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Mobile appPersonal finance

Spendora

Android-first personal finance app: track income, expenses, budgets and savings, even offline.

Spendora mobile app, built by Usmani Labs: Spendora home screen showing remaining balance, spent today, quick add and recent activity
Spendora insights screen with daily spending chart and month-over-month comparison
Spendora profile screen with all-time summary, category budgets and app lock
Spendora PIN lock screen protecting financial data

The problem

Most money apps either pre-fill fake data, need a constant connection, or bury a simple question, "where did my money go?", under ads and bank-linking. People skip logging an expense the moment it gets slow or the signal drops.

What we built

A fast, calm expense tracker where every account starts empty and every change is saved on the phone first, then synced. Multiple income sources, category budgets, recurring bills, savings goals, shared group expenses and plain-language monthly insights, all behind an optional PIN or fingerprint lock.

The result

A production-grade mobile app with an offline outbox that never loses or duplicates an entry, exact-to-the-paisa money maths, and a 100-test API suite covering calculations, sync and data isolation.

Best features

  • Works with no signal

    Add, edit and delete expenses anywhere. Changes save on the phone first and sync automatically when you're back online, with a slim banner that only speaks when there's something to say.

  • Know your month at a glance

    The home screen answers one question: how much is left? Remaining balance, percent of income spent, today's spending, daily average and one-tap Quick add for your most frequent expenses.

  • Multiple income sources

    Salary, freelance, business or bonus. Every expense can be paid from a named source, so you always see what's left per source. Recurring income comes back pre-filled each month, added only when you confirm.

  • Budgets that warn you early

    Set a monthly limit per category. Bars turn amber at 80% and red when over, and alerts surface on the home screen before the month gets away.

  • Shared expenses, settled fairly

    Create groups with other users or split quickly with people who aren't on the app. Equal splits are exact to the paisa, opposite debts cancel out, and repayments are never counted as income or spending.

  • Savings goals and recurring bills

    Progress rings, a per-month target to hit your date, and recurring schedules for rent, internet and subscriptions that you record or skip when due.

  • Insights in plain language

    Daily spending chart, this month versus last, a category breakdown, a six-month trend and highlights like "You've kept 96% of this month's income so far."

  • Private by default

    Optional PIN or fingerprint lock with a lock screen that shows no money details, rate-limited sign-in and a CSV export of your data any time.

How we handled the hard parts

Offline sync that never duplicates
Every change goes into a local outbox with a phone-generated unique ID, so a retry after a dropped connection is recognised and never creates a second record. Changes the server can't accept are listed with the reason instead of vanishing.
Money maths you can trust
All totals are calculated on the server in exact decimal arithmetic, never floating point, and every division is guarded so an empty month shows zero rather than an error.
Fast search at scale
Full-history search with filters pages through results with cursor pagination and database indexes, so the thousandth result loads as quickly as the first.
Your data stays yours
Every request is filtered to the signed-in user and tested for isolation. Group members only ever see the group's own expenses, never anyone's personal finances.

Stack

React NativeExpoTypeScriptDjango RESTPostgreSQLSQLite

Frequently asked questions

Does Spendora work without internet?

Yes. Adding, editing and deleting expenses works offline and syncs automatically once the connection returns, with no duplicates.

Can I split expenses with friends?

Yes. Create a group with other users or run a quick split with people who aren't on the app. Balances net out and partial payments are supported.

Is my financial data private?

Every account is isolated on the server, the app can be locked with a PIN or fingerprint, and group members never see your personal spending or income.

Can Usmani Labs build a custom mobile app like this?

Yes. We design and build Android and iOS apps with React Native, backed by a secure API, at a fixed price.

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