XPENC
Honest numbers. Most expense apps blur where money sits with what it was for. XPENC keeps them apart and enforces one rule everywhere: net worth equals the sum of your account balances. A transfer between your own accounts leaves it unchanged, income raises it, expense lowers it.
- Accounts — Cash, Bank and Card with real balances. Debit cards and UPI are linked instruments that spend their bank's money, so a payment is never counted twice. Credit cards carry their own balance.
- Income, Expense, Transfer — three transaction types kept strictly apart. Transfers never pollute budgets or reports.
- Budgets — per-category budgets with period windows, live progress, and alerts at 80% and on overspend.
- Dues and loans — track what people owe you and what you owe them, with partial settlements and running balances. Lending is not spending, so dues stay out of your budgets.
- Calendar — a day-wise money-in / money-out grid, plus EMI and bill reminders that post nothing until you confirm them.
- Insights — category breakdown, income vs expense, net-worth trend and per-account reports.
- Backup and export — one-tap JSON backup and restore, plus CSV export shaped for accountants.
- True-black design — a clean, monochrome Material 3 interface that is easy on AMOLED screens and on the eyes.
Private by architecture. Fully offline, no sign-up, no cloud, no analytics, no trackers, no ads. The only runtime permission is notifications, used for the budget alerts and reminders you set. Backups are files you create and keep — you decide where they go.
Accurate by design. All money math is done in whole paise, never floating point, so totals are always exact.
XPENC is free software under the MIT license.
- Author: Yash Patil
- License: MIT License
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Versions
Although APK downloads are available below to give you the choice, you should be aware that by installing that way you will not receive update notifications and it's a less secure way to download. We recommend that you install the F-Droid client and use that.
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x86_64This version requires Android 7.0 or newer.
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Download APK 23 MiB PGP Signature | Build Log
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arm64-v8aThis version requires Android 7.0 or newer.
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Download APK 21 MiB PGP Signature | Build Log
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armeabi-v7aThis version requires Android 7.0 or newer.
It is built and signed by F-Droid, and guaranteed to correspond to this source tarball.
Download APK 19 MiB PGP Signature | Build Log
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x86_64This version requires Android 7.0 or newer.
It is built and signed by F-Droid, and guaranteed to correspond to this source tarball.
Download APK 22 MiB PGP Signature | Build Log
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arm64-v8aThis version requires Android 7.0 or newer.
It is built and signed by F-Droid, and guaranteed to correspond to this source tarball.
Download APK 21 MiB PGP Signature | Build Log
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armeabi-v7aThis version requires Android 7.0 or newer.
It is built and signed by F-Droid, and guaranteed to correspond to this source tarball.
Download APK 19 MiB PGP Signature | Build Log
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x86_64This version requires Android 7.0 or newer.
It is built and signed by F-Droid, and guaranteed to correspond to this source tarball.
Download APK 22 MiB PGP Signature | Build Log
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arm64-v8aThis version requires Android 7.0 or newer.
It is built and signed by F-Droid, and guaranteed to correspond to this source tarball.
Download APK 21 MiB PGP Signature | Build Log
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armeabi-v7aThis version requires Android 7.0 or newer.
It is built and signed by F-Droid, and guaranteed to correspond to this source tarball.
Download APK 18 MiB PGP Signature | Build Log