v66 Safer history, account history, tap-to-drill Statistics & your Debts list — now on Android & iOS 🎉 See what's new →
💰 Smart expense tracker

Track expenses.
Reach your goals.

Spend Wisely turns everyday spending into clear budgets, insights and savings goals. See what you can safely spend today, split bills with friends, and plan ahead — simple, powerful, and available in 7 languages.

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Free on Android & iOS · No account needed · See all features
Spend Wisely home showing You Can Spend Today, bills due this week and recent transactions
12+
built-in categories
200+
smart suggestions
7
languages
0
ads & trackers
How it works

Get started in minutes

No sign-up, no account, no complications.

Choose your currency

Pick from 12 currencies including USD, INR, GBP, EUR, and more.

Add an account

Set up your cash, bank, or wallet account in seconds.

Log your first expense

Tap Quick Add or use the + button. Smart suggestions help you type less.

Watch your insights grow

The dashboard, heatmaps, and reports build automatically as you track.

What's new

New in Spend Wisely 66

Your history is safer, and it's easier to see where your money went.

🛟

Your history is safer

Deleting a category or account no longer loses transactions — they move to “Uncategorized”, and Undo brings everything back.

🏦

Account history

Tap an account to see its balance and every transaction in and out, including transfers.

🥧

See what makes up a category

Tap a category in Statistics to open the transactions behind it.

🤝

Debts & Credits list

See every debt and credit you've added, edit it or record a payment.

🌐

More in your language

Many more screens translated into Hindi, Marathi, Gujarati, Kannada, Spanish and French.

🛠️

Fixes

Tags work again, no more rows hidden behind the + button, and amounts like 1,500 are accepted.

Also new in recent updates

🌙

Evening check-in

“Spent anything today?” — log it or mark a no-spend day to keep your streak.

🤔

Can I afford this?

Type a price and see if it fits today's allowance and the rest of the month.

💬

Share a payment to log it

Share or paste a bank SMS or UPI receipt and the amount and payee are filled in.

📱

Smarter widget

See what you can spend today and log favourites with one-tap Quick Add.

🗓️

Due this week

Bills due in the next seven days on Home, with the week's total.

✏️

Edit many at once

Select several transactions to re-categorize, move, tag or delete.

⚖️

Balances & reconcile

Every account shows its balance; type the real one to match your bank.

🔁

Budget rollover

Carry unspent budget into next month.

🪄

Automatic categories

Picked as you type, and it learns from your corrections.

⚠️

Unusual amount warning

A quiet note if an amount is far above what you normally spend.

💡

Spending insights

Weekend habits, subscriptions, pacing against last month and more.

➗

Split expenses

Split across categories, or split bills with friends.

Features

Everything you need. Nothing you don't.

A complete personal finance toolkit in your pocket.

💰

Track expenses & income

Log every transaction with one tap. Add notes, tags, and receipts for complete records.

☀️

"You Can Spend Today"

See your safe-to-spend amount right on Home. Underspend and it grows; it turns amber when you're running low.

➗

Split across categories

Divide one payment — like a supermarket run — into multiple categories so budgets and reports stay accurate.

👥

Split bills with friends

Paid for the whole table? Log each friend's share and track repayments as credits until you're square.

📁

12 built-in categories

Food, Transport, Shopping, Bills, Entertainment, Health, Education, Rent, Groceries, and more.

⚡

Smart suggestions

Type an expense name and get instant suggestions from 200+ popular brands and your own history.

📈

Budget templates

Apply the 50/30/20 rule, Dave Ramsey method, or Minimalist budget with one tap.

🔁

Recurring transactions

Set up subscriptions, rent, EMIs, and salary. They get logged automatically.

📊

Reports & insights

Charts, cash flow forecasts, spending heatmaps, calendar view, and monthly comparisons.

🎯

Savings goals

Set targets for things you want. Track progress with contributions and see how close you are.

💲

Debt payoff planner

Snowball or Avalanche strategies. See projected payoff dates and total interest saved.

💳

Multi-account support

Cash, bank accounts, credit cards, wallets. Transfer between them with ease.

🔒

App lock

Protect your financial data with biometrics and a backup PIN.

📦

Backup & restore

Export to JSON, CSV, or PDF. Restore anytime. Your data is always safe.

📌

Quick Add templates

Save frequent expenses as templates. Coffee, lunch, transport. One tap to add.

Screenshots

See it in action

A clean, intuitive interface that makes money management effortless.

Home with You Can Spend Today

Know what you can spend today

Your safe-to-spend amount, your streak, bills due this week, and recent transactions — with Quick Add for one-tap logging.

Statistics with spending by category

See where it went

Spending by category for any day, week, month or year — tap a category to see the transactions behind it.

Can I afford this? sheet

Can I afford this?

Type a price and see whether it fits today's budget — and what it does to your daily allowance for the rest of the month.

Deep dive

Powerful under the hood

Packed with tools that go beyond basic expense tracking.

Smart dashboard

A fully customizable home screen that adapts to how you use the app.

  • Drag-and-drop to reorder widgets
  • Toggle 10+ sections on or off
  • Spending heatmap (90-day view)
  • "You Can Spend Today" allowance card
  • 7-day spending trend & budget left
  • Spending streak with milestones
  • AI-powered spending insights

Fast expense entry

Logging a spend takes seconds — often just one tap.

  • Repeat a recent expense with one tap
  • Today & Yesterday date chips
  • Long-press the app icon to add instantly
  • 200+ smart name suggestions
  • Create a category without leaving the form
  • Quick Add templates on the home screen

Budget management

Set limits, pick a strategy, and stay on track with real-time alerts.

  • 50/30/20 Rule — Needs, Wants, Savings
  • Dave Ramsey — Zero-based, 11 categories
  • Minimalist — Essentials, Leisure, Savings
  • Budget overflow alerts
  • Category-wise budget vs actual
  • Shared budgets for families

Debt & savings

Plan your way out of debt and save toward the things that matter.

  • Snowball method (smallest first)
  • Avalanche method (highest interest first)
  • Track debts owed to you and by you
  • Savings goals with progress bars
  • Wishlist with prices and priorities
  • Net worth tracking across accounts

Reports & analytics

Understand where your money goes with visual charts and summaries.

  • Category spending pie charts
  • Month-over-month comparison
  • Cash flow analysis
  • Calendar view with daily totals
  • Tag-based spending breakdown
  • Spending challenges

Smart notifications

Stay on top of your finances without opening the app.

  • Daily expense logging reminder
  • Budget overflow alerts
  • Large transaction warnings
  • Weekly and monthly recaps
  • Bill payment reminders
  • Streak reminders to keep you going

Customization

Make the app truly yours with themes, colors, and preferences.

  • Light, Dark, or System theme
  • 16+ accent color options
  • Material Design 3 dynamic color
  • Custom profile with photo
  • Multi-currency with exchange rates
  • Advanced search with saved filters
Privacy

Your data, your device

We believe your financial data should stay private.

🔒

No account required

Start using the app instantly. No email, no phone number, no sign-up.

📱

100% offline

All data is stored locally on your device. Works without an internet connection.

🛡️

Biometric lock

Protect the app with fingerprint or face recognition, plus a backup PIN.

💾

Backup & restore

Export your data to JSON anytime. Restore on the same or a new device.

Who it's for

Made for every kind of money manager

Whether you're just starting out or managing a household.

🎓

Students

Track hostel expenses, food, and pocket money with built-in categories.

💼

Working professionals

Manage salary, bills, subscriptions, and savings goals in one place.

💻

Freelancers

Track income from multiple clients and separate business and personal expenses.

🏠

Families

Budget for groceries, education, rent, and plan together with shared budgets.

Languages

Available in 7 languages

Use the app in the language you're most comfortable with.

English हिन्दी Hindi मराठी Marathi ಕನ್ನಡ Kannada ગુજરાતી Gujarati Español Spanish Français French
Forem Suite

Part of the Forem Suite family

Spend Wisely is developed by Forem Innovations as part of Forem Suite — a family of 10 privacy-first productivity and lifestyle apps built in India. Smart apps for smarter living: no ads, no tracking, no compromises.

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Explore Forem Suite →
FAQ

Frequently asked questions

Everything you might want to know before you download.

Is Spend Wisely free?

Yes — completely free. There are no ads, no subscriptions and no in-app purchases. Spend Wisely is part of the Forem Suite, built on a no-ads, no-tracking promise.

Do I need an account?

No. There's no sign-up, no email and no phone number. Open the app, pick your currency, and start tracking right away.

Does it work offline?

Yes. All your data is stored locally on your device, so the app works fully without an internet connection.

How is my privacy protected?

Spend Wisely has no accounts, no analytics, no advertising and no trackers. Everything the app remembers — transactions, budgets, goals — stays on your device, protected by biometric lock and a backup PIN.

Can I back up my data?

Yes. Export your data to JSON, CSV, or PDF anytime, and restore it on the same or a new device with rollback protection.

Can I split a payment?

Yes, two ways. Split one payment across multiple categories so budgets and reports stay accurate, or split a bill with friends — each friend's share is tracked as a credit in the Debts tab until they pay you back.

Which budgeting methods are supported?

Three ready-made templates: the 50/30/20 rule, the Dave Ramsey zero-based method, and a Minimalist budget — plus fully custom category budgets with overflow alerts.

Start tracking today

Free on Android and iOS. No ads, no account — your data stays on your device.

Get it on Google Play Download on the App Store