Smart Expenses
ESENFR
Install free on Android

Android app + free calculators

See how much money you really have left

Log expenses and income in seconds, then review your balance without connecting bank accounts, sharing passwords, or creating an account.

Install free on Android Calculate what I can spend today
  • Your movements stay on your device.
  • No bank connection.
  • No ads.
  • Start with your first expense in under a minute.

You do not need perfect tracking. You need enough clarity to stop wondering where the money went.

Smart Expenses expense entry screen

Free personal finance calculators

Answer practical money questions before spending: today’s limit, a biweekly plan, emergency savings, and more.

How much can I spend today without running short? Calculate a realistic daily spending limit until your next payday after setting aside bills, fixed costs, and savings. Build a biweekly budget that lasts until the next paycheck Split a biweekly paycheck between bills, savings, and daily spending without connecting a bank. Split your income with the 50/30/20 rule Split income between needs, wants, savings, and debt repayment using the 50/30/20 rule. See how much repeated small purchases really cost Calculate the monthly and yearly cost of repeated small purchases such as coffee, snacks, apps, or rides. How much do you need in an emergency fund? Calculate an emergency fund target and how many months it could take with your current contribution.

Guides for tracking income and expenses

Clear methods, numeric examples, and realistic limits for managing spending without bank access.

How to track expenses without connecting your bank A manual tracker works well when you want privacy, simple categories, and a daily review without sharing bank access. How to track income and expenses without a heavy spreadsheet The goal is not perfect logging. It is to see whether the month is moving with margin, pressure, or risk. How to know how much you can spend per day Subtract commitments before dividing. The daily number then reflects reality, not just account balance.

Free and Premium

FeatureGratisPremium
LoggingExpenses and incomeIncluded
Balance and historyCurrent balance and historyMore periods and context
ReportsBasic trendsMonthly close, comparisons, and rising categories

Current price and availability are shown in Google Play.

Private, educational, and transparent

By Antonio Ibarra, software engineer and creator of Smart Expenses. Educational tools. They do not replace financial, tax, accounting, or legal advice.

About Smart ExpensesSmart Expenses was created by Antonio Ibarra, a software engineer, to track expenses and income without depending on a bank connection.Calculator methodologyThe calculators use explicit arithmetic and visible assumptions. Results are educational planning references, not personalized recommendations.Editorial policyContent is written to solve concrete tasks: calculate, organize, compare, and review spending habits.

Smart Expenses

Use iPhone?

Smart Expenses is currently available for Android. Check updates for future platforms without leaving personal data on this site.

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Install free on Android

Install Smart Expenses to log daily expenses, review balances, and use reminders without connecting a bank account.

Install free on Android
Install free on Android