# Spendora

> Spendora is a personal finance app for tracking expenses, budgets, debts and savings goals across accounts and currencies. Web, Android and iPhone, six languages, no bank connection, one-time payment.

Key facts:
- What it is: a personal finance and budgeting app for tracking expenses and income, budgets, debts and savings goals. It is record-keeping software, not a bank, lender or financial adviser.
- Price: a one-time payment of $9 for lifetime access, including future updates. No subscription and no monthly fee. The price is shown in the visitor's local currency where available. 14-day refund window.
- Platforms: web app at https://spendora.pro, Android (https://play.google.com/store/apps/details?id=com.layerslink.spendora) and iPhone (https://apps.apple.com/app/spendora-budget-expenses/id6816113512). Data stays in sync between them.
- Languages: English, French, Arabic (full right-to-left layout), Spanish, Brazilian Portuguese and German.
- No bank connection: users record transactions themselves (with recurring entries for salary, rent and bills), so it works in any country and with cash.
- Multi-currency: accounts in different currencies with one base currency for totals and reports.
- Sharing: the account holder can invite a partner or family member into the same workspace with chosen permissions.
- Features: Expense and income tracking; Budgets by category with alerts; Monthly plan: planned against actual; Savings goals; Debt tracking with repayments; Accounts in multiple currencies; Recurring transactions; Transfers between accounts; Reports and CSV export; Shared workspace for couples and families; Web, Android and iPhone apps; English, French, Arabic, Spanish, Portuguese and German.
- Good fit for: people who want a simple expense tracker or budget app without a subscription or bank access; couples and families sharing a budget; expats, freelancers and anyone managing money in more than one currency; Arabic, French and Spanish speakers who want a finance app in their language.
- Support: support@spendora.pro (https://spendora.pro/contact).

## Main pages

- [Spendora: Budget & Expense Tracker App - No Subscription](https://spendora.pro): Track expenses, budgets, debts and savings goals in one place. Web, Android and iPhone, in six languages. No bank connection. Pay once, keep it for life.
- [Features: Budgets, Expense Tracking, Goals & Debts - Spendora](https://spendora.pro/features): Everything Spendora does: expense tracking, category budgets with alerts, savings goals, debts, multi-currency accounts, recurring entries, reports and CSV export.
- [Pricing: One-Time Payment, Lifetime Access - Spendora](https://spendora.pro/pricing): Spendora costs one payment for lifetime access: no monthly subscription, all features and future updates included, with a 14-day refund window.
- [How Spendora Works: Start Budgeting in Minutes](https://spendora.pro/how-it-works): Create an account, choose your currency and language, and start recording income and expenses. Budgets, goals and reports are ready when you need them.
- [Spendora FAQ: Pricing, Payments, Languages & Refunds](https://spendora.pro/faq): Straight answers about Spendora: the one-time price, payment methods, languages, the mobile apps, refunds and how your data is handled.
- [About Spendora: Personal Finance Without a Subscription](https://spendora.pro/about): Why we built Spendora: a dependable record of your money, without a bank connection or a monthly fee, designed for six languages including Arabic.

## Help guides (how to use Spendora)

- [Set up your account](https://spendora.pro/help/getting-started): Choose your language and currency, add your first account, and you are ready to record.
- [Read your dashboard](https://spendora.pro/help/dashboard): What each number on the home page means, and where it comes from.
- [Record income and expenses](https://spendora.pro/help/transactions): Add an entry in a few seconds, then find it again with search and filters.
- [Accounts and transfers](https://spendora.pro/help/accounts): Keep cash, bank and savings side by side, and move money between them.
- [Organise with categories](https://spendora.pro/help/categories): Categories are what reports and budgets are built on.
- [Budgets and alerts](https://spendora.pro/help/budgets): Set a monthly limit per category and get told before you pass it.
- [Plan your month](https://spendora.pro/help/monthly-plan): Write down the income you expect, then compare the plan with what really happened.
- [Savings goals](https://spendora.pro/help/goals): Save towards something and record each contribution.
- [Debts and repayments](https://spendora.pro/help/debts): Follow what you owe and what people owe you, and record each payment.
- [Recurring payments](https://spendora.pro/help/recurring): Rent, subscriptions and salary recorded for you on schedule.
- [Reports and exports](https://spendora.pro/help/reports): See the year, compare months and take your data with you.
- [Share with family or a partner](https://spendora.pro/help/sharing): Invite someone into your workspace and choose exactly what they can do.
- [Settings, notifications and security](https://spendora.pro/help/settings): Your language, currency, dates, alerts and password.
- [The Spendora app](https://spendora.pro/help/mobile-app): The same account on your phone, in the same six languages.
- [Access and invoices](https://spendora.pro/help/billing): One payment, your invoices, and what happens if access ends.

## Money guides (budgeting, saving, debt)

- [How to make a monthly budget that actually works](https://spendora.pro/blog/how-to-make-a-monthly-budget): A simple, step-by-step way to build a monthly budget from your real income and spending - and keep it working after the first month.
- [The 50/30/20 rule: a simple way to split your income](https://spendora.pro/blog/50-30-20-rule): What the 50/30/20 rule is, how to apply it to your take-home pay, and how to adjust it when rent or debt makes the numbers impossible.
- [How to track your expenses (and actually keep doing it)](https://spendora.pro/blog/how-to-track-expenses): Why tracking expenses matters, the simplest way to record every payment, and the habits that stop you giving up after two weeks.
- [Zero-based budgeting: give every unit of income a job](https://spendora.pro/blog/zero-based-budgeting): How zero-based budgeting works, a worked example, and how to use it without spending hours every month.
- [How to build an emergency fund from scratch](https://spendora.pro/blog/emergency-fund): How much to keep in an emergency fund, where to hold it, and a step-by-step way to build one even on a tight income.
- [Debt snowball vs avalanche: which payoff method is right for you?](https://spendora.pro/blog/debt-snowball-vs-avalanche): The two most popular ways to pay off several debts, compared with an example, so you can choose the one you will stick with.
- [12 practical ways to save money every month](https://spendora.pro/blog/how-to-save-money-each-month): Realistic ways to save money each month without giving up everything you enjoy - starting with the changes that make the biggest difference.
- [Budgeting as a couple: how to manage money together](https://spendora.pro/blog/budgeting-as-a-couple): How couples and families can share a budget, split costs fairly and talk about money without fighting - with three ways to organise shared finances.
- [How to manage your money in more than one currency](https://spendora.pro/blog/managing-money-in-multiple-currencies): For expats, freelancers and families who send money home: how to track accounts in several currencies without losing sight of your total.
- [Budgeting app or spreadsheet? How to choose](https://spendora.pro/blog/budget-app-vs-spreadsheet): An honest comparison of budgeting apps and spreadsheets, what to look for in an expense tracker, and why the subscription model matters.

## Other languages

- English (en): https://spendora.pro
- Français (fr): https://spendora.pro/fr
- العربية (ar): https://spendora.pro/ar
- Español (es): https://spendora.pro/es
- Português (Brasil) (pt-BR): https://spendora.pro/pt-br
- Deutsch (de): https://spendora.pro/de

## Optional

- [Full text for AI assistants](https://spendora.pro/llms-full.txt): every help guide, money guide and FAQ answer in one file.
- [Sitemap](https://spendora.pro/sitemap.xml)
- [Privacy policy](https://spendora.pro/privacy)
- [Terms](https://spendora.pro/terms)
- [Refund policy](https://spendora.pro/refund)