BillBuddy - Bills & Budget

BillBuddy: Bills, Budget & Tax Management

Stay in complete control of your financial commitments, eliminate late fees, streamline budgets, and organize shared expenses with precision.

BillBuddy is a comprehensive personal finance and bill tracking solution engineered for individuals, households, freelancers, and small businesses. Replace scattered spreadsheets and missed alerts with an intuitive platform that clarifies what you owe, projects cash outflows, and optimizes spending.

━━━━━━━━━━━━━━━━━━━━
🧾 BILL MANAGEMENT & REMINDERS
━━━━━━━━━━━━━━━━━━━━
Consolidate every commitment into one structured dashboard. Track utilities, credit cards, loans, rent, insurance, taxes, and subscriptions.

• Detailed Logging: Record titles, due dates, amounts, categories, and notes.
• Status Organization: Filter pending, upcoming, paid, and overdue bills.
• Recurring Automation: Configure flexible schedules (weekly, monthly, yearly).
• Audit Trail: Document payment channels, reference numbers, and timestamps.
• Smart Reminders: Timely notifications ensure payment deadlines are never missed.

━━━━━━━━━━━━━━━━━━━━
🧮 GST, VAT & TAX ENGINE
━━━━━━━━━━━━━━━━━━━━
Streamline invoice accounting with native tax computation and record-keeping tools.

• Itemized Tax Tracking: Record GST, CGST, SGST, IGST, VAT, and Sales Tax.
• Inclusive & Exclusive Modes: Compute base amounts and tax rates with single-tap precision.
• Vendor Tax ID Records: Store merchant GSTINs, Tax IDs, and invoice numbers.
• Built-in GST Calculator: Standard tax slabs (5%, 12%, 18%, 28%) and custom rates.

━━━━━━━━━━━━━━━━━━━━
📸 SMART RECEIPT SCANNER (OCR)
━━━━━━━━━━━━━━━━━━━━
Eliminate manual entry through on-device Machine Learning text recognition.

• Fast Recognition: Extract merchant names, dates, and amounts directly from receipts.
• Auto Tax Extraction: Identify detected tax percentages, totals, and business IDs.
• On-Device Privacy: OCR processing occurs locally to safeguard personal data.

━━━━━━━━━━━━━━━━━━━━
📅 FINANCIAL CALENDAR
━━━━━━━━━━━━━━━━━━━━
Visualize cash outflow obligations across calendar timelines to preserve liquidity.

• Schedule at a Glance: Calendar indicators highlight daily bill densities and due dates.
• Overdue Tracking: Prominently flag missed payments requiring prompt attention.
• Direct Scheduling: Schedule and inspect payments directly from calendar dates.

━━━━━━━━━━━━━━━━━━━━
💰 BUDGETING & VISUAL ANALYTICS
━━━━━━━━━━━━━━━━━━━━
Transform raw expenditure figures into actionable financial intelligence.

• Budget Tracking: Set budget limits, monitor spending velocity, and preserve savings.
• Visual Analytics: Interactive charts display expense distributions across categories.
• Historical Trends: Compare expenditure variances over time to optimize spending.

━━━━━━━━━━━━━━━━━━━━
🤝 EXPENSE SPLITTING & PEER LEDGER
━━━━━━━━━━━━━━━━━━━━
Manage shared financial commitments transparently without cumbersome messaging threads.

• Group Bill Splitting: Divide shared household costs, travel bills, and group expenses.
• Borrow & Lend Ledger: Track lent and borrowed money with target payback dates.
• Settlement Logging: Record repayments to keep running balances completely accurate.

━━━━━━━━━━━━━━━━━━━━
📄 TAX REPORTS & SECURE EXPORT
━━━━━━━━━━━━━━━━━━━━
Maintain audit-ready records suitable for personal accountants and tax filing.

• Structured CSV Export: Export itemized financial data for spreadsheet analysis.
• Tax Summary Reports: Generate PDF and CSV statements organized for tax preparation.
• Data Portability: Back up and restore datasets safely.

━━━━━━━━━━━━━━━━━━━━
🔐 SECURITY & GLOBAL SUPPORT
━━━━━━━━━━━━━━━━━━━━
• Biometric Lock: Secure financial records using fingerprint or facial recognition.
• Multi-Currency Engine: Native support for INR, USD, EUR, GBP, CAD, AUD, and more.
• Internationalization: Multi-language interface with dark and light themes.
• Complete Privacy: Your financial records remain encrypted and under your control.

Recent changes:
✨ What's New in v1.0.1:
• 🧾 Itemized Tax Breakdown: Track GST, VAT, and Sales Tax across all your bills.
• 🧮 Tax & GST Calculator: Quickly compute inclusive and exclusive tax amounts.
• 📸 Smarter Receipt Scanner: Enhanced OCR automatically extracts tax rates & totals.
• 📊 Tax Summary Export: Download clean PDF & CSV reports for accounting and tax time.
• ⚡ Performance improvements & bug fixes.