SpendSplit

2026MobilePersonal finance app · v1.3.0

Offline-only expense tracker that splits one bank balance into Available and Savings, with a biometric lock and a separate USD tracker

Source code

What it is

A minimalist expense tracker for iOS and Android with no cloud, no accounts and no sync. All data lives on the device in SQLite, and sensitive settings stay in the platform keystore.

Every figure is derived from the entries and never stored, so the ledger is always the source of truth. Bank SMS alerts become entries flagged for review: Android reads them directly, and iOS takes them through a Shortcuts automation.

Screens

What it does

Split balance: Available and Savings, derived from entries and never stored
Monthly budget with a pace marker and per-category budgets
Graphs: running spend, 12-month income overlay, daily heatmap and balance trend
Savings goals with a completion forecast from your saving pace
Separate USD ledger with an annual allowance and year-end projection
Bank SMS import, flagged for review, with a balance check on Home
CSV and PDF export, CSV import, and a full JSON backup
Biometric lock, with balances hidden in the app switcher

Built with

Flutter
Riverpod
Drift (SQLite)
GoRouter
fl_chart