Log an expense in seconds
Type 120+80 and hit save. Spendly does the sum, remembers your last account and payment mode, and turns the things you buy every day into one-tap templates.
Private expense tracker for IndiaEvery rupee, accounted for.
Spendly is an expense tracker and budget app for how India actually spends: UPI, cash, cards and udhaar. You log each entry in seconds, and nothing is ever read from your bank or your SMS.
Free for daily tracking. No card, no bank login.
Ledger7 Nov – 6 Dec
Total balance
Spent this cycle
- Auto to officeTransport · UPI−₹60
- Rahul paid you backUdhaar · UPI+₹2,000
- RentHousing · HDFC Savings−₹14,000
- SalaryIncome · HDFC Savings+₹85,000
Every entry is typed by you. Nothing is read from your bank or your SMS.
- bank logins
- 0
- Spendly never connects to your bank or UPI app.
- SMS permissions
- 0
- It cannot read a single message on your phone.
- trackers
- 0
- No analytics SDKs and no ad networks, anywhere.
- factors, every sign-in
- 2
- Your password and an authenticator code.
Features
Built for how India actually spends.
UPI at the chai stall, cash for the auto, a card for the big things, and the ₹2,000 Rahul still owes you. Spendly keeps all of it in one ledger.
Every account, one balance
Banks, cash, wallets and credit cards. Balances are always calculated from your starting point, never guessed.
Udhaar, finally tidy
Lend, borrow and settle up with people. See who owes you and who you owe at a glance.
Budgets that follow your salary day
Your month can start on the 7th. Budgets, reviews and safe-to-spend all follow it.
Bills and EMIs on autopilot
Recurring rules remind you or add the entry for you. See the next 30 days of dues in one timeline.
Insights worth the effort
Where the money goes, how this cycle compares with the last, and findings in plain language instead of another dashboard to decode.
Gentle nudges
A bill due, a budget at 80%, a quick weekly balance check. You choose what reaches you, and email is opt-in.
Security
Your money data deserves more than a password.
We designed Spendly assuming the worst, so a leaked backup, a stolen laptop or a guessed password doesn't become your problem.
What you typeWhat we store
merchantSwiggy
merchantv1.k7Qm2xLd9aRt0pZw
amount₹450
amountv1.Zr81hNc3YbVu6eJs
notedinner with Priya
notev1.p0TgW4mXq2LsD8fKa7Hn
personRahul
personv1.Jd5vB9cEo1UyR3
- Encrypted at rest
- Amounts, names, notes and merchants are encrypted with a key unique to you. A copy of our database reveals none of it.
- Authenticator sign-in
- Password plus a code from your phone. Email access alone can never open your account.
- Locks itself
- Step away and Spendly locks after your chosen minutes. Unlocking needs your authenticator, enforced by the server.
- Recovery you control
- Ten single-use recovery codes, shown once. No back doors, and no links in security emails.
- No tracking, no selling
- No analytics SDKs, no ad networks, no bank or SMS access. Delete your account and your data is gone for good.
Pricing
Start free. Go Pro when you're ready.
Daily tracking costs nothing. And nothing is ever deleted if Pro lapses: your data stays readable.
Free
₹0
Everything for daily money tracking.
- Up to 3 accounts
- All transaction types
- People & udhaar
- 1 overall monthly budget
- This month vs last month insights
- Up to 5 templates
- CSV export
Pro
By request
Planning, insights and unlimited everything. Pro is activated by the owner: send your user code from Settings.
- Unlimited accounts & spaces
- Split expenses
- Category budgets & rollover
- Safe-to-spend, goals, loans & EMIs
- Full insights & monthly reviews
- Smart quick add
- Excel & PDF reports, CSV import
- Receipts & 5 active sessions
FAQ
Good questions.
The ones people ask before trusting an app with their money.
Amounts, names, notes and merchants are encrypted with a key unique to your account before they're stored. Sign-in needs your password and an authenticator code, Spendly locks itself when you step away, and we use no analytics or ad trackers.
Start with today's chai. The rest follows.
Create your free account
Set up in two minutes. Your first entry is one tap away.