SPEN

Spen is a free, offline expense and budget tracker for Android. No account, no ads, and your money data stays on your phone.

Give every trip its own budget and split costs with the people you’re travelling with. Add everyone, record who paid, and Spen works out who owes whom, with settle-up suggestions that clear balances in the fewest payments. Nobody else needs the app, and it all works without signal.

Spen also scores your spending with a Financial Health Score and a 50/30/20 breakdown, warns you before you go over a budget, and reminds you about recurring bills and insurance renewals. A home-screen widget lets you add an expense without opening the app.

Multiple accounts and profiles, CSV import and export, optional backup to your own Google Drive, and App Lock with PIN and fingerprint. Free, with nothing to buy.