An expense tracker for couples, without the bank login
Share what you choose to share. Keep a running balance, see combined spending, and never hand over banking credentials.
Most "budgeting for couples" apps want both partners to connect their bank accounts, which is a large ask for what is often a small problem: working out who covered what this month.
SpndX splits the difference. Personal spending stays in your own ledger; anything you add to a Shared Space is visible to both of you.
Shared where it helps, private where it matters
A shared ledger, not a joint account
Add the expenses you both care about to a Shared Space. Everything else stays personal.
Uneven splits
Percentage and share modes handle the common case where incomes differ and the split should too.
Combined insights
Category breakdowns, trends over time, and a spending heatmap across whatever you have shared.
No credentials exchanged
Neither partner connects a bank. Cash and UPI spending is captured too, which a bank feed would miss.
Frequently asked questions
- Can we keep some spending private?
- Yes. Personal expenses stay in your own ledger. Only what you add to a Shared Space is visible to your partner.
- Do we have to connect a joint bank account?
- No. SpndX never asks for bank credentials. You log shared costs directly, which also means it works for cash and UPI spending that a bank feed would miss.
- Can we see combined spending by category?
- Yes. SpndX reports category breakdowns, trends over time, and a spending heatmap across the expenses in a Shared Space.
Works for housemates and family too
The Shared Space model is the same whether the group is two people splitting rent, a couple tracking groceries, or a family managing a holiday budget.