SpendWise app — Smart Money Manager

SpendWise

Smart Money Manager for the World — know exactly where every rupee goes.

🌏 Multi-language · Multi-currency 🔒 Private — data stays on your device ▶ Live on Google Play
Get SpendWise — Free
SpendWise home dashboard with net worth, income, expense and savings Add transaction screen with expense categories Smart Bill Scan — scan receipts with the camera Transactions history with search and filters Financial reports — income, expense, savings and health score Financial Health score and Smart Insights EMI tracker with loan calendar and reminders Credit card tracking with utilization and due dates Subscription manager with monthly and yearly totals SpendWise full menu — budgets, wallets, goals, reminders
Home Dashboard

Your money, one glance

Open the app and instantly see your Total Net Worth with Income, Expense and Savings cards — plus a smart "Safe to Spend Today" number that tells you how much you can spend for the rest of the month without breaking your plan.

  • Total Net Worth updated live with every entry
  • Income · Expense · Savings % at a glance
  • Safe-to-Spend calculated for the days left this month
  • Quick Actions you can customise
Add Transactions

Log any spend in seconds

Expense, Income or Transfer — pick a category, type the amount, done. 15+ ready-made categories cover Indian life: Food, Fuel, Rent, EMI, Family, Travel, Bills, Education and more.

  • 15+ colour-coded categories with icons
  • Payment mode (Cash / UPI / Card) on every entry
  • Multiple wallets & accounts
  • Date picker and optional notes
Smart Bill Scan

Point your camera at a bill — done

Scan any receipt with the camera (or pick one from your gallery) and SpendWise reads it for you. Everything happens on your device — your bill image is never uploaded anywhere.

  • Camera or gallery scan
  • 100% on-device processing — nothing leaves your phone
  • Manual entry always one tap away
History

Every transaction, searchable

All your income, expenses and transfers in one clean timeline. Filter by Today, This Week, This Month or All Time — or search by name. Each entry shows its category, payment mode and amount.

  • Instant search across all transactions
  • Time filters: Today · Week · Month · All Time
  • Income / Expense quick toggles
Financial Reports

Reports that explain themselves

Daily, Weekly, Monthly or Yearly — see Income, Expense, Savings and your Health Score for any period, with cash-flow analysis and a category breakdown of where the money actually went.

  • Daily / Weekly / Monthly / Yearly views
  • Cash Flow Analysis charts
  • Category-wise spending breakdown
Financial Health & Smart Insights

A fitness score for your money

SpendWise grades your finances 0–100 based on how you earn, spend and save — and Smart Insights shows which categories are eating your income, so you know exactly what to fix.

  • Financial Health score with live rating
  • Smart Insights with category analysis
  • Improves as your habits improve
EMI Tracker

Never miss an EMI again

Track every loan — personal, vehicle, home — with its monthly EMI, months remaining and amount left. A due-date calendar and push reminders (set days in advance) keep you ahead of the bank.

  • All loans with EMI, tenure & balance left
  • Due-date calendar — see what's due today
  • Payment alerts before the due date
  • Mark as Paid with one tap
Credit Cards

All your cards, under control

Total outstanding, credit limit, utilization % and due dates for every card in one place. SpendWise stores only tracking details — it never asks for your CVV or full card number.

  • Outstanding, limit & available credit per card
  • Utilization % with visual bars
  • Due-date reminders
  • No CVV, no full card number — ever
Subscriptions

Catch the silent money leaks

Netflix, Spotify, OTT, gym — list every recurring service and see the real damage: monthly and yearly totals, renewal dates, and a cancel reminder before you get charged again.

  • Monthly & yearly total of all subscriptions
  • Renewal dates per service
  • Active / cancelled status tracking
And much more

A complete money toolkit

Everything a money manager should have, in one free app:

  • Budget Planner — set limits per category
  • My Wallets — cash, bank & UPI accounts
  • Savings Goals — save towards what matters
  • Recurring Payments & Bills
  • Bills & Reminders + Reminder Calendar
  • English + Indian languages · INR and world currencies