Budgetly SMART Finance Tracker

Stop paying monthly to track your own money.

Budgetly gives you complete control of your finances — no subscriptions, no ads, no data leaving your device. One payment. Everything included. Yours forever.

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💸 NO SUBSCRIPTION. EVER.
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Most budget apps charge you every month. Budgetly doesn't. Pay once, own the full app — every feature, every update, forever.

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🏦 ALL YOUR ACCOUNTS. ONE DASHBOARD.
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Cash, bank, e-wallet — see your real net worth the moment you log a transaction. Transfer between accounts in one tap.

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📊 BUDGET LIKE A PRO
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Set budgets per category — weekly, monthly, or yearly. Real-time progress bars. Alerts before you overspend.

Balance adjustments are tracked separately and never distort your income or expense totals. Manage your entire budget as an Excel workbook: download, edit offline, upload back.

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💰 KNOW YOUR REAL SAVINGS
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Your balance is NOT your savings. Budgetly tracks only what you explicitly set aside per goal — Emergency Fund, Vacation, New Phone — so you always know what's truly saved vs. available to spend.

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👨‍👩‍👧 FAMILY BUDGET SYNC
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Share a household budget with your partner or family. Real-time sync via Google Drive — no third-party server, no shared login. Private and secure.

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🔄 RECURRING BILLS & REMINDERS
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Set up rent, salary, and subscriptions on any schedule. Get notified before they're due. Auto-generated entries keep your records complete.

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🤝 IOU TRACKER
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Track who owes you and what you owe — partial payments, due dates, running balances. Pinahiram Ko / Hiniram Ko.

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📈 REPORTS & INSIGHTS
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Pie charts, trend graphs, 50/30/20 analysis, and personalized tips. Weekly, monthly, and yearly breakdowns. Know if you're improving or slipping.

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🔒 PRIVATE BY DESIGN
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All data stored locally on your device. Cloud backups go only to YOUR Google Drive. No ads. No tracking. No data selling. Lock with fingerprint, Face ID, or PIN.

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📖 BIBLICAL FINANCIAL WISDOM
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30+ Scripture-based principles on earning, saving, spending, and giving. Daily wisdom cards and a Tithes & Offerings tracker.

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✅ ALSO INCLUDED
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• 23+ currencies with auto locale detection
• 13+ expense & 6+ income categories + custom
• Home screen widget — balance at a glance, quick-add button
• Google Drive backup — daily, weekly, or monthly
• Excel (.xlsx) + CSV export
• Dark mode & light mode
• Sort & filter on every list

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Whether you're a student, professional, or family working toward financial freedom — this is the last budget app you'll ever need to buy.

Pay once. Own everything. Budget forever.

Recent changes:
• stage only en-US Play Store whatsnew notes
• scope Play Store whatsnew upload away from the iOS notes file
• ci: single-source release version across Play and TestFlight
• locale-aware formatting, SAR support, single version source
• pin machine-readable date formats to en_US
• refresh bundled exchange rates
• refactor: remove dead in-app purchase flow
• target API 36 ahead of th