spendo.
Offline-first personal finance.
Less wondering where it went.
More deciding where it goes.
Spending, savings, and everything in between.
Bring your money into focus with Spendo.
LESS TYPING. MORE LIVING.
Scan with your camera, choose a saved image, or share a PDF with Spendo.
Spendo looks for the total, merchant, and category.
Check the details and change anything before saving.
A receipt becomes a transaction. Choose a plan with room for your monthly scans.
The total. The store. The little details.
Scan a receipt, review what’s found, and save your transaction.
You stay in control. Review before saving.
Receipt recognition runs on your phone. Original images and PDFs stay off the cloud.
Remembered categories, names, and notes help with matching receipts. A clear total correction teaches Spendo where to look next time.
Learning stays on your device. Plus and Gold also back it up with your settings.
DEBT, MADE CLEAR.
Add a loan or debt to track payments, see your progress, and explore a faster payoff.
How much of the borrowed money you still owe today, excluding future interest. Borrowed 10,000 and repaid 3,000? Enter 7,000.
The interest included in this payment, as shown on your statement. If you paid 500 with 100 interest, your debt drops by 400.
Progress reflects principal repaid, including repayments made before tracking. Interest is shown separately.
Explore payoff strategies
Pay minimums on every debt, then target the smallest remaining balance. Roll cleared payments into the next debt.
Pay minimums on every debt, then target the highest interest rate. Roll cleared payments into the next debt.
Compare payoff dates and interest with an extra monthly payment. These are projections, not automatic payments.
SHORTCUTS & WIDGETS
Keep your favorite actions close. Jump into a new expense, scan a receipt, or check your spending.
Open a new transaction straight from a category on your home screen.
Capture a receipt or jump to your calendar, accounts, and recurring transactions.
See your money tree and totals, or add income and expenses from the widget.
A shorter path to a good habit.
SYNC & BACKUP
Track offline, sync when connected, and bring your backed-up transactions to your next phone.
Add expenses and view your saved transactions without an internet connection. Your personal transactions are stored on your device.
Plus and Gold sync your transactions and settings to the cloud when you are online, within your plan allowance.
With Plus or Gold, back up online and restore your backed-up transactions when you move to a new device.
Import transactions from CSV files or export them for use in a spreadsheet. File transfers are separate from cloud backup.
FOR THE LIFE YOU SHARE.
The weekly groceries. A family dinner. The bills that keep everything running.
Bring shared spending together, so everyone can see what’s spent and what’s still available.
One Gold subscription covers your household. Invited members do not need their own paid plan.
Add household expenses and see the budget update.
Personal transactions stay separate from household spending.
A little teamwork.
A shared picture.
GroceriesAlex · For the week ahead
−$64InternetSam · Keeping us connected
−$45Family dinnerJamie · Friday night in
−$28Example household
Your finances, with a little more life.
MEET YOUR MONEY TREE.
A living snapshot of your cash flow. Your finance tree changes with what comes in and what goes out, making the bigger picture a little easier to see.
Income grows new leaves.See your tree fill out as money comes in.
Expenses change the canopy.Everyday spending is part of the picture, too.
Filter transactions by date, account, category, and type.
Review a period, print a report, or export selected transactions.
Set monthly and category budgets. See what is spent and what remains.
Organize cash and bank accounts with separate balances.
Move money between accounts without counting it as income or spending.
Show, hide, and reorder Home sections to suit your routine.
A LITTLE MORE YOU.
Same clarity. A look that feels like you.
Lavender. Fresh. Expressive. A little different.
All 5 premium themes · Gold
ROOM FOR WHAT’S NEXT.
Start free. Choose more as you need it.
Build your everyday money habits.
A clear picture starts here.
MORE ROOM TO GROWYour money, backed up.
A little more possibility.
THE FULL PICTUREYour household. Every premium option.
Make it unmistakably yours.
One Gold subscription covers your household. Invited members do not need their own paid plan. Shared monthly allowances belong to the household. Personal cloud backups require your own paid plan.
| All plan features | Free | Plus | Gold |
|---|---|---|---|
| Personal transactions / month | 300 | 500 | 3,000 |
| Receipt scans / month / device | 60 | 300 | 1,000 |
| Personal cloud backups / month | Not included | 500 | 3,000 |
| Active accounts | 2 | 5 | 20 |
| Active categories | 20 | 40 | 100 |
| Currencies | 2 | 5 | 20 |
| Active recurring schedules | 2 | 20 | 60 |
| Active savings goals | 2 | 10 | 30 |
| Active debts | 2 | 15 | 50 |
| Category shortcuts | 2 | 10 | 30 |
| Create a household | Not included | Not included | 1 |
| Members, including owner | Join for free | Join for free | 10 |
| Shared transactions / month | Owner’s allowance | Owner’s allowance | 2,000 |
| Premium themes | Not included | Not included | 5 |
| Privacy lock | Not included | Included | Included |
| Home customization | Not included | Included | Included |
| Search, reports, CSV and PDF | Included | Included | Included |
Free recurring reminders stay on your device and ask you to confirm each transaction. Plus and Gold include cloud processing and optional automatic recording. Enable notifications and open the app periodically to keep local reminders scheduled.
Monthly personal allowance: Free 300 per device; Plus 500 and Gold 3,000 shared across devices, including cloud backup. Imports and both sides of a transfer count. Edits, downloads and restores do not count again. Deletion does not refund usage. Offline usage is reconciled when connected; excess records stay on the device until next month’s backup allowance.
Monthly receipt scans: Free 60, Plus 300, Gold 1,000 per device. Canceled selections and failed recognition do not count. Saving a scanned transaction uses the personal transaction allowance.
Gold includes one household, 10 members including the owner, and 2,000 shared transactions/month. Invited members can use Free. Existing households retain Plus access with 3 members and 300 transactions/month. Personal backups are separate. Expired owner access pauses new transactions and joins.
Gold. Your household. Every premium option.
Find your plan in Spendo Open Spendo to view local prices, choose a plan, and manage your subscription.YOUR NEXT CHAPTER STARTS HERE.
A little less guesswork. A little more Spendo.
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A LITTLE MORE CLARITY.
Find a quick answer, then get back to your day.
34 matching questions
Keep income, expenses, accounts, and budgets together. Category breakdowns and reports show where money goes, while goals and debt tracking help you plan your next steps.
Set a monthly budget and limits for categories such as groceries or eating out. Spendo shows what you have spent and what remains, helping you spot where to cut back before the month ends.
Yes. Keep separate accounts for cash, cards, or savings. Use a transfer when moving money between them so it is not counted as income or spending. Spendo records the move; it does not move money through your bank.
Free includes 2 local recurring schedules. A notification asks you to confirm before saving on this device. Plus and Gold add cloud processing and automatic recording. Spendo records transactions; it does not pay bills or collect money.
Create a savings goal with a name and target amount, then follow your progress and milestones. It gives your saving a clear purpose, whether you are planning a holiday, a purchase, or an emergency fund.
Add your debts and record repayments to see what is left. Compare repayment plans and explore how an extra monthly payment could change your payoff date and interest. These are estimates; Spendo does not make payments for you.
Yes. Add personal transactions and view saved data offline. Personal cloud backup needs Plus or Gold and a connection. Saving or deleting shared household transactions requires internet access.
When your changes are saved online, your other devices can catch up too. Open Spendo with an internet connection to see the latest transactions. Updates may take a little time.
Check your connection, signed-in account, plan, and monthly allowance in Sync Center. Pending personal transactions stay on this device until backup succeeds. Check sync status before uninstalling or changing devices.
Personal deletions first enter Pending deletions in Search. You can undo before deletion sync starts. After synchronization begins, undo is unavailable and other devices remove the transaction when they catch up.
Its author or the household owner can delete it online, including several selected transactions. Deletion updates the shared budget for everyone. Household deletions do not have a pending-undo period.
No. Once the deletion is saved online, your other devices remove the transaction when they next connect and update. An offline device may still show it until then.
Gold includes one household, 10 members including the owner, and 2,000 shared transactions/month. Invited members can use Free. Existing households retain Plus access with 3 members and 300 transactions/month. Personal backups are separate. Expired owner access pauses new transactions and joins.
Scan a receipt image or supported PDF to prepare a transaction, then review the date, amount, and category before saving. Recognition currently focuses on Latin text, and unclear receipts may need corrections.
Use CSV import and export for spreadsheets, and PDF reports for sharing. Review import formats and row errors. Imported copies receive new record IDs; exporting a file is separate from cloud backup.
Tap Add recurring transaction in setup, then choose from the categories you selected. Set the amount and schedule. Free includes 2 local schedules with confirmation reminders.
Yes. Search for an existing profile or type a new name when adding a category. You do not have to pick a suggestion.
Your existing backup is kept. The recovery offered after sign-in can download settings and transactions together once for that sign-in. New personal backups need Plus or Gold. Settings recovery requires an app version that supports it.
Yes for Plus and Gold: 500 and 3,000 personal transactions per month respectively, including backup. Free allows 300 per device. Imports count, and a transfer uses two records. Downloads do not count again.
Transactions waiting for backup stay on this device. They can upload after the monthly allowance resets while your paid plan is active. Keep the local data until backup finishes.
Spendo limits unusually large or frequent deletion requests to protect the service. Pending personal deletions stay queued for retry. If asked to wait, try again later; do not clear the local data.
Separate transactions with different exported IDs are kept, even if their details match. Rows without IDs are also kept. Importing a file without IDs again can create duplicates, so review it first.
Yes. Household reports start with this month and load the dates you choose. Select All Time when you need the full history; a larger report may take longer to load.
Plus and Gold include a privacy lock using your device authentication. The lock is set on this device and is not copied from another phone when restoring settings.
Free includes 60 scans, Plus 300, and Gold 1,000 per device each month. Saving a scanned transaction also uses your personal transaction allowance.
Monthly allowances renew on the first day of each calendar month at 00:00 UTC. Sync Center shows the next reset date for cloud usage.
Editing an existing transaction does not count as creating another one. Deleting a transaction does not return the monthly allowance already used.
Joining a household does not share your personal transaction history. Members see transactions saved to that household; your personal backup stays separate.
Existing shared transactions remain readable. New shared transactions and joins pause until the owner has an eligible plan again.
Yes, within your plan’s currency limit. Add the currencies and exchange rates you need in Settings. Review rates before relying on converted totals.
Spendo supports English, Arabic, German, Spanish, French, Hindi, Portuguese, and Chinese. Change the app language in Settings.
Plus and Gold include Home customization. Arrange or hide supported sections to keep the information you use most close at hand.
Gold includes all five premium themes. Choose a look you like in the app’s appearance settings.
Manage or cancel your subscription in the store where you purchased it. Uninstalling Spendo or deleting your Spendo account does not cancel the store subscription.
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Features can vary by app version. Keep Spendo updated.
