Offline-first personal finance for Android. Income, expenses, budgets, goals, loans and dues — everything lives in a database on your phone. No server. No sign-up. No ads.
Net worth = the sum of your account balances. Transfers leave it unchanged, income raises it, expense lowers it. Everything else follows.
Share a bank SMS, or a Paytm/Google Pay/PhonePe payment screenshot, straight from your bank app — read entirely on-device (no READ_SMS permission, no network call), parsed and dropped into your Review Inbox to confirm.
Turn it on and every rupee gets a job: all your accounts pool into one Ready to Assign figure, and you fund each category before you spend it — with a funded / underfunded / overspent signal on every budget.
Per-category budgets with period windows, live progress, and alerts at 80% and on overspend. A subcategory's cap can never exceed its parent's.
Who owes what, partial settlements, running balances — plus a Group tab to split a shared expense equally, by percentage or by manual amount, and settle up with a Pay/Request button that opens UPI, PayPal, Venmo, Cash App or Revolut directly. Lending is not spending — dues stay out of your budgets.
An optional 4, 5 or 6-digit PIN gates the app on open, with fingerprint or face unlock on top — plus a Big or Scrambled numpad style so a shoulder-surfer can't learn your PIN from the shape of your taps. Your ledger stays yours even if your phone doesn't.
Save toward a target with running progress, or track a loan with its real interest rate and tenure — total interest, a month-by-month schedule, and an interest/principal split on every EMI. Set up auto-pay right when you add the loan.
True-black AMOLED dark, a violet "Colourful", a navy "Midnight", a near-black "Bold" with a coral & gold accent — and Cove, a One UI 9–inspired look with an ocean-blue accent and bigger, softer rounded cards.
Auto-backups land in your Downloads folder — on a schedule or after every change — so they survive an uninstall. Plus PDF statements and CSV export for accountants and Tally.
A 0–100 money-management score built from seven rules — savings rate, debt load, repayments, emergency fund and more — with a breakdown and tips. Stats is now nine modules: cash flow, spending, income, net worth, loans, people, goals, budgets and recurring.
Open an account in any currency. Balances and statements stay in that currency, net worth converts to your home currency, and transfers between currencies show a live conversion.
Pay a little extra each month and see the new debt-free date, the interest you save and the months you cut — before you commit a rupee.
Cash, Bank, Card & Prepaid balance — a payment is never counted twice.
Three types kept strictly apart. Transfers never pollute budgets or reports.
Day-wise money-in/out grid, plus EMI and bill reminders that post nothing until you confirm.
Category breakdown down to subcategories, ranked top transactions and categories, income vs expense and net-worth trend.
Bank statement columns auto-detected, with a mapping screen to check before import.
One purchase paid from more than one account posts as linked transactions.
Post an expense or income straight from a notification reply — no need to open the app.
Choose which two tabs sit next to the + button — Persons, Calendar, Budgets, Accounts, Stats or Payees — and optionally hide the text labels for an icon-only bar.
App-wide controls for text size, boldness and font family — bundled fonts included, no download needed.
Flip any account out of the Net Worth total per-account — a goal you're tracking separately doesn't have to inflate it.
Set a card's statement close day and payment due day to see the current billing cycle, days left and a reminder before it's due.
Daily to yearly schedules, promo pricing for the first N occurrences, "Pay now" for an early bill — and rules that fund a goal or pay a loan's EMI on their own. Turn any transaction into one with "Make recurring".
Save a transaction as a reusable template, duplicate one with a long-press, and save or switch whole category sets — with 76 searchable icons or your own emoji.
Add a person or group member straight from your contacts — name, number and photo, stored only on your phone. Share any person's or group's ledger as a PDF.
Start your budget "month" on any day from 1 to 28, so a 15th-to-14th salary cycle doesn't reset mid-paycheck. Filter transactions by ISO week, too.
Set a minimum balance and get a warning before a payment dips below it, correct an opening balance in place, and pay without internet via *99# UPI (Beta).
Settings › Permissions shows every permission with a switch — notifications, camera and contacts are all optional — plus what XPENC never asks for.
More › Guide explains every module and where to find it, and first run offers a short, skippable tour for newcomers.
Turn on PIN, master password and/or an authenticator app — any one unlocks. A 10-word recovery phrase, generated on-device, means you're never locked out.
Most "free" finance apps make money from your data. XPENC has nowhere to send it — there's no server on the other end.
| Category | XPENC | Most free finance apps |
|---|---|---|
| Works with no internet | Always | Usually needs a connection |
| Account / sign-up | None, ever | Email or phone required |
| Ads | Never | Common on the free tier |
| Analytics & trackers | None | Standard, often bundled |
| Source code | 100% open, MIT | Closed |
| Reading bank SMS | On-device via Share, no READ_SMS | Often needs background SMS access |
| Where your data lives | Only on your phone | Synced to the vendor's servers |
| Price | Free, forever | Free tier + paid upgrade |
Dashboard, transactions, budgets, accounts and calendar — the whole app, running entirely offline on your phone.
Release builds don't request the INTERNET permission, so transmitting your data is technically impossible — not a promise, a property. Verify it yourself: the code is open.
XPENC is now live on Google Play — the easiest way to install and get automatic updates. Prefer to skip Google? F-Droid, a direct APK and the OpenAPK mirror are all free, and every build comes from the same open-source code. Hover an icon for details.
Scan to open the download page directly, open XPENC on Google Play, or grab any build from GitHub Releases.
Every GitHub release ships SHA256SUMS.txt — verify your download.
The release process
is fully automated from a version tag.
Every release ships from a public changelog — no vague "various improvements." Here's what shipped recently; the full history is one click away.
XPENC lands on Google Play. The new XPENC Score rates your money habits from 0 to 100, and Stats becomes a hub of nine modules. Loans get insights and a prepayment simulator, and can set up auto-pay EMI the moment you add them. Pick people and group members from your contacts, control every permission from Settings › Permissions, jump months from the dashboard, and add lock-screen shortcuts.
Rate-based loans — interest rate, tenure, total interest and a real interest/principal split on every payment. Yearly Auto rules, a per-account minimum balance warning, backdated loan payments, and a built-in Guide explaining every module.
Multi-currency accounts, Ready to Assign pooled across every account, transaction and category templates, 76 searchable icons, a payday-anchored budget cycle, Auto rules that fund goals and pay loans, event-triggered backups, *99# offline UPI (Beta), and a guided first-run tour.
Pay/Request via PayPal, Venmo, Cash App or Revolut, a credit card due-date tracker, promo pricing and "Pay now" for Auto rules, Big and Scrambled lock-screen numpads, and a This Month widget.
XPENC is built and maintained by one person. Pick whichever channel suits you — bugs and feature requests are best on GitHub so nothing gets lost, but email and Discord reach me directly.
Account trouble, a backup that won't restore, a feature idea, or something you'd rather not post publicly — write to me directly.
Something broken, a wrong number, a missing bank template? File an issue — there are ready-made templates for bug reports, features and bank support.
Not sure it's a bug? Want to argue about how budgets should behave, or share how you use XPENC? Discussions is the place for open-ended talk.
Join the XPENC Discord server for quick back-and-forth, updates and community chat.
Follow u/XPENC for updates, or drop a comment with tips, screenshots and feature ideas.
New releases, feature previews and quick how-tos, posted as @xpenc.in.
Liked XPENC? Leave a public review on our testimonial page — it helps other people trust the app before installing it.
Include your Android version, XPENC version (Settings → About) and the exact steps. A screenshot helps more than a paragraph.
Never send me your backup file unless I ask — and even then, it's your call. I can debug from steps alone.
One maintainer, so usually a day or two. GitHub gets checked most often.
The short answers. Everything here is also covered in more detail in the sections above or the privacy policy.
Yes. XPENC is free and open source under the MIT license — no ads, no in-app purchases, no subscription, ever.
No. Release builds of the app don't request the INTERNET permission, so it's technically incapable of sending your data anywhere. (This website itself loads a font and a version badge online, but the Android app never does.)
Your accounts, transactions, budgets and dues live in a private SQLite database on your phone only. There's no server, no user accounts, no analytics and no trackers — and since the app is open source, every claim here can be verified by reading the code.
Yes, three ways: share a bank SMS or a UPI payment screenshot (Paytm, Google Pay, PhonePe) into XPENC from the Share sheet, or import a CSV bank statement from Download Data. All three are read and parsed entirely on-device.
Yes — per-category budgets with live progress and overspend alerts, an optional Ready to Assign layer for zero-based budgeting, loans with interest, EMI schedules and a prepayment simulator, and separate dues tracking for money you lend or borrow, kept out of your budgets.
Google Play is the easiest — it installs and updates automatically. F-Droid builds straight from source, and there's also a direct APK from GitHub Releases and the OpenAPK mirror. All of them are free and built from the same code.
XPENC is MIT-licensed. The highest-impact contribution is an SMS template for your bank — config and regex, no app internals needed.
