Expense tracker
Track every expense without typing everything by hand
Spendika is an expense tracker for people who want a clear, practical record of daily spending without turning money management into another job. Use it on the web, on iPhone and on Android with one account.
Spendika preview
£432.60
Tracked this month
Capture
Add an expense manually, scan a receipt or import a bank statement.
Review
Check the category, merchant, amount and date.
Plan
Compare confirmed spending with your budgets and savings goals.
What it covers
Practical money tracking, not empty promises
Everything on this page is available in Spendika today, on the web and in the iPhone and Android apps.
Privacy and security
Your account is protected by sign-in and optional two-factor authentication, the site and apps use HTTPS, receipt images are private to your account, and you can export or delete your data at any time.
Read the security pageFree and Premium
The free plan covers everyday tracking and planning. Premium adds unlimited receipt scans, AI categorisation and the money assistant, smart insights and alerts, unlimited budgets and goals, and advanced reports.
Compare plansQuestions people ask
Is Spendika free to start?
Yes. You can create a free account and use the core tracking features before deciding whether Premium is useful for you.
Can I add expenses without a receipt?
Yes. Manual entry takes a few seconds. Receipts are useful when you want a stored image and faster capture.
Does Spendika support categories?
Yes. Expenses are organised by category, and you can manage your own categories in Settings.
Can I export my data?
Yes. You can export your expenses as CSV and PDF reports.
Is this personalised financial advice?
No. Spendika provides tools and general information, not regulated financial advice.
Guides
Guides on this topic
How to Track Your Monthly Expenses
Build a clear monthly spending record by capturing expenses as they happen, reviewing categories weekly and comparing the result with your budget.
Monthly Expense Categories: A Practical List
Use practical categories such as housing, food, transport, debt, subscriptions, savings and irregular costs to make expense tracking easier.
The Best Way to Track Cash Expenses
Record cash spending immediately, use a weekly cash category and reconcile notes before they are forgotten.
Budgeting Apps in the UK: Are They Safe and Which Suits You?
How open banking and FCA rules protect you, the four types of budgeting app compared, free versus paid plans and the mistakes to avoid.
Your plan is ready.
Create a free Spendika account to save it, record actual spending and see whether you are staying on track.