Private by design

Control your money. Your way.

SpendFlex is a private, offline-first expense tracker and budget planner. Budgets, savings goals, insights and reports — while your financial data never leaves your device.

Download on theApp Store Get it onGoogle Play

No bank login Offline-first EN · ES · PT

Savings goals screen with progress toward a beach trip, investments and a completed vacation goal

SpendFlex home screen for June 2026: spending donut of $2,266.45, category breakdown and budget bars

Stats screen with month-over-month comparison, six-month trend line and a spending heatmap

76 Currencies, live rates

3 Languages — EN · ES · PT

0 Bank logins, ever

100% On-device storage

The practice

Kept like a private ledger.

SpendFlex borrows its manners from private banking: deliberate entries, quiet numbers, and a monthly picture you can actually read. No feeds, no noise, no dashboard shouting at you.

Logged in seconds

Expense or income, category, payment method — recorded in seconds, in any of 76 currencies, even offline. Recurring charges post themselves.

Budgets that flex

A monthly allowance with category limits, optional rollover and custom month cycles — plus a daily figure that tells you what is safe to spend today.

Insight without exposure

Trends, heatmaps, detected subscriptions, upcoming charges and savings goals — computed on your device, shared with no one. When you need the detail: PDF, CSV and Excel reports.

Inside the app

Quiet interiors, serious numbers.

Swipe →

Add expense screen with amount, category chips, date and receipt photo field — Entry, in seconds

Transactions list with search, expense and income filters and daily totals — Every entry, searchable

Budgets screen with monthly budget, category split, daily budget and alerts — Budgets & daily allowance

Detected subscriptions screen listing Netflix and Spotify with track or ignore actions — Subscriptions, detected

Our position on privacy

Your data, only yours. On your device, and nowhere else.

There is no account to create, no bank to connect, and no SpendFlex server holding your records — they live on your device, offline-first. When you want a backup, it is a file you own, saved to storage you choose: your Files app, your iCloud Drive, your Google Drive.

On-device storage Offline-first records. No server holds your ledger.
Face ID / Touch ID lock The app opens for you, and only you.
Private backup & restore Your history travels as your own file, nowhere else.

Settings screen showing currency, language, theme, Face ID lock, export, backup and the privacy note: your data, only yours — Settings — data & privacy

Membership

Free to use. €25 to own forever.

The free ledger already covers everyday tracking — no trial, no card, no ads. And Premium is not another subscription: pay once and it is yours for life.

The ledger — free forever

€0 no card, no trial

Fast expense & income logging
Monthly budget & daily allowance
Categories, charts & month navigation
Savings goals & recurring charges
50 entries a month — plenty to start

Download free

One-time payment

Premium — everything unlocked

€25 once — yours for life

or €2.99/month, cancel anytime

Unlimited entries
Custom categories & income sources
Receipt photos on any transaction
Smart insights, trends & subscription detection
PDF, CSV & Excel reports
Private backup & restore

Get the app & unlock

The in-app Premium screen: own it forever for a €25 one-time payment marked best value, or €2.99 month by month — Straight from the app — buy once, own forever

Prices in euros. Final pricing is shown in the app and may vary by region.

Begin your private ledger.

Seconds to your first entry. SpendFlex is free to download on iPhone and Android.

Download on theApp Store Get it onGoogle Play