# XPENC

> XPENC is a free, open-source, offline-first personal finance app for Android, iPhone and the web (https://xpenc.in/web). It tracks income, expenses, transfers, budgets, savings goals, loans/EMIs, and person-to-person dues entirely in an on-device SQLite database — there is no server, no user account, no analytics, Android release builds don't even request the INTERNET permission, and the iPhone app makes no network requests.

XPENC is built and maintained by one developer, Yash Patil (GitHub: PATILYASHH), as part of ExoSynk Labs (https://exosynk.com/exosynk-labs, GitHub: https://github.com/ExoSynkLabs) — the ExoSynk team's small, offline-first apps, made alongside ExoSynk's browser-based electronics lab (https://exosynk.com). It is licensed under the MIT license. The current release is v1.6.5 (23 October 2026); v1.6.4 (10 October 2026) was the first with an iPhone version, and v1.6.2 (26 September 2026) was the first release on Google Play.

## Key facts

- Platform: Android 7.0 and later, iPhone on iOS 15 and later, and XPENC web at https://xpenc.in/web in Chrome, Edge, Firefox or Safari — the same app in a browser, laid out for a PC, offline after the first visit, with its data kept in that browser. Backups made on any of them restore on the others.
- Price: free, no ads, no in-app purchases, no subscription.
- Privacy: no server, no accounts, no analytics/trackers, no ads, no SMS permission. Release builds request no INTERNET permission at all. Camera and contacts access are optional and can be switched off in Settings > Permissions.
- License: MIT — source code is public and auditable.
- Distribution: Android — Google Play (https://play.google.com/store/apps/details?id=com.yash.xpenc), F-Droid (builds from source), direct APK download from GitHub Releases. iPhone — SideStore or AltStore, by adding the source https://xpenc.in/ios/source.json (new versions arrive there), or the .ipa from GitHub Releases (https://github.com/PATILYASHH/XPENC/releases/latest/download/xpenc-ios.ipa) sideloaded with the user's own Apple ID; not on the App Store.
- Not on iPhone yet: home screen widgets, sharing into XPENC, reading payment screenshots, and screenshot blocking. Not on the web: those, plus notifications, fingerprint unlock, contacts and USSD pay.
- CONECTR (the Connector app; available now, v1.2.0, Android, free — https://exosynk.com/exosynk-labs#conectr): XPENC's separate, optional backup & sync companion from ExoSynk Labs. It saves the backup file XPENC already makes to a private repo in the user's own GitHub account (XPENC-BACKUP), then brings it back on their other phone; it never opens XPENC's database, only moves that file. XPENC takes the pulled backup in when it opens, saving a copy of the phone's data first, and Connector friends (by username) can be linked to people in XPENC. XPENC web joins in through its built-in Connector (Settings > Connector). Sign-in is with GitHub, through Supabase; the backup in the repo is private but not encrypted. Automatic import needs XPENC 1.6.6 beta or later (GitHub or F-Droid build); XPENC from the Play Store isn't recognised yet. XPENC itself still has no internet access; only CONECTR goes online, and only if installed.

## Core features

- App levels: Basic (transactions and people only), Medium (default: adds accounts, balances, net worth, budgets) and Pro (adds Ready to Assign, budget Rollover and Overflow), in Settings > Level & Budgeting.
- Modes: a trip or event you switch ON; the whole app becomes a sandbox for it — its own budget, per-day/per-spend/per-category limits, account allocations, a trip wallet, planned costs, its people and splits — ending with a shareable summary. More > Modes.
- Accounts: Cash, Bank, Card and Prepaid Balance types with real, non-double-counted balances.
- Transactions: income, expense and transfer, kept strictly separate; tags and receipt photos supported.
- Budgets: per-category budgets with live progress and overspend alerts; an optional "Ready to Assign" layer for zero-based budgeting pooled across all accounts; a custom budget cycle start day (1-28) for payday-anchored months.
- Dues: track money lent or borrowed between people, with partial settlements, kept out of budget totals. A Group tab splits a shared expense equally, by percentage, or by manual amount, and settle-up uses a Pay/Request button that opens UPI, PayPal, Venmo, Cash App or Revolut directly.
- Goals & Loans hub: savings goals with contribution history, plus loans with interest rate and tenure — total interest, month-by-month schedule, interest/principal split per EMI, a prepayment simulator (new debt-free date, interest saved), and auto-pay EMI set up when the loan is created.
- Stats hub and XPENC Score: nine stats modules (cash flow, spending, income, net worth, loans & debt, people, savings & goals, budgets, recurring) and a 0-100 money-management score from seven weighted rules, with a breakdown and tips.
- Multi-currency: accounts in any supported currency, net worth converted to the home currency, live conversion on cross-currency transfers, and optional foreign-currency annotation on home-currency transactions.
- Credit cards: track a card's statement close day and payment due day, with the current billing cycle, days remaining, and a due-date reminder.
- Auto rules: daily, weekly, every 2 weeks, monthly or yearly recurring rules; promo price for the first N occurrences; one-off "Pay now"; rules that fund a savings goal or pay a loan EMI automatically; "Make recurring" from any transaction.
- Templates: reusable transaction templates, duplicate a transaction, saved category templates, 76 searchable icons, a custom emoji per transaction, and any emoji as a category's icon.
- Data entry automation (Android): share a bank SMS or a UPI payment screenshot (Paytm/Google Pay/PhonePe) into the app from the Android Share sheet, or import a CSV bank statement (including an optional Category column) — all parsed entirely on-device.
- Split payments: one purchase paid from more than one account posts as linked transactions.
- People: add persons or group members from the phone contacts (stored only on-device), with their contact photos.
- Sharing: share a transaction (a receipt, with its receipt photo), a person (a statement with a running balance) or a group (each expense and who owes whom) as a PDF or as a styled image card, dark or light — generated on the phone.
- Hide from screenshots: mark a transaction and it shows as a frosted "Hidden · hold to view" row everywhere it's listed, so screenshots capture only the frost; hold it to view.
- Shopping lists, calendar/reminders, a built-in Guide, and PDF statement / CSV export. On Android, automatic backups to the Downloads folder on a schedule or after every change; on iPhone, backups are kept in the app and can be shared to Files or iCloud Drive.
- Dashboard: drag to reorder, add or remove widgets (including Cash flow, Savings goals, Loans, Shortcuts, Groups and Shopping lists), and pick a past month to see it as it closed — closing and opening balances, account balances and dues as of that month's last day.
- First run: choose your country, which sets the home currency.
- Calculators (Beta): FD & RD, loan EMI, SIP & lumpsum, PPF, GST, and income tax for India, the US, the UK and Germany.
- Customization: pick which two tabs sit in the bottom nav (and hide their text labels for icon-only), toggle any account out of the dashboard's Net Worth total, and app-wide text size/boldness/font controls.
- Security: PIN, master password and/or authenticator app (any one unlocks), with fingerprint/face unlock and a choice of Classic, Big or Scrambled numpad styles, a master recovery phrase that backs up the PIN after too many wrong tries, and a per-balance "hide amounts" toggle.
- Themes: Classic, Noir and Glass. Classic and Noir come in light, true-black dark or system mode; Glass is an iOS-style Liquid Glass theme on black, with a floating glass tab bar, and sheets and pages that grow out of it.

## Pages

- [Complete feature reference](https://xpenc.in/features): every feature in detail — platforms and what each one lacks, app levels, Modes, accounts, budgets, dues, loans, Auto rules, stats, CONECTR, ExoSynk Labs, and what XPENC does not do. Plain-text copy: [llms-full.txt](https://xpenc.in/llms-full.txt).
- [Home](https://xpenc.in/): features, screenshots, and download links.
- [XPENC for iPhone](https://xpenc.in/ios): download and install instructions for the iPhone app.
- [XPENC web](https://xpenc.in/web): the app in a browser; nothing to install.
- [SheetConv](https://xpenc.in/sheetconv): converts an Excel / Google Sheets / CSV money tracker into a backup file XPENC imports (More > Backup & Restore > Import from file). Runs entirely in the browser; nothing is uploaded. Basic, Medium and Pro modes match the app's modes.
- [Category templates](https://xpenc.in/templates): ready-made category sets (50/30/20 Budget, Student, Family Household) plus ones shared by the community, each previewed category by category and downloadable as a file XPENC imports (More > Categories > Templates > Import from file, XPENC 1.6.6+). Structure only, no personal data. Source and contributions: https://github.com/PATILYASHH/XPENC-Templates
- [CONECTR](https://xpenc.in/#conectr): XPENC's backup & sync companion — what it does, how to set it up, and its limits. Download at https://exosynk.com/exosynk-labs#conectr.
- [ExoSynk Labs](https://exosynk.com/exosynk-labs): all of the ExoSynk team's apps — XPENC, CONECTR and FITNS.
- [Privacy Policy](https://xpenc.in/privacy): full data-handling policy — the short version is "nothing leaves the device."
- [GitHub repository](https://github.com/PATILYASHH/XPENC): full source code, issue tracker, and discussions.
- [Changelog](https://github.com/PATILYASHH/XPENC/blob/master/CHANGELOG.md): version history and release notes.
- [Latest release](https://github.com/PATILYASHH/XPENC/releases/latest): Android APKs, the iPhone .ipa, and SHA-256 checksums.
- [Google Play listing](https://play.google.com/store/apps/details?id=com.yash.xpenc): easiest install, automatic updates.
- [F-Droid listing](https://f-droid.org/packages/com.yash.xpenc/): builds from source.

## Support

- Email: feedback.yashpatil@gmail.com
- Bug reports and feature requests: [GitHub Issues](https://github.com/PATILYASHH/XPENC/issues/new/choose)
- Questions and open-ended discussion: [GitHub Discussions](https://github.com/PATILYASHH/XPENC/discussions)
- Security vulnerabilities: [private reporting](https://github.com/PATILYASHH/XPENC/security)
- Reddit: [u/XPENC](https://www.reddit.com/user/XPENC/)
- Instagram: [@xpenc.in](https://www.instagram.com/xpenc.in/)

## Optional

- [Contributing guide](https://github.com/PATILYASHH/XPENC/blob/master/CONTRIBUTING.md): the highest-impact contribution is an SMS parsing template for an unsupported bank.
- [Release process](https://github.com/PATILYASHH/XPENC/blob/master/docs/RELEASING.md): how tagged releases are built and verified.