Zero Friction
The UPI Speedster
Capture payments the moment they happen. Log with a scan, zero manual stress.
SpndX the free expense tracker for shared money.
Split group expenses, track multi-currency travel spending, and log UPI payments - offline, with no ads, no subscription, and no bank account link.
Offline-first tracking
Shared expense splitting
UPI QR logging
150+ currencies
Travel-first FX
Wander without worry. 150+ currencies stay in sync with your journey.
Financial Zen
Predictive insights that reveal the habits below the surface.
Unify your universe.
Your secure, offline-first expense tracker, keeping all financial data entirely private on your device.
Math made social.
The ultimate roommate bill splitter app. Split shared expenses, log rent, and settle debts in seconds.
Borderless by design.
Track multi-currency travel spending across 150+ countries. Log expenses with offline conversion rates.
Insights that inspire.
A smart budget planner that calculates your financial health score. Watch your long-term wealth grow.
What people use it for
One expense tracker, nine different problems
SpndX started as a way to split costs without a spreadsheet and grew into a general expense tracker for anyone whose money is entangled with other people's. These are the cases it is built around.
Splitting expenses with a group
Trips, dinners, and weekends away where several people paid for different things. Four split modes cover uneven orders and shared rooms, and balances are simplified into the fewest transfers that clear everyone.
Leaving Splitwise behind
No daily expense cap, no ads between you and the save button, and no subscription for core splitting. Export a Splitwise group as CSV and import it with members, expenses, and balances intact.
Tracking a trip abroad
Log spending in 150+ currencies as you go, with conversion stored per expense so the trip total stays accurate months later. Works before the local SIM does, and before the hostel wifi.
Running a shared household
Rent split by room size, utilities split evenly, groceries logged by whoever went to the shop. One person can run the whole ledger without every flatmate installing anything.
Spending across currencies
Remote work paid in one currency, spending in another, subscriptions billed abroad. Each expense keeps what you actually paid alongside its converted value at the time.
Logging UPI payments in India
Scan a vendor UPI or BharatQR code to capture the payment, with no SMS-reading permission granted to your inbox. Cash and card spending land in the same reports.
Tracking without a bank link
No Plaid, no aggregator, no banking credentials requested. Manual logging costs seconds per expense and catches the cash, reimbursements, and splits a bank feed gets wrong.
Budgeting as a couple
Shared visibility without merged accounts. Personal expenses stay in your own ledger; only what you add to a Shared Space is visible, split evenly or in proportion to income.
Using an app that works offline
The local database on your device is the source of truth, not a cache waiting on a server. Splitting, reports, and currency conversion all work in airplane mode.
Frequently Asked Questions
Everything you need to know about SpndX
Yes. SpndX has no daily transaction cap, no ads, and no paywall on search or balance history. Splitwise limits free accounts to a handful of expenses per day; SpndX does not limit expense logging at all.
Compare SpndX and Splitwise→SpndX is a free expense tracking app for iOS and Android. Built for shared spending, UPI QR logging, and multi-currency travel, SpndX works fully offline with optional cloud sync.