FinLedge: Expense & Loan Track

💰 FinLedge gives you a clear picture of where your money goes and who owes what — without spreadsheets, cloud accounts, or complicated setups. Record every rupee, dollar, or euro, set a budget, track your loans, and read the results in clear charts and reports. Everything stays on your device, no sign-up needed.
💳 Income, Expense & Loan in One Place
• Record income, expenses, and loans from a single add screen
• Each entry includes amount, category, date, optional note, and person name
• Entries grouped by date, editable and deletable at any time

🤝 Loan & Borrow Manager
• Keep money you have lent and money you have borrowed clearly separate
• Running totals for Loan (given) and Borrow (taken) for the current month and overall
• Always know who owes what without keeping a paper diary

📊 Monthly Budget Planner
• Create named budgets with a spending limit for any specific month and year
• Link expenses to a budget and see amount spent and amount remaining with a progress bar
• Spot overspending before it becomes a problem

📈 Visual Statistics — Bar & Pie Charts
• Switch between Expenses, Income, and Loan tabs on the Statistics screen
• Toggle between a bar chart for trends over time and a pie chart by category
• See at a glance which categories take the biggest share of your money

📅 Annual Finance Report
• Pick any year and see total income, total expenses, and resulting balance
• Month-by-month breakdown in one scrollable list
• Quickly spot months where spending got out of hand

🌍 Multi-Currency with Live Exchange Rates
• Supports 9 currencies: USD, EUR, GBP, INR, AUD, CNY, VND, THB, IDR
• Switch currency and the app fetches the latest exchange rate and converts existing records
• Correct currency symbols displayed throughout — ideal for travelers and expats

✈️ Works Fully Offline — Your Data Stays on Your Device
• All transactions and budgets saved in a local database on your phone
• No account, no sign-up, no cloud upload — open the app and start recording
• Your loan amounts, notes, and financial data never leave your device

FinLedge is for individuals tracking personal finances, travelers managing multiple currencies, families splitting household budgets, and anyone who needs a simple private way to track who owes what. Download FinLedge and always know exactly where your money stands.

Permissions
Notifications — used to send budget limit alerts and important app reminders so you never miss an overspend before it happens.

📋 Disclaimer
FinLedge is a personal finance recording tool designed to help you organize and track your own financial entries. Please note the following:

• Personal records only — the App records only what you manually enter. It does not connect to your bank, read SMS messages, access payment apps, or import transactions automatically. All data reflects what you type in, not your actual bank balance.

• Not financial advice — nothing in this App constitutes professional financial, accounting, tax, or investment advice. FinLedge is a tracking and budgeting tool only. For important financial decisions, please consult a qualified professional.

• Exchange rate accuracy — live currency exchange rates are fetched from a third-party source and are provided for reference only. Rates may differ from those offered by banks or financial institutions. The developer is not responsible for any financial decisions made based on converted amounts shown in the App.

• Your data, your responsibility — all records are stored locally on your device. If you uninstall the App or clear app data, your records will be permanently deleted. We recommend keeping your own backup of important financial records.