Your spending tells your whole story.
It should stay on your phone.

An expense tracker that keeps everything on your device. No servers, no sign-ups, no one looking over your shoulder. Just you and your money.

Other apps want your whole financial life.

Every expense tracker asks for the same thing: access to your email. They read your entire inbox, thousands of messages, just to find a few bank statements. They upload your spending to their servers and build a profile of your life: what you eat, where you go, what you buy at 2 AM.

And they still miss half your UPI transactions.

I thought there had to be a better way. There is.

No data leaves your device. Ever.

There's no server to hack, no database to leak, no "anonymous analytics" that aren't really anonymous. Bank messages are parsed on-device. Your spending data lives on your iPhone and nowhere else. I couldn't see it even if I wanted to.

One number that actually matters.

Forget your bank balance. It lies. Your rent is due, your EMI is coming, your Netflix subscription renews Thursday. "Safe to Spend" shows you what's actually left. The number you check before ordering on Swiggy, not after.

See where it all goes.

Daily breakdowns. Category trends. Month-over-month patterns, all computed on your device in real time. You don't wait for anything to sync. You spend, you see it.

How it works without a server

Everything runs on your iPhone. Your data is stored locally, in the same place your photos and messages live. You don't need an account, and you don't need the internet. The app works perfectly on airplane mode because there's nothing to connect to.

Want automation? Forward a bank SMS to Fence, or let Shortcuts do it for you. Either way, your phone does the parsing. The message never leaves your device.

Think of it this way: your iPhone is already the most powerful computer you own. Why would you send your most personal data to someone else's?

phone + lock

One person building this. That's the point.

I'm an indie developer in India who got tired of handing my financial data to apps that profit from it. Fence has no investors, no board, and no business model that depends on your data. It's just me, building something I'd actually want to use.

Learn more about me →

Your money is already private. Your expense tracker should be too.

Launching soon. Drop your email to get early access. And yes, the irony of asking for your email on a privacy app isn't lost on me. It's the only thing I'll ever ask for.