Offline first, account optional
Many money apps ask for an email, a password and a bank login before you can type a single expense. SpendWe asks for none of these. The app is fully usable with no account: you add expenses, set budgets, manage categories and read your charts on the phone itself, in a plane, in a basement shop or abroad without data.
Your financial entries stay on your phone unless you turn on backup or household sharing. The app may still request configuration updates and send crash diagnostics; there are no usage analytics in the app and no ad trackers. The Privacy Policy lists what is sent and when.
What works without a connection
Everything in the everyday ledger: adding and editing expenses and incomes, categories, budgets and the history. Receipt text recognition also runs on the phone, so a scan works offline, and a foreign-currency receipt is converted with the last exchange rates SpendWe saved.
A few things need the network by nature: backing up, restoring on a new phone, syncing with a partner, and the AI features, which only run when Use AI is switched on. If you use backup or sharing, SpendWe keeps your offline changes and sends them when you are back online.
Turning on backup, when you want it
Signing in is the choice to use the cloud, and it is free. There is no password: you enter your email and type the one-time code you receive. Apple and Google sign-in are offered where they are enabled.
- Open Settings → Automatic backup.
- Enter your email and type the one-time code SpendWe sends you, or use Apple or Google sign-in where offered.
- Keep using the app as before. Your data is backed up and comes back on a reinstall or a new phone when you sign in with the same email.
- Watch the sync label. It says where your data is: Saved on this device, Waiting to sync (local changes not sent yet; tap to sync), Backed up with how long ago, or Synced with how long ago.
How sync handles conflicts
SpendWe is built offline first. Each phone works on its own copy and syncs when it can. If two edits meet, the newer one wins, and the server checks this, so a phone that comes back online after days cannot overwrite a newer edit made elsewhere. If the server refuses one row, the rest of the sync still goes through and the app tells you how many rows could not be synced.
A shared household always syncs between its members, free, on every plan. Keeping several of your own devices continuously in sync is part of SpendWe Pro, which is planned and not on sale yet; see pricing.
Without an account, keep a copy
Without an account, your data lives only on the device. On iPhone it is also in your own iCloud or computer backup if you use one, except receipt photos and price memory. So before you remove the app or change phones, export a backup from Settings → Data. A complete JSON backup can be imported again on the new phone, and a CSV spreadsheet opens in any spreadsheet app. Export and import are free on every plan; see export and import.
SpendWe also never asks for your bank login: statements come in only as files you choose. Read more on budgeting with no bank connection.
