Spendwise

Spendwise is a free personal finance app built with Expo and React Native. It is local-first and offline-friendly: core financial data lives on-device, with optional AI features that use your own provider key.

What the app includes

• Onboarding and profile setup (name + avatar)
• Preferences: theme (system/light/dark) and language
• Accounts: create/edit/delete, opening balance, monthly budget, balance overview, color customization
• Categories: create/edit/delete, emoji icons, color customization, ordering/reorder UI, monthly budgets
• Transactions: income/expense/transfer, advanced search + filters (type, account, category, date range), detail screen, per-account assignment
• Recurring rules (scheduled transactions): create/edit/remove rules, next-due tracking, upcoming bill checks
• Stats: totals, trends (weekly/monthly breakdown), category breakdowns, top income/expenses
• Insights: monthly trend + spending by category analytics
• Import/Export:
  • CSV import (column mapping + enhanced preview) and CSV export
  • Full JSON backup export and restore
• Currencies and formatting:
  • Display currency selection with historical rate recalculation
  • Number/date/currency format preferences
• Notifications:
  • Budget alerts (approaching/exceeded)
  • Upcoming bill reminders
  • Low balance alerts
  • Weekly spending digest
• Security: optional app lock using device authentication (biometrics/PIN)
• Optional AI:
  • AI chat (OpenAI/Anthropic) using your own provider key stored on-device
  • Receipt scanning with your own provider key

Stack

• Expo SDK 54 with React Native 0.81
• Expo Router 6 for file-based navigation
• SQLite for primary app data
• Zustand + MMKV for persisted preferences and lightweight app state
• React Query for async queries/mutations over local data and network tasks
• TanStack Form + Zod for forms and validation
• Uniwind for styling
• Jest + React Native Testing Library + Maestro

Quick Start

Requirements

• Node.js 20+
• pnpm
• Expo / EAS tooling as needed for device builds

Install

pnpm install

Configure environment

Copy .env.example to .env and adjust values for your machine.

cp .env.example .env

On Windows PowerShell, use:

Copy-Item .env.example .env

At minimum, the current env schema expects:

• EXPO_PUBLIC_APP_ENV
• EXPO_PUBLIC_API_URL
• EXPO_PUBLIC_VAR_NUMBER
• EXPO_PUBLIC_VAR_BOOL
• APP_BUILD_ONLY_VAR (optional)

If EXPO_PUBLIC_ASSOCIATED_DOMAIN is not used, omit it entirely instead of leaving it blank.

EXPO_PUBLIC_NAME, EXPO_PUBLIC_SCHEME, EXPO_PUBLIC_BUNDLE_ID, EXPO_PUBLIC_PACKAGE, and EXPO_PUBLIC_VERSION are derived in env.ts.

Run locally

pnpm start
pnpm ios
pnpm android
pnpm web

Common Commands

pnpm lint
pnpm lint:ts
pnpm lint:all
pnpm test
pnpm test:watch
pnpm test:ci
pnpm verify
pnpm install-maestro
pnpm e2e-test
pnpm doctor
pnpm knip:check

pnpm e2e-test currently targets the development app id and assumes Maestro is installed. pnpm install-maestro uses a shell installer and may need a Bash-compatible environment.

Environment Modes

• development: local dev and internal development builds
• preview: pre-release QA / preview builds
• production: store-ready production builds

Helpers:

pnpm start:preview
pnpm start:production
pnpm ios:preview
pnpm ios:production
pnpm android:preview
pnpm android:production

Architecture At A Glance

• src/app: Expo Router entry points and route files
• src/features: feature-first modules such as home, accounts, categories, transactions, scheduled transactions, stats, insights, import/export, settings, notifications, security, and AI
• src/components: shared app components and UI primitives
• src/lib: infrastructure for SQLite, storage, theming, i18n, utilities, and app-wide providers
• src/translations: translation resources

App startup happens in src/app/_layout.tsx, where the app initializes SQLite, runs migrations, sets up notifications, checks budget/upcoming-bill alerts, and mounts global providers.

Privacy Notes

• Financial records are stored locally in SQLite on the device.
• Preferences and lightweight persisted state are stored in MMKV.
• Spendwise is free to use; configured AI providers may charge for usage under your own account.
• AI provider keys are configured in-app and stored locally on your device.
• AI features are optional. When used, requests are sent directly from your device to the selected provider.

Documentation

• .docs/setup.md
• .docs/architecture.md
• .docs/features.md
• .docs/testing.md
• .docs/release.md
• AGENTS.md

Inspiration

This Project is based on Obytes starter

• PocketGuard
• Wallet / BudgetBakers

Resources

• Avatars: https://www.figma.com/design/LcTCGVae3fI72lJASdNtHn/Playful-Avatar-Creator---DrawKit--Community-?node-id=3-3&p=f&t=FrbHnCBsjZzFhIHh-0
• Flag icons: https://github.com/lipis/flag-icons

Known issues

• facebook/react-native#51490

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Roadmap

Roadmap