Coinkle: Expense Tracker

Expense tracker that answers one question every day: how much is safe to spend today? Coinkle works out a daily allowance until your next payday, after the bills you still have to pay and your savings goal. The number is on the first screen, so you know when to relax and when to hold back.

Budget planner in 3 taps: enter the amount, pick a category, save. Your most used categories come first, and favourites like your morning coffee or your bus fare are one tap away.

Spending tracker you can talk to like a chat. Type "coffee 4.50 lunch 12 uber 14 with visa" and Coinkle splits it into three entries, each with its category and account.

Money manager with voice input: tap the mic and say "lunch 12 dollars". Speech is recognized on your phone and never sent to a server.

Budget app categories that fit your life: create your own with a name, icon and colour, reorder, merge or hide them. When a guess is wrong, fix it once and Coinkle remembers the word for next time.

Daily budget that follows your payday: monthly, twice a month, every two weeks or weekly. On an irregular income, use a monthly budget instead. The "This week" strip shows which days stayed under your allowance, and a projection estimates what will be left on payday.

Bill reminder and subscription tracker, so nothing slips: rent, electricity, internet, phone and streaming. You get a checklist for every pay period, reminders before each due date, estimated bills you can correct to the real amount when you pay, and your subscription total per month and per year.

Money manager for every account: cash, bank, e-wallet, credit card and paylater. Moving money between accounts is not counted as spending, and card or paylater debt is counted, so your daily number stays honest.

Spending tracker by category in History: income and expenses per month, your biggest categories, search, and filters by account or category. Tap any entry to edit it, or record it again in one tap.

Expense tracker that works offline and stays private: no account, no server. All your financial data stays on this phone. Make encrypted backups to a file you keep, restore them on a new phone, export CSV for Excel or Google Sheets, lock the app with your fingerprint or PIN, and hide amounts when someone is looking.

Daily budget at a glance with the home screen widget, a Quick Settings tile and app shortcuts that open the form, quick type or voice directly. Available in English and Indonesian, with 13 currencies.

FEATURES
● A safe-to-spend amount for every day until payday, after bills and savings
● Log in 3 taps, one sentence or by voice
● Your own categories, and keywords learned from your corrections
● Bills and subscriptions with reminders and a checklist
● Cash, bank, e-wallet, credit card and paylater accounts, with transfers
● History by category, search and personal stats
● Encrypted backups, CSV export, app lock, hidden amounts
● Widgets, a Quick Settings tile and shortcuts
● Data stays on your phone, no account and no server
● Coinkle shows ads on some screens, never on the logging screens, and your financial data is never shared with advertisers. Want a break from ads? ● Watch one video ad from Settings and every ad is hidden for 24 hours.