Offline-first personal finance for Android.

Income, expenses, transfers, budgets and dues — all on-device. Nothing is ever uploaded.

🌐 Website · ⬇️ Download APK · 🐛 Report a bug · ✨ Request a feature · 🏦 Add your bank

              

Net worth = the sum of all account balances. A transfer leaves it unchanged, income raises it, expense lowers it — enforced everywhere, so the ledger never lies to you. Amounts are integer paise, never floats. Full design rationale: structure.md.

Highlights

• 💳 Honest accounts — Cash / Bank / Card / Prepaid, with debit cards & UPI as linked instruments so rupees are never double-counted
• 🎯 Budgets & Envelope Mode — per-category caps, live progress, 80%/overspend alerts, opt-in "every rupee has a job"
• 🐷 Goals & Loans, 🛍️ Shopping lists, 📅 Calendar & reminders, 🔒 PIN + biometric lock
• 📩 Share it in — bank SMS or a payment screenshot, parsed on-device (no READ_SMS, no network)
• 👥 Persons — dues/loans with running balances, group splits, UPI Pay/Request
• 📊 Insights — pie/trend charts, per-account reports, downloadable PDF
• 💾 Backup & export — JSON backup + Tally-ready CSV, with auto-backup and retention
• 🎨 Seven themes, 📱 home screen widget, ➕ customizable bottom nav

Full feature list and every decision behind it: structure.md · CHANGELOG.md

Download

F-Droid is recommended — auto-updates, and the app is built from this source by F-Droid itself.

Or grab an APK from Releases (arm64-v8a for most phones since ~2017). Every release ships SHA256SUMS.txt.

Switching source (F-Droid ↔ direct APK)? They're signed differently, so Android won't update across them — Backup → export JSON, uninstall, reinstall, restore.

Privacy

Everything lives in the app's private on-device SQLite database. No SMS permission, no server, no analytics. PRIVACY.md · xpenc.in/privacy · SECURITY.md

Contributing

Contributions are welcome — the highest-impact one is adding an SMS template for your bank.

📖 CONTRIBUTING.md (setup & PR checklist) · 🤝 CODE_OF_CONDUCT.md · 📦 docs/RELEASING.md

Sponsor

XPENC is free, open source, and has no ads, trackers or paid tier.

Can't sponsor? A ⭐, a bug report, or a bank SMS template helps just as much.

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MIT © 2026 Yash Patil — GitHub @PATILYASHH · LinkedIn in/patilyasshh

_{If XPENC keeps your money honest, a ⭐ keeps the project alive.}