Sparings

A simple, private way to track your money — manage expenses, accounts and budgets that stay on your device. No account needed, and everyday tracking works offline.

●Works offline ●No ads, no analytics ●Free to start
Get it on Google Play Download on the App Store Soon
Sparings home dashboard

Why Sparings

Everything you need to understand your money, nothing you don't.

🔒

Your data stays on your device

Your transactions, accounts and budgets are stored on your device and never sent to us. No ads, no analytics, no sign-up.

📶

Works offline

No account and no sign-up. Everyday tracking works without an internet connection; the app goes online only to check and manage Premium.

💼

Accounts & wallets

Track cash, bank and card balances separately, move money between them, and see your net worth at a glance. Accounts and transfers are added manually — Sparings never connects to your bank. Free includes up to 3 accounts.

🎯

Monthly budgets

Set an overall monthly budget and see exactly where you stand. Premium adds separate limits per category.

🔁

Scheduled payments

Set up recurring bills — daily, weekly, monthly or yearly — so nothing slips through the cracks. A Premium feature.

🔐

App lock

Optional Face ID / fingerprint lock keeps your financial data private even if someone picks up your phone.

See it in action

A quick look at the app — home dashboard, reports, budgets and more.

Sparings home dashboard screenshot Dashboard
Sparings reports screenshot Reports
Sparings monthly budget screenshot Budget
Sparings quick add transaction screenshot Quick Add
Sparings accounts and wallets screenshot Accounts
Sparings Premium screenshot Premium

Free & Premium

Sparings is free to start. Premium unlocks the rest.

FeatureFreePremium
Accounts3Unlimited
Bookmarks5Unlimited
Per-category budgets—✓
Manage categories—✓
Detailed entry mode—✓
Full reportsChart only✓
Scheduled payments—✓
Exclusive accent colors—✓

Monthly US$ 3.99 · Yearly US$ 19.99 · Lifetime US$ 34.99. Prices are shown in your own currency in Google Play and may vary by country. The Monthly plan starts with a 14-day free trial; cancel anytime in Google Play before it ends and you won't be charged. If Premium ends, nothing is deleted: items beyond the free limits stay visible and can be exported or deleted. Sparings is for adults aged 18 and over.

Help & FAQ

Answers to the most common questions about using Sparings.

How do I back up my data?
Go to Settings → Data & Backup and tap “Backup App Data (JSON)”, then choose the folder on your device where the file will be saved. To keep a copy off your phone, copy the file to Google Drive or another cloud service using your Files app. Backup files are not encrypted, so keep them somewhere safe.
What is the difference between CSV and JSON?
CSV is an Excel file for you to read and print. JSON is a code file the app uses to safely restore your exact accounts, budgets and settings. A CSV file cannot be imported back.
Why don’t Transfers show up in my Budget?
A transfer only moves money between your own wallets (for example, Bank to Cash). It is not an expense, so it never affects your monthly budget or reports.
How do multiple accounts and Net Worth work?
The free plan includes up to 3 accounts (Premium: unlimited). Add bank, cash, cards or any custom wallet and track each balance separately. You can move money between your accounts with a transfer. Sparings does not connect to your bank or cards: you add accounts, balances and transfers manually. Your Net Worth is the sum of all your account balances, shown on the Home screen.
How does the Monthly Budget work?
Set one overall monthly spending limit. With Premium you can also set separate limits per category, like Groceries or Transport. Sparings tracks your progress against each limit as you log expenses.
Can I set up recurring bills and reminders?
With Premium, Scheduled Payments let you set up a bill once and repeat it daily, weekly, monthly or yearly. It appears as an upcoming transaction in your Records when it's due; you mark it as paid when you pay it, and you'll get a reminder when you open the app on the due day. If Premium ends, existing scheduled payments stay visible and can be deleted, but you can't add new ones or mark them as paid.
Is my data protected with a PIN or biometric lock?
Yes. You can enable App Lock in Settings to require Face ID, fingerprint, or your device passcode before Sparings opens, on top of your device’s own lock screen.
Does Sparings support multiple currencies and languages?
Yes. Choose from over 150 currencies and 15 languages, including full right-to-left support for Arabic and Urdu, from Settings at any time.
Do I need an internet connection to use the app?
Almost everything works offline. The app uses the internet only to check your Premium status, to buy or restore Premium, and to open links. Your financial data is never sent.
What happens to my data if I uninstall the app or switch phones?
Your data is stored on your device. If you uninstall the app or switch phones it may be lost. Android might restore it from your Google account backup if device backup is on, but don't rely on that. Create a JSON backup regularly (Settings → Data & Backup) so you can restore everything on a new device.