Expense tracker
Alongside everything shared, Expenddy keeps a private record of your own money — what you spent, what came in, and where it went. Nobody else sees any of it.
What it records
| Type | What it means | Examples |
|---|---|---|
| Money out | An expense — money that left you | Groceries, a train ticket, a subscription, rent you paid alone |
| Money in | Income — money that came to you | Salary, freelance payment, a refund, a gift |
Tracking both sides is what makes the monthly view meaningful. An expense total on its own says what you spent; alongside income it says whether the month worked.
Categories
Personal records use their own category list, separate from group expense categories. It covers the usual things — food, groceries, transport, shopping, bills, health, fun, travel — and you can add your own.
That matters more than it sounds: a category list you cannot extend forces everything unusual into “Other”, and a breakdown where the largest slice is “Other” tells you nothing. Income records work the same way, categorised by where the money came from.
Seeing where it went
Records are grouped by month, with totals for money in, money out and the difference. Charts break spending down by category and show weekly or monthly totals.
Worked example: one month reviewed
A month of personal records, categorised as they were entered.
| Category | Total | Share of spending |
|---|---|---|
| Rent | £780 | 48% |
| Groceries | £265 | 16% |
| Transport | £190 | 12% |
| Bills | £140 | 9% |
| Fun | £135 | 8% |
| Other | £110 | 7% |
| Total out | £1,620 | 100% |
| Total in | £2,100 | — |
| Net | +£480 | — |
Result: The useful information is not the total — it is that groceries and transport together came to £455, which is the part that can actually change next month. Rent cannot.
This is the point of categorising as you go rather than at the end: a month of uncategorised amounts can be totalled, but it cannot be acted on.
Personal and shared, side by side
Most people's money is a mix. Rent might be split with two flatmates, groceries sometimes shared and sometimes not, and a phone bill entirely your own. Expenddy keeps these separate on purpose:
- Shared costs go in a group, where they are split and produce balances between people.
- Money lent to one person goes in an IOU ledger.
- Everything else goes in personal records, visible only to you.
Keeping them apart is what lets the personal view answer “what did I actually spend?” without shared expenses that other people will reimburse distorting the total.
Practical details
Attachments
Receipts and other files can be attached to a personal record — useful for anything you may need to claim back or check later.
Export
Personal records export to CSV, so you can total them in a spreadsheet, archive them, or take them elsewhere.
Currency
Records carry a currency, and Expenddy does not convert between currencies — amounts stay in the currency they were entered in.
Privacy
Personal records are yours alone, and they are deleted outright if you delete your account— unlike shared group expenses, which stay in the group ledger because other people's balances depend on them.
Expense tracking questions
Can Expenddy track personal expenses?
Expenddy includes personal expense tracking separate from any group. You can log your own spending and your own income with a category, a note and a date, see monthly totals, and view a breakdown by category. Personal records are private to you and are never shown to the people you share groups with.
Can I get my data out of Expenddy?
Expenddy exports to CSV. A group's full ledger can be exported from the group's settings, a friend ledger from that ledger's screen, and your personal records from the personal section. The file opens in any spreadsheet program.
Does Expenddy support multiple currencies?
Expenddy supports 8 currencies: USD, GBP, EUR, INR, CAD, AUD, AED, PKR. Each expense is recorded in a currency and balances are netted separately per currency. It does not convert between currencies or apply exchange rates, so a debt in one currency is never cancelled by a payment in another.
What happens to shared expenses if I delete my account?
Expenses you added to a group are part of that group's shared ledger, so deleting your account does not erase them — removing them would silently change what other members owe each other. Where possible your entries are disassociated from your account and your name is removed. Your private records, such as personal expenses and your own friend ledgers, are deleted outright.
Start tracking
Record a shared expense, see the balance update, and settle it when the money moves.
Free to use. Available for Android and in any web browser. An iOS app is in development and is not released yet.