Spendify: Budget & Expenses

Take complete control of your financial life with Spendify, the private, 100 percent offline personal finance manager, expense tracker, and smart budget planner. No sign-ups. No cloud tracking. No ads. Your financial data stays strictly on your device. Spendify gives you a unified view of your entire financial life: daily expenses, monthly budget limits, cash and bank accounts, credit cards, loans with automated EMI scheduling, and your investment portfolio. KEY FEATURES FAST AND INTUITIVE EXPENSE LOGGING - Log transactions in seconds with quick category shortcuts and custom icons. - Record expenses, income, and transfers between accounts with ease. - Search and filter transactions by date, category, account, or note. - Tap anywhere outside input fields to dismiss the keyboard and keep your workflow fast. SMART MONTHLY BUDGETS - Set category-based spending targets for dining, groceries, shopping, bills, and more. - Real-time progress bars notify you before you exceed budget limits. - Projected spend indicators help you forecast your end-of-month cash flow. OFFLINE AND PRIVACY FIRST - Zero registration, account creation, or internet connection required. - Your financial records are stored in a secure local database on your iPhone. - Export, backup, and restore your database files anytime. CREDIT CARDS AND MULTI-ACCOUNT MANAGEMENT - Track balances across cash wallets, checking, savings, and credit cards. - Monitor card billing cycles, credit limits, and utilization rates. - Maintain separate finance books to keep personal and business records apart. LOANS AND AUTOMATED EMI TRACKER - Track active mortgages, auto loans, personal debts, and lending. - Built-in EMI calculator computes monthly installments, tenures, and interest rates. - Automated EMI mode records scheduled monthly loan payments automatically. INVESTMENT PORTFOLIO - Track stocks, mutual funds, ETFs, crypto, and real estate holdings. - View invested capital against current valuations with instant profit and loss calculations. FINANCIAL INSIGHTS AND ANALYTICS - Interactive category charts and 6-month historical spending trends. - Savings rate monitoring and income-to-expense ratios. - Financial health breakdown assessing cash flow balance and debt commitments. EVENING REMINDERS AND NOTIFICATIONS - Configurable daily evening reminders ensure you never forget to log daily purchases. - Choose your preferred notification time to maintain consistent financial tracking. WHY SPENDIFY Most financial apps store your sensitive financial records on third-party servers. Spendify was built from the ground up for individuals who prioritize privacy, speed, and clean design. Download Spendify today and manage your money with clarity, confidence, and peace of mind.