Fincend: Expense Tracker

Most expense trackers want an account, a bank connection, and a subscription before they do anything useful. Fincend wants none of that. Open it, tap plus, log the expense — under three seconds. Monthly budgets, category reports, and a heat map that makes no-spend days visible. Offline and private. Free to use, with an optional subscription to remove ads. iOS and Android, 7 languages.