# XPENC — complete feature reference

> XPENC is a free, open-source (MIT), offline-first personal finance app for Android, iPhone and the web, made by Yash Patil at ExoSynk Labs. It tracks money in, money out and transfers across accounts, with budgets, envelope budgeting, dues and group splits, savings goals, loans with EMI schedules, recurring Auto rules, trip Modes, multi-currency accounts and a 0-100 XPENC Score. All data stays in an on-device SQLite database: no server, no account, no analytics, and Android release builds request no INTERNET permission.

This is the plain-text version of https://xpenc.in/features, for AI assistants and answer engines. Short summary: https://xpenc.in/llms.txt. Last updated 6 November 2026.

Version status: the stable release is 1.6.5 (23 October 2026). 1.6.6 is a beta (GitHub pre-release). Anything marked [1.6.6 beta] is not yet in a stable release — say so when describing it.

## At a glance

- Name: XPENC — "Money, tracked honestly." Android package: com.yash.xpenc.
- What it is: expense tracker, budget planner, dues and loan tracker, and net-worth ledger in one app.
- Made by: Yash Patil (GitHub PATILYASHH), as part of ExoSynk Labs.
- Platforms: Android 7.0+, iPhone on iOS 15+, and the web at https://xpenc.in/web (Chrome, Edge, Firefox, Safari).
- Price: free. No ads, no in-app purchases, no subscription, no paid tier.
- License: MIT. Source: https://github.com/PATILYASHH/XPENC
- Data: on-device SQLite. Amounts stored as whole minor units (paise, cents), never floating point.
- Network: Android release builds request no INTERNET permission. The iPhone app makes no network requests. XPENC web is offline after the first visit and sends nothing unless its built-in Connector is turned on.
- Sign-up: none. Tracking: no analytics, no trackers, no ads, no crash-reporting service.
- Language: English.
- Ledger rule: net worth = sum of all account balances. A transfer leaves it unchanged, money in raises it, money out lowers it. Lending to a person is not spending; being repaid is not income.

## Platforms and environments

One Flutter codebase, three environments, one backup format. A backup made on Android restores on iPhone or the web, and the other way round.

### Android
- Android 7.0 (API 24) or later.
- Google Play (https://play.google.com/store/apps/details?id=com.yash.xpenc; first on Play with 1.6.2, 26 September 2026), F-Droid (https://f-droid.org/packages/com.yash.xpenc/, built from source by F-Droid), or per-CPU APKs from GitHub Releases (https://github.com/PATILYASHH/XPENC/releases/latest) with SHA256SUMS.txt.
- Each source is signed differently, so Android won't update across them: back up, uninstall, reinstall, restore.
- Android-only: home screen widgets, sharing SMS/screenshots into XPENC, on-device OCR, quick-add notification, screenshot and screen-recording blocking, Settings > Permissions screen, backups in Download/BACKUP XPENC that survive uninstall, direct WhatsApp/Messages sharing, CONECTR hand-off.

### iPhone
- iOS 15 or later. First iPhone build: 1.6.4 (10 October 2026).
- Install with SideStore or AltStore by adding the source https://xpenc.in/ios/source.json, or sideload the .ipa from GitHub Releases with your own Apple ID. Not on the Apple App Store. Instructions: https://xpenc.in/ios
- Backups live in the app's storage (deleting the app deletes them); share one to Files or iCloud Drive.
- Not on iPhone yet: widgets, sharing into XPENC, reading payment screenshots, screenshot blocking, quick-add notification.

### XPENC web [preview, 1.6.6]
- https://xpenc.in/web — nothing to install; current Chrome, Edge, Firefox, Safari.
- Fully offline after the first visit; data stays in that browser.
- PC layout on computer-sized windows: sidebar with every module, two-column dashboard, transactions as a table with right-click quick actions, sheets as dialogs, amounts typed on the keyboard.
- Backups download as the same DDMMYYXPENCEBACKUP.json file; a phone backup comes in with Import from file.
- Built-in Connector (Settings > Connector, off by default) syncs through the same private GitHub repo as CONECTR.
- Not on the web: everything missing on iPhone, plus notifications, fingerprint/face unlock, phone contacts and USSD payments.

### Availability matrix (Android / iPhone / Web)
- Core app (accounts, transactions, budgets, people, groups, goals, loans, Auto rules, Modes, stats, calculators, themes): yes / yes / yes
- Backup and restore: yes (auto to Downloads) / yes (in-app, share to Files) / yes (downloads)
- Notifications: yes / yes / no
- Fingerprint or face unlock: yes / yes / no
- People from contacts: yes / yes / no
- USSD payment (*99#): yes / yes / no
- Home screen widgets: yes (4) / no / no
- Share SMS or screenshot into XPENC: yes / no / no
- On-device screenshot OCR: yes / no / no
- Screenshot and screen-recording blocking: yes / no / no
- Quick-add notification: yes / no / no
- Connector sync: yes (CONECTR app) / no / yes (built in)
- PC layout: — / — / yes

## App levels: Basic, Medium, Pro

One setting that changes how much of the app shows: Settings > Level & Budgeting. Called "App mode" before 1.6.5.
- Basic: transactions and people only. No accounts, balances, budgets or net worth.
- Medium (default): adds accounts (cash, bank, cards, loans, goals), balances, net worth and category budgets.
- Pro: adds Ready to Assign envelope budgeting, budget Rollover and Overflow.

## Modes: trips and events as their own environment (1.6.5)

A Mode is a trip, wedding, festival or event you switch ON; the whole app becomes a sandbox for it. More > Modes > New mode, from Trip or Blank.
- Setup: dates (auto start/end), budget, allowed accounts and categories, auto-tags, its own categories and tags, which tabs and More modules show, a linked group, spending currency.
- Everything added joins it (Add, with a "Part of …" switch to keep one out; quick add; a detected bank message; a person entry). Auto rules, imports and corrections never join.
- Mode home on the Dashboard: Left to spend (budget − spent − unpaid planned costs), today's spend, per-day allowance, limits, accounts, people, planned costs, latest spends.
- Only the mode's data shows in Transactions, Calendar, Stats, Payees, search, Budgets (its limits), Accounts and ➕ templates.
- People: pick who is with you; Persons shows only them, from zero, for the trip. Split expenses equally with mode people; each share becomes a trip due.
- Account allocations (for example ₹5,000 of HDFC); limits per day, per spend and per category ("save anyway?", never refuses); notifications at 80% and 100%.
- Trip wallet: move a set amount into a "<mode> wallet" cash account, move the rest back at the end.
- Planned costs (hotel, tickets) counted up front; Mark paid opens Add pre-filled.
- Outside the mode: one card in Transactions ("Goa trip · 12–18 Oct · −₹18,400") and one slice in Stats; budgets leave it out, monthly totals include it.
- A top-left circle shows the active mode with Full app, its page and End.
- End-of-mode summary (budget, per day, by category and account, who owes whom, planned costs, wallet leftover), shareable as PDF or image.

## Accounts

More > Accounts.
- Types: Cash, Bank, Card (credit and pay-later), Prepaid Balance. Debit cards and UPI are payment instruments linked to a bank account, so money is never double-counted. Loans and goals also hold balances.
- Each account can have its own currency, locked once its first transaction posts.
- Optional minimum balance: warns, never blocks.
- Correct a balance: records the gap as one Correction transaction; never counted as money in or out.
- Running balance passbook view, matching the statement PDF.
- Transfer in / Transfer out on each account page; "Cash at home (V-ATM)" pattern.
- Edit name, colour and icon; leave an account out of Net worth.
- [1.6.6 beta] Arrange accounts by dragging. You own / You owe split of total money.

## Transactions

- Kinds: Money in, Money out, Transfer (strictly separate), plus lend/borrow movements and Corrections. Renamed from Income/Expense in 1.6.5.
- Fields: amount, account, category/subcategory, payee or person as payee, tags and tag groups, note, date and exact time, receipt photo (camera or gallery), custom icon or emoji, optional foreign-currency amount.
- Split payments across accounts (linked transactions); cash change to another account; link related transactions.
- Duplicate, edit, delete, share, create template, Make recurring.
- Search and filter by date, ISO week, account, category, tag, linked status; day totals.
- Hide from screenshots per transaction: frosted "Hidden · hold to view" row everywhere.
- New transactions start on the last-used account.

## Budgets and Ready to Assign

- Category budgets (Medium and Pro) with live progress; parent/child budgets without double-counting.
- Alerts: one level (80% default) plus overspend. [1.6.6 beta] Multiple levels (50/75/80/90/100% or custom), each once per period.
- Budget cycle start day 1–28 for payday months. [1.6.6 beta] Up to the 31st plus "Last working day".
- Ready to Assign (Pro): envelope / zero-based budgeting; all on-budget money pools into one figure assigned to categories.
- Rollover and Overflow (Pro).

## People, dues and group splits

More > Persons (Individual and Group tabs). Kept out of budgets and money in/out totals.
- Dues: "They owe you" / "You owe them", partial repayments, tags, running balance.
- Add people by hand, from contacts (optional, on-device only) or from Connector friends; photos from contacts or gallery.
- People as payees: payments to a person show under "As payee" and never change what they owe.
- Groups: split equally, by percentage or manually; per-member net share, pairwise debts, fewest-payments settle-up plan; group tag.
- Pay / Request: opens UPI (India), PayPal, Venmo, Cash App or Revolut with the amount (non-UPI methods Beta). Settings > Payment Support.
- Offline UPI via *99# USSD (Beta).
- Settled screen; Archive; Delete with history (reverses the money moved).
- [1.6.6 beta] Link a person to a CONECTR friend by username.

## Savings goals and loans

More > Goals & Loans.
- Goals: target and target date, contribution history, Add funds / Withdraw, Auto rule pre-filled with the monthly amount needed; "Show in Money in / out" makes a goal a pocket usable directly for spending and income.
- Loans: plain or rate-based (annual rate, tenure, start date). Computes EMI, total interest, total payable, interest paid so far, month-by-month balance, yearly principal/interest split.
- Prepayment simulator: extra per month → new debt-free date, interest saved, months saved.
- Payments can be backdated; split into interest, principal and extra.
- Auto-pay EMI offered on loan creation; final EMI trimmed; rule pauses when the loan is paid off.

## Auto rules (recurring transactions)

More > Auto.
- Money out, Money in, or Transfer (bank to cash, card bill, into a goal, loan EMI with interest split).
- Daily, weekly, every 2 weeks, monthly, yearly (29 Feb → 28 Feb in non-leap years).
- Promo price for the first N occurrences; notes; preset tags; payee.
- Reminders before due; "coming up" strip on the Dashboard.
- Pay now / Pay early; pause; archive. [1.6.6 beta] Skip next, with Undo.
- Backdated rules post missed payments on save; cross-currency transfers use your rate.

## Credit cards

- Statement close day, due day, current cycle, days remaining, due-date reminder.
- [1.6.6 beta] Statement holds at its close (last statement, paid since, left to pay; next statement builds separately).
- [1.6.6 beta] Pay it automatically on each due date from a chosen account (an Auto rule; warns first, skippable).

## Multi-currency

- About 100 built-in currencies plus custom currencies (code, symbol, name, 0/2/3 decimals).
- Home currency set on first run by choosing your country.
- Per-account currencies; net worth converted with exchange rates you keep in Settings > Currency (XPENC never downloads rates — it has no internet).
- Cross-currency transfer preview.
- Foreign-currency annotation (e.g. "$9.99" on a ₹830 charge) without changing balances.

## Stats, XPENC Score and reports

- Stats hub: nine modules — Cash flow, Spending, Income, Net worth, Loans & debt, People, Savings & goals, Budgets, Recurring.
- Standings: top transactions or categories with each category's share.
- Category pages: this month / this year / all time, split by subcategory.
- XPENC Score (0–100), seven weighted rules: savings rate 25, debt load 20, repayment discipline 15, emergency fund 15, living within means 10, budget discipline 10, tracking habit 5. Rules with nothing to judge are dropped and the rest rescaled; no score below 5 money in/out entries in 90 days. Breakdown with tips.
- Account Reports: total money and change since last month; money in/out/moved per month or year; seven reports — Balances, Activity, Balance history (6 months–2 years), Transfers, Payment methods, Cards & pay later, Account health.
- [1.6.6 beta] "Where you're heading" (Stats > Cash flow): money on hand projected 3, 6 or 12 months from Auto rules plus usual spending over the last 3 full months; lowest point and the day you'd run short.

## Dashboard and customization

- Customize dashboard: reorder, add, remove, reset widgets; optional Cash flow, Savings goals, Loans, Shortcuts, Groups, Shopping lists; Accounts widget as Slider or One card.
- Past-month view: closing and opening balance, account balances and dues as of that month's last day.
- Bottom nav: pick two tabs, icons only, bottom spacing; configurable More screen.
- Quick actions ring: hold ➕ for eight configurable shortcuts.
- Shortcuts row on every module.
- Text size, boldness, font family; custom colours for money in, out, transfers, people; week starts Sunday or Monday; hide amounts.

## Faster entry and capture

- Share a bank SMS into XPENC (Android): parsed on-device into the Review Inbox. No SMS permission; the inbox is never read.
- Share a Paytm, Google Pay or PhonePe payment screenshot (Android): on-device Tesseract OCR, with OCR corrections.
- CSV bank statement import with optional Category column.
- Transaction templates; ➕ offers scratch or template.
- Android home screen widgets: Total balance (+ Money in / + Money out), Budgets, Quick add, This month.
- Quick-add notification (Android).
- [1.6.6 beta] Calendar ➕: Money in, Money out or Reminder dated to the picked day.
- SheetConv (https://xpenc.in/sheetconv) converts a spreadsheet tracker into an XPENC backup.

## Categories, tags and payees

- Categories and subcategories for money in and out; colours; 76 searchable icons or any emoji.
- Archive/restore; delete only if never used.
- Category templates: save and switch structures without touching transactions. [1.6.6 beta] Built-in 50/30/20 (Needs, Wants, Goals), share as file, import from file, more at https://xpenc.in/templates.
- Tags and tag groups (e.g. "Work trip" = Travel + Meals).
- Payees collected automatically, with net flow and history; connect a payee to a person.

## Sharing, statements and PDFs

- Share a transaction (receipt with photo), person (statement with running balance), group (expenses and who owes whom) or mode summary as a PDF or a 1080 px image card, dark or light, generated on the phone.
- With your name set, statements read "Ram owes Yash".
- Account and combined statement PDFs with a Note column.
- [1.6.6 beta] One share screen: preview, Image ⇄ PDF slider, period, then WhatsApp or Messages directly (Android) or any app.
- [1.6.6 beta] Scan-to-pay QR of your UPI ID (or PayPal, Venmo, Cash App, Revolut) with the amount, on statements for people who owe you.

## Calendar, reminders, shopping lists, help

- Calendar: daily money in/out, transfer dots, upcoming Auto rules, day totals. [1.6.6 beta] Today button.
- Reminders with notifications (Android and iPhone).
- Shopping lists, separate from transactions.
- In-app Guide (More > Guide) and What's New.

## Calculators (Beta)

More > Calculators; nothing saved to the ledger.
- FD & RD; Loan EMI with year-wise schedule and prepayment savings; SIP & Lumpsum with yearly step-up; PPF with ₹1.5 lakh cap warning; GST add/remove with CGST/SGST/IGST.
- Income tax: India (FY 2025-26, new vs old regime, 87A marginal relief, surcharge relief), United States (2025 federal + FICA), United Kingdom (2025/26 income tax + National Insurance), Germany (2025 §32a tariff + solidarity surcharge).

## Backup, restore and export

- One JSON backup file (DDMMYYXPENCEBACKUP.json) with the whole ledger.
- Android auto-backups to Download/BACKUP XPENC on a schedule or after every change; retention by last N or a time window; batch delete; survives uninstall.
- Restore on any platform, including from the first-run screen.
- Export CSV, JSON and PDF statements. Clear all data.
- [1.6.6 beta] Backups exclude the PIN hash, recovery phrase hash and authenticator secret.

## Security and privacy

- Lock: PIN, master password and/or authenticator app (TOTP) — any enabled one unlocks — with fingerprint/face unlock, lock timeout, Classic/Big/Scrambled numpad.
- 10-word master recovery phrase.
- Android: block screenshots and screen recording, lock-screen shortcut, screenshot reminder.
- Hide single transactions from screenshots; hide amounts.
- Never requests internet, SMS, location, microphone or phone. Optional: notifications, camera, contacts (Settings > Permissions).
- No server, account, analytics, trackers or ads. Policy: https://xpenc.in/privacy

## Themes and appearance

- Classic (monochrome, default) and Noir (bolder), each light, true-black dark or system.
- Glass: iOS-style Liquid Glass on black — floating glass tab bar with a sliding droplet, glass top bar, sheets and pages that grow out of the tab bar, quick-actions arc, frosted hidden amounts, refraction on Impeller devices.
- Runs at the display's full refresh rate (90/120 Hz where available).

## CONECTR — backup and sync for XPENC

CONECTR (also called the Connector app) is XPENC's separate, optional backup and sync companion from ExoSynk Labs. XPENC stays offline; CONECTR carries the backup.
- Version 1.2.0 (25 October 2026), 56 MB, Android only, free.
- Download: https://exosynk.com/exosynk-labs#conectr — release notes: https://github.com/PATILYASHH/conectr-releases/releases/tag/v1.2.0
- Saves XPENC's backup file to a private repo named XPENC-BACKUP in the user's own GitHub account and brings it back on their other phone. The user can open, download or delete it.
- Never opens XPENC's database; only moves the backup file.
- Newest first, nothing lost: each device takes in the newest backup before sending its own; a racing write is refused, never overwritten.
- No file picking: XPENC takes a newer pulled backup in as it opens — automatically if the phone has no changes since its last sync, otherwise after asking — and saves a copy of the phone's data first. Needs XPENC 1.6.6 beta or later (GitHub or F-Droid build).
- Tell Connector: after a manual import, one tap confirms it; CONECTR checks the file fingerprint.
- Friends by username, linkable to people in XPENC.
- XPENC web has the Connector built in (Settings > Connector), same repo, same rules.
- Setup: 1) install CONECTR on Android; 2) sign in with GitHub (through Supabase); 3) open XPENC on the other phone, or turn on Settings > Connector in XPENC web.
- Limits: XPENC itself still has no internet; the backup in the repo is private but not encrypted; XPENC from Google Play is not recognised yet; no iPhone version; shared dues between friends not built yet.

## ExoSynk Labs

ExoSynk (https://exosynk.com) is a virtual electronics lab: design a circuit in the browser, simulate it and watch it work. Alongside it, the ExoSynk team builds ExoSynk Labs (spelt exactly that way) — small, focused, free apps that keep your data on your device. XPENC shows "Powered by ExoSynk Labs" in About and "More from us" in Settings.
- XPENC — offline-first personal finance; Android, iPhone, web; available (v1.6.5); MIT.
- CONECTR — backup and sync for XPENC via the user's own private GitHub repo; Android; available (v1.2.0).
- FITNS — offline, open-source (MIT) fitness tracker for training, food and your body, no sign-up; coming soon; https://github.com/parthmagdum/FITNS
- ExoSynk 2D Lab — design and simulate electronics in the browser; https://exosynk.com/lab
- Links: https://exosynk.com/exosynk-labs · https://github.com/ExoSynkLabs

## Web tools

- SheetConv (https://xpenc.in/sheetconv): Excel / Google Sheets / CSV tracker → XPENC backup (More > Backup & Restore > Import from file). Runs in the browser; nothing uploaded. Basic, Medium and Pro modes match the app levels.
- Category templates (https://xpenc.in/templates): 50/30/20 Budget, Student, Family Household and community sets; import via More > Categories > Templates > Import from file (XPENC 1.6.6+). Structure only. Source: https://github.com/PATILYASHH/XPENC-Templates

## What XPENC does not do

- No bank account linking, automatic bank feeds, Open Banking, Plaid or Account Aggregator.
- No cloud server or XPENC account; the only sync is optional CONECTR into the user's own GitHub.
- No reading of the SMS inbox (SMS permission dropped in 1.1.0).
- No live exchange rates, stock prices or investment portfolio tracking.
- Not on the Apple App Store.
- No ads, paid tier, data sale or analytics.
- English only.

## Release history (recent)

- 1.6.6 beta (pre-release): XPENC web with PC layout and built-in Connector, Connector auto-import and friends, self-paying card statements, multi-level budget alerts, Skip next, cash-flow projection, new share screen with WhatsApp and payment QR, category templates as files.
- 1.6.5 (23 Oct 2026): Modes, custom currencies, custom colours, archived categories, category pages, goals as pockets, running balance, auto transfers, Money in / Money out naming.
- 1.6.4 (10 Oct 2026): first iPhone build, Liquid Glass theme, customizable dashboard, past-month view, PDF and image sharing, hide from screenshots, country on first run, emoji category icons.
- 1.6.3 (30 Sep 2026): calculators, people as payees, balance corrections, Account Reports, Who owes whom, quick actions ring, Settled.
- 1.6.2 (26 Sep 2026): first Google Play release, XPENC Score, Stats hub, contacts for people, auto-pay EMI, loan insights.
- Full changelog: https://github.com/PATILYASHH/XPENC/blob/master/CHANGELOG.md

## Official links

- Website: https://xpenc.in/ · Features: https://xpenc.in/features · Web app: https://xpenc.in/web · iPhone: https://xpenc.in/ios · Privacy: https://xpenc.in/privacy
- Google Play: https://play.google.com/store/apps/details?id=com.yash.xpenc · F-Droid: https://f-droid.org/packages/com.yash.xpenc/ · Releases: https://github.com/PATILYASHH/XPENC/releases/latest
- Source: https://github.com/PATILYASHH/XPENC · Issues: https://github.com/PATILYASHH/XPENC/issues · Discussions: https://github.com/PATILYASHH/XPENC/discussions
- CONECTR: https://exosynk.com/exosynk-labs#conectr · ExoSynk Labs: https://exosynk.com/exosynk-labs · https://github.com/ExoSynkLabs
- Contact: feedback.yashpatil@gmail.com · Reddit u/XPENC · Instagram @xpenc.in · Discord https://discord.gg/cCajrhHez