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A local-only expense tracker for Android. It shows what's actually safe to spend after your EMIs, bills, and subscriptions are already reserved — before you spend it, not after. No cloud account, no telemetry, no network permission at all.
WHY WE BUILT IT
Most budgeting apps show you what you already spent. We wanted one that shows what's left — a single number that already accounts for the EMI due next week, before that number gets eaten by a daily habit like a coffee run. No account, no cloud sync, nothing to configure beyond your income and your recurring bills.
WHAT IT DOES
One number on the home screen: what you can actually spend this month, after your EMIs, subscriptions, and bills are already reserved out of it.
Track loans with a fixed tenure that auto-retire when paid off, or open-ended bills and subscriptions like rent, SIPs, and Netflix. Auto-logged on the due date.
Set a spend cap per category — "Coffee, ₹100/day" — and see a live progress bar plus a notification the moment you cross it.
A gentle notification when a category gets hit repeatedly in a week, before a small daily habit turns into a cash-flow problem.
Full transaction history with search and filters. Edit any entry; deleting shows an undo option so nothing is lost by accident.
This month vs last month, this week vs last week, category breakdown — with one-tap sharing of a monthly report as text.
A resizable widget shows your safe-to-spend number at a glance, reading the same local, encrypted data — no extra permissions.
Export/import an encrypted backup, or export a CSV for your own spreadsheet — saved wherever you choose, never through a server.
NO TYPING EVERY SPEND
An optional feature, off by default, that replaces manually logging every UPI payment without requiring the sensitive SMS permission most trackers ask for.
A standard Android permission — the same one call-screening and DND apps use.
Only notifications from specific bank/UPI/wallet apps are ever inspected. Everything else — messages, OTPs, promos — is ignored at the source.
Amount, merchant, and direction are extracted from the text and saved to the encrypted local database. Nothing is ever transmitted.
SECURITY DESIGN
This app holds a picture of your finances — where the money goes, when the EMI is due. Every decision below optimizes for that data staying on your device, encrypted, and nowhere else.
Local storage alone isn't enough — the database itself is encrypted at rest, so a lost or shared device doesn't mean exposed spend history.
Biometric/PIN gate on opening the app, handled entirely by Android — the app only ever gets a yes or no.
Deleting a transaction shows an undo option, and a bank notification that fails to parse is kept for review instead of silently vanishing.
BUILT WITH
QUESTIONS
No. The app declares no INTERNET permission at all. Every calculation, every notification, every widget update happens entirely on-device.
No. Notification access, if you grant it, is scoped to a fixed allowlist of banking/UPI/wallet app packages. Notifications from any other app — including OTPs and personal messages — are never read, stored, or logged.
No, by design. Everything lives only in the encrypted local database on your device. If you want a copy elsewhere, you export an encrypted backup file yourself, to a location you choose — HostSpica has no server-side copy to restore from.
Yes, free with no ads and no account required. It never will ask you to sign up.
SpendWise is in final testing. Check back here or watch HostSpica Labs for the Play Store link once it's live.
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