Money Tracking made simple
Track all your accounts, investments, and financial goals in one beautiful app. Works with any bank, any country, any currency.
Total Balance · Jun
$12,450
Salary
Monthly pay
+$3,200.00
9:00 AM
Food & Drink
Lunch at café
-$24.00
1:30 PM
Transport
Ride home
-$12.50
8:15 AM
Your money is scattered everywhere
Banks, digital wallets, investments, loans, IOUs from friends. You need one app that brings them all together—and actually keeps them private.
“I have to check multiple apps just to know what I actually have.”
— Alex, London
“I lent my friend $500 but lost track of it. I just remember vaguely.”
— Maria, New York
“My loan repayment goes out and I never know how much is left to pay.”
— Chen, Singapore
Perfect for managing money anywhere
Private by Default
Everything stays on your device. No cloud. No tracking. No ads.
All Accounts Together
Banks, digital wallets, brokerages—all in one beautiful view.
Hidden Balances
Tap to reveal your balances. Perfect for when someone's looking over your shoulder.
Smart Insights
See your income vs. spending with beautiful, actionable charts.
Goal Tracking
Set goals and track progress across multiple accounts automatically.
Debt Management
Track formal loans and informal IOUs from friends and family.
Your accounts, together
See all your money in one place. National Bank, Airtel Money, Mpamba, Old Mutual—each with its own ledger, tracked in your pocket.
- ✓ Real-time balance sync
- ✓ Custom account names
- ✓ Hidden balances by default
- ✓ Transaction history per account
National Bank
Airtel Money
Mpamba
Old Mutual
You owe MK 328,000
2 active
Track what you owe
Bank loans with fixed repayment schedules. IOUs to family. Credit cards. All tracked, with repayment progress and due dates.
- ✓ Formal & informal debts
- ✓ Auto-calculated interest
- ✓ Repayment schedules
- ✓ Visual progress tracking
Save toward what matters
Create goals tied to specific accounts. Track progress toward your dreams—emergency fund, vacation, new laptop—right inside Spendo.
- ✓ Unlimited savings goals
- ✓ Account-level allocation
- ✓ Progress visualization
- ✓ Due date reminders
Emergency fund
DUE DEC 2026MK 320,000
of total MK 500,000
MK 180,000 left
funded from
Good afternoon, Tadala 👋
Your balances are tucked away.
Total Balance
MK ••••••
Privacy mode · Balances stay hidden when you open the app. Toggle the eye in Settings anytime.
Your data stays yours
No bank APIs. No cloud sync. No ads. No brokers. Spendo is a private ledger that lives on your phone. Your financial life is yours alone.
- ✓ No internet required
- ✓ Fully offline
- ✓ Optional encrypted backup
- ✓ You control your data
Free. For everyone.
No subscriptions. No ads. No data brokers. No nonsense. Spendo is free to use—if it helps you, you can support its development with a coffee.
FREE FOREVER
$0
No catch. Free updates, forever.
Join Waitlist☕ Buy me a coffeeDonations help cover maintenance and fund new features the community wants. Entirely optional.
What's Included
- ✓All account types (banks, wallets, brokerages)
- ✓Unlimited goals, debts & categories
- ✓Hidden balance protection
- ✓Smart spending insights
- ✓Multi-account goal tracking
- ✓Zero data collection—everything stays private
- ✓Free updates forever
Your questions, answered clearly
Get Spendo on Android
Download the Android app directly and start tracking your money today—no app store account required.
Coming soon to
Google Play
Coming soon to
App Store (iOS)
A note on file size: This APK is a universal build, so it bundles everything needed for every Android device—that makes the download larger than usual. When Spendo arrives on Google Play, the store automatically delivers a smaller version optimized for your specific phone. There is no iOS or Play Store release yet; both are on the way.
Join the waitlist for Spendo beta
Be first in line when we launch this winter. Early access members get lifetime updates—forever.
No spam. No data selling. Privacy always. Built worldwide.