toolbar.
Scroll the list down to it, then tap Add. Spendo appears beside your other apps.
Spendo works in any modern browser. In Chrome or Edge it can also be installed, with its own window and icon.
Open the web appGo to spendo.aathi.online/app in Chrome or Edge.
The install icon sits at the right-hand end of the address bar. Or use the browser’s menu: Install Spendo.
Installing is optional. In Firefox or Safari, a bookmark does the same job.
Privacy
Spendo has no ads to sell and no reason to watch you. The privacy page names every service that handles anything, and why.
Read the privacy pageWithout an account, what you record is stored on your device and nowhere else.
The page loads nothing from anyone else: every font, icon and line of code comes from Spendo’s own server.
A write-up is given the month’s totals and category shares, never a description, a date or a single entry. One switch turns it all off.
No newsletters, no marketing, no password stored anywhere.
Questions
Yes. There are no ads, no paid tier and nothing to unlock. Every feature is there from the first tap.
No. Open Spendo and start recording; everything is kept on your device. Sign in later with your email and what you have already recorded can come with you. Spendo asks before it adds anything to an account.
Yes. Every save is written to your phone first and returns at once. Signed in, changes sync in the background whenever there is a connection. Only syncing, signing in and the AI features need the internet.
If you were signed in, sign in on the new one and your ledger comes back. If you were not, the entries were only on that phone, which is the trade an account exists to fix. You can also keep your own copy at any time with Export to Excel.
It is downloaded from this site instead. Every release is signed with the same key, and Android refuses an update signed with any other, so nobody else can slip you a fake one. The app tells you when a newer version is out and updates from inside.
Not in the App Store. On an iPhone, open the web app in Safari and add it to your Home Screen: it opens full screen, works offline and does what the Android app does.
No. Spendo knows only what you type or say. There is no bank linking and no reading of messages.
Signed out, nobody: they never leave the device. Signed in, they are stored in Spendo’s database so they reach your other devices, and they are never sold, shared or used for ads. The privacy page names every service involved.
Signed in, it can guess a category the phone could not, read a long spoken list into rows, write up a month and suggest where to cut. Your phone does every sum; the AI only puts the figures into words. One switch in Settings turns all of it off.
Rupees. Spendo is built around how money moves in India: cash, UPI and card, with amounts grouped the Indian way, as in ₹1,00,000.
Free, no account needed, and it runs on the phone you already have.
Spendo