Spend tracking app with privacy

SpendChat is a private, offline-first personal finance tracker. No sign-up, no account,

no cloud required — every transaction, budget, and report lives only on your device.

• Accounts — bank, cash, wallet, and credit balances in one place

• Transactions — income, expenses, and transfers between accounts

• Categories — fully customizable with colors and icons

• People & events — split shared expenses and tag spending by trip, occasion, or person

• Budgets — set monthly limits per category and get notified before you overspend

• Savings goals — track progress toward what you're saving for

• Debt & credit tracker — keep tabs on money you owe or are owed, with due-date reminders

• Visual reports — spending breakdowns, trends, and category comparisons

• Built-in chatbot — ask questions like "how much did I spend on food this month?" and

add transactions with natural commands

• Optional SMS-based import detects bank transaction alerts and pre-fills entries for you

to review — nothing leaves your device, and you're always in control

• CSV import/export for bulk data entry or moving data elsewhere

• 100% offline — works without an internet connection

• Local, optionally password-protected encrypted backups (AES-256)

• Optional biometric app lock

• No ads. No third-party trackers. No data collection beyond what's described in our

• Free to use — no payment required to get started

• 100% offline — works without an internet connection

• Local, optionally password-protected encrypted backups (AES-256)

• Optional biometric app lock

• No ads. No third-party trackers. No data collection beyond what's described in our

• Free to use — no payment required to get started

Whether you're budgeting for the first time or replacing a spreadsheet you've outgrown,

SpendChat gives you a clear, private picture of your money — entirely on your terms.

Contact spendchat@gmail.com to get more information on the project

Page updated

Google Sites

Report abuse