XP Spendly

iPhone · iOS 17+ · Free

Know where the month actually went.

XP Spendly is an expense tracker with nothing in the way. Log what you spent in a couple of taps, see what is left of your budget, and get an honest picture of your month — without an account, without ads, and without a single byte leaving your iPhone.

Coming to the App Store See everything it does

No sign-up · No subscriptions · No ads · Works offline

The XP Spendly home screen: an August budget card showing $2,164 spent of $3,200, with the day-by-day expense feed below.
Spent this month Everything on device
  • 0Accounts
  • 0Ads & trackers
  • 0Subscriptions
  • 12Currencies
  • 100%On your device

The idea

Why another tracker

Most budgeting apps want your bank login, your email address and $9.99 a month before they will tell you how much you spent on coffee. XP Spendly asks for none of it.

You type the amount, tap a category, and you are done — the whole interaction is built to take a few seconds while you are still standing at the counter. Everything after that is arithmetic the app does for you: what is left this month, what you can spend per day to stay on track, where the money is going, and whether this month is worse than the last one.

No server holds your records. They live in a single file inside the app on your iPhone, and the app contains no code that uploads them anywhere. That is not a promise on a marketing page — it is how the thing is built.

Everything it does

8 areas
01

Logging an expense

The screen you will open most often, so it is the one with the fewest steps.

Amount, category, done
Three taps and a Save. There is no form to scroll, no required note, no confirmation dialog. Save is disabled until an amount and a category are actually there, so you cannot record an empty entry by accident.
A keypad built for one thumb
A full-width numeric pad with oversized keys instead of the system keyboard — the amount is the main thing you do here, so it gets the space. It refuses more than two decimal places, replaces a leading zero instead of growing it, and has a real backspace key.
The category is pre-picked
The app looks at your last 30 days and pre-selects whatever you use most, so the usual expense is one tap shorter. Every category is on screen at once in a five-across grid — no dropdown, no search.
Notes and backdating
Tap the details row to add a note (“Brunch”, “T-shirt”, “Rideshare”) and to set the date and time — handy for a receipt you find in your pocket two days later. Future dates are blocked, because an expense you have not made yet is not an expense.
Forgiving amount entry
Type 1,234.56, 1234.5 or 1.234,56 — the app works out which mark is the decimal one and ignores stray currency symbols and spaces. Amounts are stored as exact decimals, not floating point, so totals never drift by a cent.
Fix anything later
Tap any expense to edit the amount, category, date or note, or delete it from the same screen. In the feed, a swipe to the left deletes it outright.
02

The budget card

One black card at the top of the home screen that answers “am I fine?” before you read anything else.

Spent, and what is left
The month’s total in large type, a red bar showing how much of the limit is gone, and the balance underneath: “$1,036 left” — or “Over by $240” once you cross the line.
Daily budget
What is left divided by the days still to come, including today. The single most useful number in the app: it tells you what you can spend tonight without wrecking the month.
Daily average
What you have actually been spending per day so far this period. Put next to the daily budget, the gap between the two is the whole story.
Projected total
Where the month lands if you carry on at exactly this pace. Shown from the first days of the period, when there is still time to do something about it.
Against last month
A quiet +18% vs last month line under the total, in red when spending is up and neutral when it is down. It is hidden when there is no previous month to compare with, instead of showing a meaningless number.
No budget? No nagging
If you have not set a limit, the card simply offers to set one and the app works fine without it. The budget is optional; the tracking is not conditional on it.
03

The expense feed

Your month, newest first, grouped the way you remember it — by day.

Grouped by day, with day totals
Each day is its own section with its own sum on the right, so “what did Saturday cost me?” is answered without any tapping. Headings read Today, Yesterday, then August 17 — and add the year once you scroll back past January.
Rows that carry their context
A colour-coded category badge, the category name, and underneath it your note — or the time of day if you did not leave one. Amounts are set in tabular figures so the column lines up perfectly.
Search that covers notes
One search field over both notes and category names. Looking for that one large purchase you labelled “tyres” takes a second, even months later.
Move between months
Arrows in the top-left step back through previous periods and forward again. Forward past the current month is disabled — there is nothing there yet.
04

Stats

Two charts and two lists — chosen because each one answers a question you would otherwise ask out loud.

Daily chart
A bar per day of the period, including the days you spent nothing — so the empty stretches and the spikes are both visible. Axis labels shorten large numbers to 1K, 750, and the date axis ticks every seven days.
Cumulative chart, with your budget on it
Switch the toggle and the same data becomes a running total climbing across the month, with your monthly limit drawn as a dashed red line. The moment the curve meets the line is the moment the month gets tight — and you can see it coming days ahead.
Breakdown by category
Every category with a total, a share of the month, the number of expenses behind it, and a bar in the category’s own colour. Sorted largest first, so the answer is always the top row.
Per-category limit progress
If a category has its own monthly limit, the row shows “78% of $150 limit” — and turns red with “limit exceeded” once it is past. Useful for the one or two categories that always get away from you.
Biggest expenses
The five largest single purchases of the period, listed in full. Most months, these five explain more of the total than every small purchase combined.
Any month, not just this one
The same period arrows sit at the top of Stats, so every chart and list can be pointed at last month, or the month before that.
05

Categories

Ten sensible ones out of the box, and complete freedom to replace them.

Ready on first launch
Groceries, Dining, Transport, Housing, Health, Shopping, Fun, Bills, Learning and Other — each with its own icon and colour, so you find a category by its colour faster than by reading its name.
Make your own
Name it, pick from twenty icons and eleven colours, and give it a monthly limit if you want one. The preview updates as you choose, so you know what it will look like in the feed.
Per-category monthly limits
A separate cap on Dining or Shopping, tracked alongside the overall budget and shown in Stats as progress against that cap.
Order them your way
Drag to reorder. The order you set is the order the grid shows when you log an expense — put your three most common first and most entries become a single tap.
Archiving instead of losing history
A category you have never used is deleted outright. A category with expenses behind it is archived: it disappears from the entry grid but stays in every past month’s breakdown, so old statistics keep adding up. Restore it with one tap whenever you like.
06

Your month, your cycle

Salaries rarely arrive on the 1st. The app does not insist that they do.

Start the month on any day
Pick any day from 1 to 28 as the first day of your accounting month. Get paid on the 5th and your “August” runs from Aug 5 to Sep 4 — with the header naming that range instead of a calendar month.
Everything follows the shift
Budget balance, daily budget, projection, charts, category breakdown, the comparison with the previous period and the CSV export all use your cycle, not the calendar’s. Nothing is left half-converted.
Twelve currencies
US Dollar, Euro, British Pound, Canadian Dollar, Australian Dollar, Japanese Yen, Swiss Franc, Chinese Yuan, Indian Rupee, Mexican Peso, Brazilian Real and Russian Ruble. The right one is picked from your region on first launch, and you can change it at any time.
07

Reminders and the lock

Two optional switches. The app never asks for a permission you have not turned on yourself.

One reminder a day
A single daily notification — “Log today’s spending · Takes about thirty seconds.” — at a time you choose. Not a stream of alerts, and not a growth tactic: one nudge, or none. It is scheduled on your iPhone, so it works with no network and nothing is sent anywhere.
Face ID or Touch ID
Turn on the lock and the app asks for your face, fingerprint or device passcode before it shows anything. It locks itself again the moment you switch away, so your balance is not sitting there in the app switcher.
Permissions on demand only
Notification access is requested when you enable the reminder, and biometrics when you enable the lock — never on first launch, and never as a wall between you and the app. Everything works with both switched off.
08

Your data, and getting it out

A tracker you cannot leave is a trap. This one hands you the whole file.

CSV export
The current period as a spreadsheet — date, category, amount, currency and note — ready for Excel, Numbers or Google Sheets. Dates are written in ISO form, text is escaped properly, and the file carries a UTF-8 marker so Excel on Windows does not mangle it.
Full backup, one file
Save a backup and you get every expense, every category and every setting in a single JSON file, shared wherever you like — Files, iCloud Drive, email, a messenger. Restore it on a new iPhone and you are exactly where you left off.
Delete everything, for real
One button in Settings wipes expenses, categories and settings permanently, with a confirmation first. Deleting the app does the same thing. There is no copy left behind on a server, because there was never a server.
Built not to lose your records
Saves are atomic — you get the old file or the new one, never half of either — and are ordered so a slow save can never overwrite a newer one. If a file is ever damaged, the app sets it aside as a recoverable copy rather than deleting it, and starts clean instead of refusing to open.
Included in your iPhone backup
Your records sit inside the app, so they travel with your normal iCloud or computer backup — under Apple’s terms, and still out of the developer’s reach.
Free, and staying that way

No in-app purchases, no premium tier, no advertising, no “unlock statistics for $4.99”. Every feature on this page is available the first time you open the app.

The four screens

That is all of them
Home screen with the black budget card and the daily expense feed.
HomeBudget, balance, daily allowance and the month’s expenses grouped by day.
New expense screen with the amount display, category grid and large numeric keypad.
New expenseBig keypad, every category in reach, the one you use most already selected.
Stats screen with a daily bar chart and the breakdown by category.
StatsDaily and cumulative charts, category shares, per-category limits, biggest buys.
Settings screen with budget, currency, categories, reminders, lock and data export.
SettingsBudget, currency, categories, cycle start day, reminder, lock and export.

Getting started

About two minutes
STEP 01

Open it

No account, no email, no onboarding questionnaire. The app opens straight onto the home screen with ten categories already set up and your currency picked from your region.

STEP 02

Set a monthly limit

Tap the budget card, type a number. From that moment the app tracks the balance, works out what you can spend per day, and projects where the month is heading.

STEP 03

Log as you go

Amount, category, Save. After a week the charts have something to say; after a month, the comparison against the previous one does too.

Specifications

Version 1.0
PlatformiPhone, iOS 17 or later
PriceFree — no in-app purchases, no subscriptions, no advertising
AccountNone. Nothing to sign up for and nothing to sign in to
NetworkFully functional offline. Your expenses are never transmitted
Interface languageEnglish
CurrenciesUSD, EUR, GBP, CAD, AUD, JPY, CHF, CNY, INR, MXN, BRL, RUB
AppearanceLight and dark, following your iPhone
Accounting cycleCalendar month, or any start day from 1 to 28
ExportCSV (per period) and a complete JSON backup
SecurityOptional Face ID / Touch ID lock with passcode fallback
NotificationsOptional — one local daily reminder at a time you choose
Built withSwiftUI and Swift 6, no third-party analytics or advertising SDKs
Age rating4+
CategoryFinance

Questions

12 answers
Do I need to create an account?

No. There is no sign-up, no email, no password and no “continue with” button. You open the app and it works. Because there is no account, there is also nothing to be locked out of and nothing to be breached.

Does it connect to my bank?

No, and that is deliberate. Bank connections require handing your credentials to a third-party aggregator, and they turn a personal ledger into a data pipeline. XP Spendly is manual entry only — which is also why logging is built to take a couple of seconds.

Where exactly is my data kept?

In a single file inside the app on your iPhone. Not in the cloud, not on a developer’s server, not in an analytics pipeline. The app has no code that uploads your expenses anywhere.

Is it really free? What is the catch?

It is free, with no in-app purchases, no subscription and no advertising. There is no premium tier holding statistics or export hostage. The catch, if you want to call it one, is that there is no bank sync and no multi-device cloud — the things that would require a server are simply not there.

How do I move to a new iPhone?

Two ways. Your records are part of your normal iCloud or computer backup, so restoring the new phone from that backup brings them along. Or, in Settings, use Save a backup, move the file across however you like, and use Restore from backup on the new device.

Can I get my data out into a spreadsheet?

Yes — Export CSV for this period in Settings produces a file with the date, category, amount, currency and note of every expense in the period, which Excel, Numbers and Google Sheets all open directly. The JSON backup contains everything, including categories and settings.

What happens if I delete a category I have been using?

It gets archived rather than destroyed. It stops appearing when you log a new expense, but every past month keeps its full breakdown and the totals still add up. You can restore it at any time from the Archived section.

My salary arrives on the 5th, not the 1st. Does that work?

Yes. Set Month starts on to any day from 1 to 28 and the entire app follows your cycle — balance, daily budget, charts, category shares, the comparison with the previous period and the CSV export.

Can I track more than one currency at once?

Not in this version. The ledger uses one currency at a time, and switching currency changes how existing amounts are displayed rather than converting them. If multi-currency matters to you, say so — it is the kind of thing that gets built when enough people ask.

Does it work with no internet connection?

Entirely. Logging, budgeting, statistics, export and backup all work in airplane mode, because none of them need a network in the first place.

What is the “Web version” switch in Settings?

In some countries the app can open the web interface of the service instead of its built-in screens. When that is available, a switch appears in Settings → Web version so you can turn it on or off yourself, and the web screen always has a button back to the app. Your expenses stay on your device either way.

How do I report a bug or ask for a feature?

Write to bluoliud@mobry-network.cyou, or leave a review on the App Store. Both are read.

Free on the App Store

Start with this month.

Set a limit, log a week of spending, and look at the chart. Most people are surprised by exactly one category — and that is the whole point.

Coming to the App Store Contact the developer

iPhone · iOS 17+ · No account · No ads · No subscriptions