
XPENC
Money, tracked honestly.
A free, open-source money manager that works completely offline. Everything lives in a private database on your phone — no server, no account, no analytics, no ads. Android builds don't even ask for internet access.
- Income, expenses, budgets, goals, loans and dues
- Budget warnings at 80% and over-budget flags
- Split bills, group expenses and dues
- Loan EMI schedules with a prepayment simulator
- XPENC Score (0–100) and spending stats
- Share a bank SMS or UPI screenshot in — read on your phone
- App lock with PIN, password, fingerprint or face
- Free forever — no ads, no in-app purchases, no subscription.
- iPhone: installs through SideStore or AltStore (see xpenc.in/ios).